Credit scoring development plays an important role in

improving inclusive finance. This is because credit scoring development can encourage

credit access for individuals and micro, small, and medium enterprises, which are currently still

largely classified as unbanked and underbanked groups. The unbanked and underbanked groups in Indonesia are still relatively large compared to other ASEAN countries. To accelerate the development of credit scoring,

the use of credit scoring models and variations in scoring data have been significantly

increased in recent years due to better access to a wider variety of data, increased computing power, greater demand for

increased efficiency, and economic growth.