Overview & Architecture

Manage your data exchange pipeline and API access.

Data Exchange Pipeline Architecture

Data Providers

account_balanceCredit Bureau

point_of_salePOS Transactions

schoolLMS Participation

assignmentBusiness Survey

datasetAlternative Data

hub

Artafit Data Exchange

Governed data processing and scoring engine.

verified Secure

API Endpoints

Capacity to Pay APIarrow_forward

POST /v1/scores/capacity-to-pay

Willingness to Pay APIarrow_forward

POST /v1/scores/willingness-to-pay

Data Provider Parameters

Parameters and categorization rules extracted across raw data providers.

account_balance

Credit Bureau

CLIK Scoring Data

Credit History

speed

Credit Score Range

Sangat baik

597 - 659

Baik

562 - 596

Sedang

520 - 561

Kurang baik

320 - 519

Buruk

150 - 319

fact_check

Collectibility Status (KOL)

KOL 1 - Kredit LancarLancar

Nasabah tercatat tidak memiliki tunggakan cicilan.

KOL 2 - Kredit DPKDalam Perhatian Khusus

Debitur tercatat menunggak cicilan kredit 1 - 90 hari.

KOL 3 - Kredit Tidak LancarTidak Lancar

Nasabah tercatat menunggak cicilan kredit 91 - 120 hari.

KOL 4 - Kredit DiragukanDiragukan

Nasabah tercatat menunggak cicilan kredit 121 - 180 hari.

KOL 5 - Kredit MacetMacet

Nasabah tercatat menunggak cicilan kredit lebih dari 180 hari.

point_of_sale

POS Transactions

Merchant Cash Flow Stability & Revenue Velocity API

Credit History

insights

Cash Flow Stability

Scale: 0.00 – 1.00

0.00 (Unstable)1.00 (Highly Stable)

Calculation Variables

check_circleTransaction Revenue

check_circleReversals / Voids

check_circleFee Deductions

check_circlePayout Amounts

check_circleSettlement Timing

check_circleCash Flow Variability

trending_up

Revenue Velocity

Settled Transactions

Daily Ratex.xx millionIDR / day

Weekly Ratexx.xx millionIDR / week

Monthly Ratexxx.xx millionIDR / month

Base Formula: Total Settled Revenue / Observation Days

Supported Periods: 7, 30, 90, 180, 365 days

school

LMS Participation

Online Learning Engagement Data

Motivation & Literacy Assessment

fact_check

Variables in Consideration

auto_stories

Finished Modules

Total number of online learning modules fully completed by the business owner.

quiz

Post-Test Scores

Assessment and quiz outcomes following module completion to verify concept mastery.

workspace_premium

Certificates Acquired

Verified certificates earned upon passing structured training paths.

psychology

Behavioral Assumptions

verifiedGrowth Motivation

Businesses actively engaging in online learning via LMS demonstrate proactive motivation to scale and improve operations.

verifiedFinancial & Credit Literacy

Completion of LMS courses correlates with enhanced knowledge regarding loans, credit management, and responsible debt repayment.

assignment

Business Survey

Business Intent & Existing Operational Conditions

6 Assessment Categories

gavel

Administration, Legal & Tax

Evaluates legal entity status, business licenses (NIB/NPWP), and tax compliance.

Focus AreaLegal Standing

design_services

Design & Product Standardization

Assesses product quality control, branding maturity, packaging, and standard certifications.

Focus AreaProduct Readiness

storefront

Market Reach & Competitive Positioning

Measures target market reach, customer retention, and competitive positioning.

Focus AreaMarket Presence

account_balance_wallet

Bookkeeping & Financial Management

Evaluates financial recordkeeping rigor, cash flow tracking, and budgeting practices.

Focus AreaFinancial Governance

campaign

Online Marketing Channels

Tracks active digital channels, social media engagement, and e-commerce presence.

Focus AreaDigital Reach

qr_code_2

Digital Payments

Measures adoption of digital payment methods including QRIS, e-wallets, and transfer channels.

Focus AreaPayment Maturity

dataset

Alternative Data

External Provider Integrations

construction Coming Soon

two_wheeler

Gig Workers

Gojek, Grab, etc.

Verifies supplementary income streams and earning regularity not captured in primary POS transactions.

phone_android

Telco

Postpaid & Top-up

Evaluates telecom bill settlement behavior and payment consistency over historical billing cycles.

bolt

PLN

Electricity Utility

Tracks electricity utility bill payment consistency as a proxy for operational stability and cash flow health.

health_and_safety

BPJS

Health & Employment

Verifies regular social security and healthcare insurance contribution consistency for the business and employees.

engineeringIntegration specs and API endpoints are currently under active design.