Kredivo

Kredivo is the flagship product of the financial technology company FinAccel, which is headquartered in Singapore. Launched in Indonesia in 2016, Kredivo's mission is to provide fast, affordable, and accessible credit to underserved and underbanked consumers in Southeast Asia. Its core service is a "Buy Now, Pay Later" (BNPL) solution that allows users to make purchases and pay in 30 days or in installments over 3, 6, or 12 months. The platform uses advanced AI and machine learning to score creditworthiness and provide approvals in real-time. In addition to its BNPL services, Kredivo also offers personal loans. The company is officially registered and supervised by Indonesia's Financial Services Authority (OJK) as a multi-finance company under its legal entity PT FinAccel Finance Indonesia.