Our beliefs at a glance

We are experienced financial technologists who believe strongly in the power of technology to create customized, inclusive and equitable financial and insurance outcomes for a billion customers in emerging Asia who are only now becoming banked and insured.

We believe strongly in the power of technology

The largest

Largest digital credit risk in Indonesia and Philipphines

We are the largest digital credit risk scoring, finance, insurance and investment platform in Indonesia and the Philippines. We have served over 50 million customers across these two markets since late 2013, when we were founded

We invented and pioneered the digital sales channel for Indonesian and Philippine financial and insurance institutions; delivering high quality, low cost, high volume distribution solutions that now account for more than 20% of many of our partners’ total sales

Today, we’re excited to share an update on how we’re doing:
  • Just last month, we have served over 50 million customers across Indonesia and Philippines since late 2013.
  • We invented and pioneered the digital sales channel for Indonesian and Philippine financial and insurance institutions.
  • Delivering high quality, low cost, high volume distribution solutions that now account for more than 20% of many of our partners’ total sales

The pioneer

We pioneered the underwriting marketplace concept

We also pioneered the “underwriting marketplace” concept, where credit risk scoring and decision engines are embedded directly into the financial e-commerce experience, such that a customer can receive a principal in-application approval with a risk-adjusted price.

Our goal over time is to help millions of customers manage their credit and price and persistency such that we can walk down the interest rates over time. This will dramatically reduce financial institutions’ costs of underwriting and spread credit responsibly and equitably in society.

We spread credit responsibly and equitably in society

The commitment

We are committed to financial inclusion, transparency, and literacy.

We are committed to financial inclusion, financial transparency, and financial literacy. We believe access to simple financial services, in a convenient and simple way, is the backbone of an equitable and fair economy

Tens of millions of Indonesians and Filipinos benefit from our services and acquire lower interest rate loans, better mortgage terms, more holistic insurance coverage, and superior savings and investment products.

We are engineers, developers, data scientists, product designers, digital markets, operations specialists, accountants, business analysts, media executives, former bankers and insurance underwriters – together, we are C88 Financial Technologies Group.

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If you are a financial institution in Southeast Asia, we have data and case studies that will interest you. Please get in touch with us to learn more!

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