YUP: Algorithmic Credit Cards for Indonesia’s Underbanked Majority
商品編號：W46941
出版日期：2026/01/15
再版日期：
商品來源：
商品主題：International Business; Marketing
商品類型：Case (Field)
涵蓋議題：emerging market;fintech;mobile banking;female empowerment
難易度：4 - Undergraduate/MBA
內容長度：12 頁
地域：Indonesia, China
產業：Finance and Insurance
事件年度：2025
Founded in Jakarta in 2020, the financial technology (fintech) firm PT Finture Tech Indonesia (YUP) set out to close Indonesia’s gap between digital readiness and limited credit access. Based on deep localization, cultural signals, and China’s fintech playbook, YUP designed user-centric credit cards powered by an alternative credit scoring algorithm that used non-traditional data such as device usage, online behavior, and mosque donations to serve people excluded by traditional banks. By 2024, YUP had 1 million users and over US$1 billion in transactions. An unexpected result of its unbiased algorithm was empowering women, who made up 56 per cent of its user base, many of whom were micro-entrepreneurs. YUP now faced a choice: deepen its presence in Indonesia, expand its ecosystem, or enter new Southeast Asian markets.
教學手冊：YUP: Algorithmic Credit Cards for Indonesia’s Underbanked Majority - Teaching Note
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