Askred.AI

SaaS platform for credit insurance operations in Indonesia

Core Administration 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

At a Glance

Headquarters: Jakarta Timur, Indonesia

Category & Focus

Category: Core Administration
Subcategories: Claims Management Policy Administration Risk Profiling Data Analytics
Insurance Verticals: P&C Commercial Specialty/E&S
Target Customers: Carriers, Brokers