Heaptalk, Jakarta — Jenius, the digital banking product from SMBC Indonesia, introduced its new credit scoring feature, Creditbility (01/24). This feature aims to assist users in knowing their creditworthiness score and allocating it to credit products as needed.
This new feature can also be used as a benchmark for creditworthiness so users can understand and improve their credit scores. Using Creditbility, users can learn their real-time creditworthiness score, which also helps with credit planning. In this way, users can use it to accelerate the achievement of their dreams, whether in investment, education, or other financial goals.
“Through Creditbility, Jenius provides ease for users to obtain three credit products at Jenius, such as Jenius Paylater, Flexi Cash, and Jenius Credit Card, all through a single application. Not only that, but users can also manage credit products more practically and securely in one application, with flexible credit limit allocation that can be adjusted as needed,” said Febri Rusli, Digital Banking Product & Innovation Head at SMBC Indonesia, in Central Jakarta (01/24).
Furthermore, this feature will store unused credit limits, enabling users to manage their credit more wisely and safely. With this credit scoring feature, users can have flexibility and build a better financial reputation.
Building financial reputation
According to Ully Safitri, a certified financial planner and consultant at OneShildt Financial Independence, a financial reputation reflects the trust of financial institutions in a person’s ability to manage debts and financial obligations. A good reputation opens access to loans with more favorable offers, such as lower interest rates and greater financial opportunities.
“Everyone has different financial goals, including education, home renovation, business plans, and emergency preparations. One tool that can help accelerate the achievement of these goals is personal loans, with the important note to borrow according to capacity and pay on time to build a good financial reputation,” Ully explained in a financial education class titled “Financial Resolutions: Build a Better Financial Reputation” in Central Jakarta (01/24).
To build this reputation, Ully emphasized the importance of paying bills on time, using credit wisely, and borrowing as needed. Individuals should also be careful when choosing personal loans, ensuring that the platform they choose is licensed and registered with the Financial Services Authority (OJK) and understanding the benefits and risks of finding the right product for their needs.
“The features and innovations that Jenius presents are steps in supporting SMBC Indonesia’s vision to provide innovative and relevant financial solutions. Jenius hopes to help users in drafting and achieving their financial resolutions in 2025 to build a better financial reputation,” concluded Febri.
