Income Predictor: CBI’s New Solution for Accurate Debtor Income Prediction

Credit Bureau Indonesia (CBI) reaffirms its commitment to supporting the financial industry by launching an innovative product called Income Predictor.

This solution is designed to address one of the main challenges in digital lending: ensuring accurate credit assessments while maintaining compliance with applicable regulations.

What is Income Predictor?

Income Predictor is a product designed to provide accurate estimates of a borrower’s income, helping financial institutions make data-driven decisions.

Key Benefits of Income Predictor:

More Accurate Risk Assessment

This service helps financial institutions understand a borrower’s ability to repay debts, even if they have limited credit history.

Optimized Loan Offers

The tool can adjust loan amounts and interest rates to match each debtor’s financial profile.

Better Customer Targeting

It also helps identify high-income customers for premium product offers, maximizing revenue potential.

Income Input and Classification Output

This tool accepts income inputs ranging from IDR 2.5 million to over IDR 10.5 million, with the following classification:

• IDR 0–2.5 million
• IDR 2.5 million–3.5 million
• IDR 3.5 million–4.5 million
• IDR 4.5 million–5.5 million
• Over IDR 10.5 million

By understanding borrowers’ income, financial institutions can make more confident and data-driven lending decisions.

Income Predictor Supports Responsible Digital Lending

The launch of Income Predictor is a strategic move by CBI to support responsible digital lending. This innovation is designed to help financial institutions improve the accuracy of credit assessments while staying compliant with regulations.

“We believe that access to accurate and reliable data will bring significant benefits to the financial industry. With Income Predictor, we hope to assist financial institutions in making smarter credit decisions, reducing default risks, and increasing financial inclusion in Indonesia,” said Peter Sugiapranata, Chief of Sales at CBI.

Learn more about Income Predictor by contacting us through the following link: https://www.cbi.id/contact-us/