Alternative Data Credit Decisioning Roundtable

Roundtable Overview

Indonesia's digital banking landscape now includes 17 OJK-licensed challengers, several backed by the country's dominant super-app ecosystems — Gojek, Shopee, and Grab. Bank Jago grew its loan book from USD 57 million to USD 1.3 billion between 2020 and mid-2025. These challengers benefit from underwriting signals traditional credit bureaus cannot yet replicate: real-time gig income, e-commerce spending behaviour, and ecosystem loyalty data. Incumbent banks are responding with major credit technology investments, ranging from AI decisioning layers on top of existing bureau integrations to full credit platform rebuilds. This roundtable brings together heads of retail credit and chief credit officers to discuss how lending models are evolving, where alternative data can realistically close the gap, and what OJK’s evolving data governance requirements mean for how banks can deploy these signals in production.

Closed-Door Discussion

Chatham House Rule

Peer-Driven

Pitch-Free

Discussion Points

How incumbents are responding to challengers whose gig economy and e-commerce data give them a structural underwriting advantage?

How banks are evaluating alternative data sources without creating synthetic identity fraud exposure or violating OJK's data governance requirements?

How banks are deciding between rebuilding credit engines from the ground up and wrapping existing bureau integrations with an AI decisioning layer

Agenda

1815 - 1900

Arrival and Networking
Guests arrive and are welcomed into an informal reception ahead of the evening's discussion. An opportunity to meet fellow attendees and build connections before the roundtable gets underway.

1900 - 2000

Roundtable Discussion and Drinks
The group moves to a seated, moderated discussion guided by a structured agenda. An open, candid conversation among peers on the evening's core themes, with room for debate and different perspectives.

2000 - 2115

Three-Course Dinner
A private dinner in an elegant setting, where conversation continues in a more relaxed environment. An opportunity to deepen connections and continue the themes of the evening over fine cuisine.

2115 - 2200

Wrap Up, Q&A and Closing DrinksThe moderator draws out key takeaways and opens the floor for final questions and reflections. The evening closes with informal drinks, allowing attendees to continue conversations and explore next steps.

Who Will Attend

Head of Retail Credit · Chief Credit Officer · Head of Digital Lending · Head of Credit Risk · Head of Credit Decisioning / Credit Analytics · Chief Risk Officer

Apply to Attend

This is an invitation-only event with limited seating. Attendance is subject to approval to ensure a senior and relevant group. Please apply below. Further details will be shared upon confirmation.