Jakarta, INTI - PT Credit Bureau Indonesia (CBI), Indonesia’s largest Credit Information Management Institution (LPIP), has announced the expansion of its data partnership with XLSMART, one of Indonesia’s leading telecommunications operators that continues to strengthen its network leadership through expanded 4G/5G coverage and the development of 5G Blanket connectivity across strategic areas.
The partnership builds upon the collaboration established in 2022, with the aim of supporting more inclusive, resilient, and sustainable digital and financial services throughout Indonesia.
Strengthening Financial Inclusion Through Data Collaboration
As part of the expanded collaboration, XLSMART will contribute insights derived from its nationwide telecommunications network and extensive customer reach to further enhance CBI’s Bureau Telco Score, a credit scoring solution that combines telecommunications usage behavior (telco behavior) with credit attributes to support more accurate financing decisions for financial institutions.
Supported by XLSMART’s nationwide network capabilities, network leadership, and continuous investment in expanding reliable 4G/5G connectivity, including the development of 5G Blanket services in major cities, the collaboration will improve the quality, accuracy, and depth of credit information and risk assessment.
The initiative is expected to provide greater access to financing, particularly for first-time borrowers, Micro, Small, and Medium Enterprises (MSMEs), and individuals with limited credit histories. By providing financial institutions with a more comprehensive understanding of customer risk profiles, the collaboration aims to bridge data gaps and responsibly expand financial access for underserved and unbanked communities, including rural populations and individuals working in informal economic sectors.
This collaboration brings together two key strengths within Indonesia’s digital ecosystem. Through its nationwide connectivity, broad customer base, and multi-brand portfolio, XLSMART continues to focus on innovation and inclusion by investing in the quality and reliability of its 4G/5G network infrastructure.
This commitment aligns with XLSMART’s network leadership strategy to deliver improved digital experiences for customers, including the expansion of 5G Blanket connectivity designed to provide more consistent access to next-generation networks.
Meanwhile, CBI, as Indonesia’s largest credit bureau, is supported by modern, high-performance infrastructure capable of delivering sub-second response times, high service availability, and reliable credit data solutions for financial institutions.
Developed with strategic partners such as XLSMART and fully operated by CBI, Bureau Telco Score enables financial institutions to expand responsible lending through several key benefits:
Increasing credit approval rates by reaching new potential borrowers and individuals with limited credit data who cannot be fully assessed through conventional credit information. Reducing early default risks by combining telecommunications behavior data with credit attributes to improve early risk detection. Supporting sustainable financing growth while maintaining profitability, risk tolerance, and portfolio quality.
Advancing Digital Finance Through Responsible Data Innovation
The expanded partnership reflects XLSMART’s commitment to collaborating with organizations that share a common vision in advancing Indonesia’s digital and financial inclusion agenda.
As a digital connectivity provider, XLSMART believes that the value of connectivity extends beyond communication access.
“Through responsible data collaboration, supported by nationwide network coverage, network leadership, and continuous investment in 4G/5G network quality and reliability, including the development of 5G Blanket connectivity in strategic areas, we aim to contribute to more inclusive digital services that address the growing needs of Indonesia’s digital economy,” said Andrijanto Muljono, Director & Chief Enterprise Strategic Relationship Officer of XLSMART.
Anton Adiwibowo, President Director of CBI, added that by combining XLSMART’s business scale, connectivity capabilities, and nationwide reach with CBI’s modern LPIP infrastructure, the collaboration enables financial institutions to make credit decisions that are faster, more accurate, and more inclusive, particularly for communities in rural areas and informal economic sectors.
The ongoing partnership since 2022 reflects a shared commitment that responsible data collaboration is a critical foundation for expanding financial access.
“This initiative is also aligned with CBI’s mission to build the next generation of LPIP services in Indonesia, services that are faster, more reliable, and more responsive to the needs of the digital economy,” Anton said.
The expanded data partnership comes amid increasing demand from financial institutions for fast, reliable, and up-to-date credit information to support real-time lending decisions.
As Indonesia’s largest credit bureau by transaction volume, CBI modernized its core infrastructure in 2025 through the implementation of a private deployment model and dual-active server architecture. The upgrade aims to minimize service disruptions, strengthen system resilience, and deliver API response times of less than one second.
Conclusion
The continued partnership between CBI and XLSMART highlights the growing role of responsible data collaboration in expanding financial inclusion in Indonesia. By combining telecommunications insights, advanced credit scoring technology, and reliable digital infrastructure, the collaboration aims to enable more accurate lending decisions and provide greater access to financial services for underserved communities. This initiative represents an important step toward building a more inclusive and sustainable digital financial ecosystem.
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