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Driving Financial Inclusion in Indonesia with Innovative Credit Scoring

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Qualitative analysis identifies barriers to financial inclusion in Indonesia, suggesting policy reforms for credit scoring.

Innovative credit scoring improves financial inclusion but faces regulatory and structural challenges.
Focus group discussions with 36 stakeholders revealed barriers like fragmented regulation and limited data interoperability.
Recommendations include enhancing regulatory frameworks and investing in digital infrastructure to support inclusive credit scoring.
Understanding algorithmic opacity is critical to ensure unbiased assessments and equitable access.

Adam et al. (2025) studied this question.

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