# Askred\.AI

> SaaS platform for credit insurance operations in Indonesia

## At a glance

| Field | Value |
| --- | --- |
| Category | Core Administration |
| Type | Solutions Provider |
| Region | APAC |
| Headquarters | Jakarta Timur, Indonesia |
| Stage | Growth |

## Overview

Askred.AI is a credit insurance management platform for financial institutions, insurance companies, and brokers operating in Indonesia. Developed by PT Data Teknologi Terintegrasi, the solution is delivered as a multi-module SaaS product covering the full credit insurance lifecycle.

The platform combines policy administration, claims processing, risk profiling, and premium reconciliation into a unified web-based system. AI and natural language processing support fraud detection and claims volume forecasting. The system connects to customer banking and insurance platforms via REST API and includes compliance features aligned with Indonesian financial services regulation OJK POJK 20/2023.

As of 2023, Askred.AI reported 1.2+ million policies issued, 5,000+ claim cases processed, IDR 70+ billion in premiums managed, and a partner network spanning 300+ financial institutions across Indonesia.

## Products & services

### Policy Management

Digital policy issuance, endorsements, and renewal management for credit insurance products distributed through multiple channels.

**Key features:**

- Policy creation and modification tracking
- Renewal scheduling and workflow management
- Multi\-channel distribution support

*Target users:* Insurance companies and financial institutions issuing credit insurance policies

### Claims Management

Integrated claim processing with submission, validation, and real-time status tracking.

**Key features:**

- Digital claim submission and validation
- Automated processing workflow management
- Status tracking for claims handlers and customers

*Target users:* Claims teams at insurance companies and financial institutions

### Risk Assessment and Profiling

Pre-underwriting evaluation with borrower health screening and risk profiling.

**Key features:**

- Health screening and pre\-existing condition evaluation
- Data integration for risk profile building
- Video\-based health screening support

*Target users:* Underwriters at insurance companies and lending institutions

### Premium Management

Premium calculation, tracking, and financial reconciliation across credit insurance portfolios.

**Key features:**

- Premium calculation and recording
- Reconciliation workflows
- Portfolio\-level tracking and reporting

*Target users:* Finance and accounting teams at insurance companies

### Data Analytics and Fraud Detection

Analytics module with AI-based fraud detection and claims forecasting.

**Key features:**

- NLP\-based fraud detection algorithms
- Claims frequency and volume forecasting
- Demographic data visualization and risk aggregation

*Target users:* Risk managers and claims analysts

### Integration Module

Data input methods for connecting Askred.AI with external banking and insurance platforms.

**Key features:**

- REST API for system\-to\-system integration
- Excel file upload for batch data imports
- Manual data entry interface

*Target users:* IT and operations teams at financial institutions and insurers

## Category & focus

- Subcategories: Claims Management, Policy Administration, Risk Profiling, Data Analytics
- Insurance verticals: P&C Commercial, Specialty/E&S
- Target customers: Carriers, Brokers

## Notable customers

- People's Credit Banks \(BPR\)
- Regional Development Banks \(BPD\)
- Leasing companies and cooperatives

## Links

- Website: <https://askred.ai>
- Directory profile: <https://insurtechlist.com/companies/askred-ai/>
- Mobile app: <https://play.google.com/store/apps/details?id=com.devdatapolis.askredai>

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*Last updated: 2026\-07\-12*