JAKARTA - Banks belonging to conglomerate Hary Tanoesoedibjo, PT Bank MNC Internasional Tbk (BABP) or MNC Bank in collaboration with fintech lending service PT Kredit Pintar Indonesia launched the latest digital lending feature or cash loans to customers in the MotionBanking application belonging to MNC Bank.
CTO of MNC Group Yudi Hamka said this feature uses AI-based credit scoring which allows new MotionBanking users to get cash loans up to Rp. 20 million faster from Smart Credit, directly from the MotionBanking application.
"This integration is an important step for MotionBanking. By integrating Smart Credit services into the MotionBanking application, users can enjoy complete banking services, from savings to loans," said Yudi in Jakarta, quoted from Antara, Friday, June 3.
In other words, continued Yudi, only one electronic know your customer (e-KYC) process or customer identification electronically or digitally involves a system so that the process can be carried out easily without physical contact, users get two services at once.
This collaboration is also one of the steps taken by MNC Bank and Kredit Pintar to increase customer convenience, capacity, and user acquisition penetration of MotionBanking and increase financial inclusion where half of the Indonesian population is still unbanked or unbanked.
"With the realization of the integration between Smart Credit and MotionBanking, this is the first breakthrough in digital banking innovation in Indonesia. So we are optimistic that in the future we can reach a wider market," said Director of Smart Credit, Wisely Wijaya.
Kredit Pintar, which is part of the Atome Financial group of companies, is an information technology-based money-lending service provider company that has a license and is under the supervision of the Financial Services Authority (OJK) and has been operating since 2017.
To date, Kredit Pintar has disbursed a total loan of more than IDR 27 trillion, of which about half of its customers borrow money for small business capital or education purposes. The total number of borrowers since Kredit Pintar was founded has reached 8 million customers.
"We continue to strive to provide loan solutions that are easy, fast, and most affordable for customers. With the market and system that MotionBanking already has as part of MNC Bank, we hope that in the future more and more Indonesians will be able to enjoy digital banking facilities," said CEO of Atome Financial Indonesia, Wawan Salum.
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