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Digitally transform your finance and lending operations

PowerCred offers a comprehensive, one-stop API suite that seamlessly accelerates and simplifies your lending processes with speed, efficiency, and scalability.
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The finance automation solution designed for digitising your entire loan operations

PowerCred is meticulously engineered to optimise the entire loan lifecycle so financial services providers can significantly save on costs and manual effort. Now, you can leverage a fully automated tool to eliminate the need for manual processes–all while boosting your operational efficiency and providing a frictionless experience to customers.

More comprehensive process

PowerCred offers the most comprehensive verification process available, seamlessly integrating traditional data sources like Dukcapil with extensive checks against additional databases for criminal records and thorough background assessments.

  • eKYC
  • eKYB
  • FraudGuard

More intelligent and accurate

PowerCred integrates with over ten leading banks throughout Indonesia, providing an intelligent layer that assists financial service providers in developing a more comprehensive customer profile.

  • User Onboarding
  • Identity Verification
  • Document Capture and Validation
  • Alternative Data

More advanced and evidently faster

PowerCred equips you with proprietary data models and advanced algorithms, enabling you to accelerate your market entry. Our platform includes a comprehensive Fraud and Tamper Check that detects up to 30 different types of frauds in bank statements and identifies any tampering. 

  • Risk Assessment Matrix
  • Bank Statement Analyzer
  • Fraud Detection
  • Decision-Making Engine

More simplified data management

PowerCred optimises your understanding and management of customer data through a single, unified dashboard. It enables you to identify and view frequently connected data partners, simplify data management, and understand drop-offs.

  • Customer Dashboards
  • Data Integrations

Do better without working harder

Our entire product portfolio is designed to enable your financial digital transformation–from your digital identity verification to onboarding clients.

Onboarding Solutions

solutions ktp mobile
The KTP, Indonesia’s national ID, is crucial for onboarding borrowers in financial institutions. Powercred’s system can process, analyse, verify, and visualise KTP data on its platform or transmit it to lenders via API.

Key Features:

OCR Extraction of Data
Analysis
Field & Document Level Confidence Scores
Verification
Dukcapil Verification
Visualisation
OCR, Analysis & Verification display on Powercred’s Dashboard
API Compatible
Compatible API for Submission & Retrieval of Output
dukcapil verification
solutions dukcapil mobile
Verify personal identity information with DUKCAPIL, Indonesia’s Directorate General of Population and Civil Registration. This government body ensures accurate and up-to-date population data and civil registration, providing a reliable foundation for various verification processes.

Key Features:

OCR Extraction of Data
Analysis
Field & Document Level Confidence Scores
Verification
Dukcapil Verification
Visualisation
OCR, Analysis & Verification display on Powercred’s Dashboard
API Compatible
Compatible API for Submission & Retrieval of Output
face verification
solutions face verification mobile
Enhance borrower identity verification with face verification services, including passive liveness detection and face comparison. Passive liveness confirms that the uploaded photo is a genuine selfie, not a forgery. The face comparison service matches the selfie with the ID card photo, providing a confidence score to assist lenders in making informed, real-time onboarding decisions.

Key Features:

Liveness Passive Liveness
Face Comparison
Comparison of faces between image & id card
Verification
Dukcapil Verification
API Compatible
Compatible API for Submission & Retrieval of Output
nomor pokok wajib pajak (npwp)
solutions npwp mobile image
Verify the NPWP (Nomor Pokok Wajib Pajak), Indonesia’s Taxpayer Identification Number, essential for lenders to assess borrower profiles. The NPWP aids in financial profiling, creditworthiness assessment, and fraud prevention by confirming tax compliance and financial stability. It ensures regulatory compliance and enhances the KYC process, providing a comprehensive borrower profile for informed lending decisions.

Key Features:

OCR Extraction of Data
Verification
Verification of ID card via DJP
Visualisation
OCR & Verification display on Powercred’s Dashboard
API Compatible
Compatible API for Submission & Retrieval of Output
income range verification
solutions income range verification mobile image
Leverage PowerCred’s comprehensive services to meticulously verify income and assess a borrower’s financial stability and repayment capability. For individual borrowers, this involves verifying salary income, while for corporate borrowers, it means evaluating business income. Powercred’s income verification ensures precise and thorough financial assessments for both individuals and businesses.

Key Features:
Verification
Individual Income
Income Range from BPJS & DJP
Corporate Income
Income verification from DJP
Output
Visualisation
OCR & Verification display on Powercred’s Dashboard
API Compatible
Compatible API for Submission & Retrieval of Output
telco verification
solutions telco mobile
Verify a borrower’s mobile number with PowerCred’s services to confirm identity, reduce fraud risk, and ensure reliable communication for loan applications, approvals, and repayment reminders. This verification supports KYC compliance, assesses creditworthiness, aids in recovery efforts, and enhances security through two-factor authentication for safe transactions.

Data Points Included:

Validity Disposable Ported
Current Carrier
Last Carrier
Last Deactivated
Email Provider
Social Media
Registered eCommerce
Connection Type
Is Leaked
Fraud Score
other onboarding document
solutions others mobile
PowerCred’s advanced Intelligent Document Parser system streamlines the processing of all necessary documents for onboarding borrowers, whether individuals or companies. By integrating robust OCR technology with an LLM layer, it ensures seamless data extraction from any document format. This document-agnostic approach allows lenders to upload documents in various formats, with the system accurately extracting any configured fields present.

Documents Configured in PowerCred’s IDP:

Documents OCR Visualisation API Compatible
Passport
✅
✅
✅
Kartu Keluarga
✅
✅
✅
Employment Certificate
✅
✅
✅

Underwriting Solutions

bank statements
solutions other underwriting mobile
Analyse bank statements with PowerCred’s specialised analyzer to gain comprehensive insights into a borrower’s financial health and behaviour. 

Designed for small businesses and financial institutions, this tool examines cash flow patterns, income consistency, and expenditure habits, aiding in loan repayment assessments and informed lending decisions. 

PowerCred’s analyzer highlights trends, identifies potential risks, and ensures thorough evaluations of financial stability for sound decision-making.

Key Features:

Features Description
OCR
Extraction of Data
Analysis
  1. Fraud Indicators
  2. Debit & Credit Analysis
Verification
  1. Meta Data Check
  2. Font Check
Visualisation
OCR, Analysis & Verification display on Powercred’s Dashboard
API Compatibility
Compatible API for Submission & Retrieval of Output
other underwriting documents
solutions bankstatement mobile
With PowerCred’s robust OCR and seamless LLM capabilities, financial services providers can process all configured documents used by lenders for underwriting. This document-agnostic approach allows lenders to upload documents in various formats, ensuring the system accurately extracts the configured fields.

Documents Configured in PowerCred’s IDP:

Documents OCR Visualisation API Compatible
Financial Statements
✅
✅
✅
Invoices
✅
✅
✅
Purchase Orders
✅
✅
✅
Silk
✅
✅
✅
Pefindo
✅
✅
✅
Payslip
✅
✅
✅
alternative data
solutions alternative data mobile
Powercred connects with some of Asia’s biggest eCommerce platforms to retrieve transaction data from sellers, providing lenders with essential insights for thorough underwriting. Accessing comprehensive transaction histories helps lenders assess business performance, revenue trends, and customer interactions, enhancing risk assessment and facilitating informed lending decisions based on a holistic view of the seller’s financial activities and repayment potential.
tokopedia
shopee
lazada
blibli
tiktok

We help you do what you do best

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“PowerCred and Akselaran are working hard to explore alternate data that is accessible, useful while also complying with current industry regulations.” We are excited and looking forward to the journey ahead”

Faizal Purwanto, Chief Risk Officer, Akseleran

gandneg
“Our partnership is focused on creating a more comprehensive borrower profile, leveraging PowerCred’s expertise in data intelligence to optimize our lending operations. This collaboration ensures greater efficiency and accuracy in our lending processes, ultimately enhancing the overall borrower experience.”

Gandeng Tangan

oto
“Partnering with PowerCred  has helped us optimize our  operational processes, and helped enable a more efficient and robust customer acquisition process. We look forward to working closely with PowerCred to solidify our mission”

OTO

“I have huge respect for PowerCred that’s helping build an ecosystem to help financial service providers empower women entrepreneurs in Southeast Asia.”

Amrita Vir, Co-Founder of Findicate

Get in touch

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Contact Us
PowerCred revolutionizes lending with advanced data solutions, providing lenders robust tools for identity checks, credit assessments, and fraud defence, seamlessly integrating validated structured data for precise analysis and decision-making.

Main Pages

Address

160 Robinson Rd, #03-12 SBF Center, Singapore 068914

Phone Number

Shrinivas Deshmukh (CTO):
+65 96549572