Mastercard and CLIK Credit Bureau Indonesia join forces to empower lenders

Mastercard today announced a strategic collaboration with CLIK Indonesia, a leading private credit bureau, to deliver advanced consulting services that empower card issuers and financial institutions across Indonesia. The collaboration addresses pressing market needs for optimal, data-driven intelligence that allows lenders to grow responsibly, improve decisioning, and protect portfolio health. Indonesia’s financial sector is undergoing rapid transformation, driven by digital adoption, rising credit demand, and the expansion of small businesses. Indonesia has approximately 65.5 million micro, small, and medium-sized enterprises (MSMEs) that employ a workforce of 119 million people[1]. These enterprises form the backbone of the Indonesian economy, accounting for more than 61 percent of the country’s gross domestic product, according to the Indonesian Central Bureau of Statistics. Despite their scale, access to finance remains the biggest obstacle to their growth. According to the 2026 IMF Article IV report, Indonesian MSMEs face significantly higher borrowing costs and more complex loan application procedures compared to peer economies.