印度尼西亚雅加达（2025年1月14日，星期二）——Skor Technologies，印尼本土的Skorlife和新推出的Skorcard信用卡的母公司，在其最新一轮Pre - A融资中筹集了620万美元。专注于东南亚的风险投资公司Argor Capital领投此轮。其先前的投资者QED Investors和Saison Capital以及新投资者数字货币集团也参与了此轮，为这家金融科技公司筹集的总资本超过1200万美元。

2023年5月，Skor完成了由蜂鸟创投领投的400万美元种子轮融资，Bolt by QED以及现有投资者AC Ventures和Saison Capital也参与其中。当时，这家金融科技公司专注于其信用教育产品Skorlife，但在2024年3月与Mayapada国际银行合作推出了“数字优先信用卡”Skorcard。在过去几个月中，公司一直专注于建立卡业务运营，并测试用户对卡的需求和接受度。

印尼的信用卡市场机遇巨大，潜力无限。信用卡渗透率仍低于3%，与泰国或马来西亚等地区同行相比，后者的信用卡渗透率分别为8%和20%，这一比例极低。此外，2022年印尼金融监管局的一项全国性调查显示，印尼人的金融知识水平不到50%，而且很少有人知道自己的信用评分或如何提高它。这种缺乏认识加上高信用拒绝率，让消费者感到困惑和沮丧。尽管市场潜力巨大，Skor不得不克服包括应对法规、建立强大的专有风险框架以及与银行和其他金融科技玩家竞争等众多障碍，以提供其产品和服务。

Skor联合创始人兼首席执行官翁基·库尔尼亚万表示：“从电子钱包、先买后付到二维码支付，金融科技参与者和监管机构在创新方面发挥了巨大作用——数字化支付并让更多人获得信贷；两者都在为消费者采用信贷额度作为‘生活方式’产品的基础要求方面发挥了关键作用。我们相信印尼是一个信贷额度产品供应受限的市场，现在是解决这一日益增长的消费需求的合适时机，从数字优先信用卡开始。有机会建立一个200万张卡的客户基础，我们与银行合作伙伴一起，非常有动力将其实现。”

Skorcard和Mayapada国际银行建立了一种协同合作的伙伴关系，银行致力于开放一个BaaS平台以创造新的增长机会，而Skorcard的价值主张与之契合。Mayapada国际银行消费者业务主管文森特·苏特贾表示：“作为一家银行，我们看到像Skorcard这样的合作伙伴对于发展我们的消费者银行业务至关重要，这可以发挥我们的优势和他们的优势。我们与Skorcard开展的试点项目证明我们可以运营这种双赢的合作伙伴关系，现在我们期待将这一合作伙伴关系扩展到2025年。”

在一个没有赢家通吃市场的环境中，Skorcard的信用卡主张建立在“体验”差异之上。作为一种数字优先信用卡，它是少数专注于构建单一信贷产品的初创公司之一，其专门构建的移动应用程序以“游戏化”作为其吸引用户的主要差异化方式。该初创公司还声称其以独特的方式利用数据来协助和吸引用户。在运营的第一年，Skorcard的年化支出额超过了1000万美元。信用教育平台Skorlife的下载量也超过了200万次。

Argor Capital合伙人西德·皮沙罗迪表示：“我们看到印尼消费信贷市场有巨大的增长潜力，很高兴支持Skor及其独特的产品供应和经验丰富的管理团队。Skor的领导团队由具有互补技能的个人组成；作为一个团队，他们结合了深厚的领域专业知识、对印尼消费信贷市场痛点的透彻了解以及在金融服务生态系统中的强大关系网络。我们支持Skor，帮助数百万印尼人改善他们的财务状况，同时增强他们获得信贷的途径。”

QED亚洲合伙人兼主管桑迪普表示：“我们坚定地支持翁基、卡兰和库什，他们通过创新的数字优先信用卡和信用教育平台革新印尼的金融格局。他们在吸引客户、应对监管框架以及培养战略合作伙伴方面取得了显著进展，这展示了他们愿景的力量。随着公司进入下一增长阶段，专注于扩大其信用卡产品供应，我们对未来的巨大潜力感到振奋。”

Skor Technologies也在加强其团队。库什·斯里瓦斯塔瓦作为第三位联合创始人加入公司，带来了丰富的金融科技和科技经验，他此前曾是Card91的联合创始人。基里尔·奥丁佐夫作为首席风险官和数据科学主管加入。基里尔曾是HomeCredit印尼的承保主管。曾在另一家金融科技初创公司Fi担任数据主管的苏伦德拉·辛格也加入Skor，负责数据分析。

Skor Technologies拥有200万张卡的明确愿景，但为2025年设定了明确目标，预计交易额将超过1亿美元。筹集的资金将专注于帮助公司实现规模扩张，同时在组织内增加关键人才。

关于Skor Technologies

Skor Technologies是一家领先的专注于印尼的金融科技公司，致力于通过创新和可及性革新消费信贷市场。作为信用教育平台Skorlife和数字优先信用卡Skorcard的母公司，Skor Technologies赋予印尼人理解和利用其信用潜力的能力。

公司结合了金融、科技和消费者行为方面的深厚专业知识，以解决印尼尚未充分开发的信贷市场。Skor Technologies利用数据驱动的洞察和游戏化体验，重新定义信用卡使用作为一种生活方式产品，帮助数百万用户解锁金融机会。

自成立以来，Skor Technologies取得了显著的里程碑，包括Skorlife的下载量超过200万次，以及通过Skorcard实现的年化支出额超过1000万美元。在Argor Capital、QED Investors和Saison Capital等知名投资者的支持下，Skor Technologies致力于赋予印尼人实现财务健康的能力，并改变该国的信贷生态系统。

媒体联系人

Annisa Bella Syana.S（Abel）

AC Ventures高级市场与传播专员

annisa@acv.vc

附原文：

Skor Technologies raises US$6.2 million in pre-Series A funding to tackle Indonesia’s underpenetrated consumer credit market, starting with the credit card problem

JAKARTA, INDONESIA (TUESDAY, JANUARY/14/2025) — Skor Technologies, the parent company of Indonesia-focused Skorlife and the new Skorcard credit card has raised US$6.2 million in its latest Pre-A round. Argor Capital, a Southeast Asia-focused VC, led the round. Its previous investors, QED Investors and Saison Capital, and new investor the Digital Currency Group also participated in the round, bringing the total capital raised to over US$12m for the fintech company.

In May 2023, Skor closed a US$4 million seed round, led by Hummingbird Ventures, with participation from Bolt by QED, and existing investors AC Ventures and Saison Capital. At that time, the fintech company was focused on its credit-education product Skorlife but has launched a “digital-first credit card”, Skorcard, in March 2024, in partnership with Bank Mayapada International. Over the past several months, the company has been focused on setting up the card operations and testing the card demand and take-up with users.

The credit card market opportunity in Indonesia remains immense with huge potential upside. Credit card penetration remains below 3%, which is extremely low even compared to regional peers like Thailand or Malaysia where it is at 8% and 20%, respectively. Furthermore, a 2022 national survey by OJK indicated that financial literacy amongst Indonesians was less than 50%, and much less know what their credit score is or how to improve it. This lack of awareness coupled with high credit rejection rates leaves consumers confused and frustrated. Despite the large market potential, Skor has had to overcome several barriers including navigating regulations, building a robust proprietary risk framework, and competing offerings by banks and other fintech players to deliver its products and services.

Ongki Kurniawan, co-founder and CEO of Skor said “From eWallets, BNPL to QRIS, fintech players and the regulators have played a tremendous role in innovation - digitizing payments and giving more people access to credit; both play a critical role in setting the foundational requirements for consumers to adopt credit-line as a “lifestyle” product. We believe Indonesia is a supply constrained market for the credit-line product, and it is the right time to solve this growing consumer need, starting with a digital-first credit card. The opportunity to build a 2 million card base customer exists, and along with our bank partners we are incredibly motivated to make this a reality.”

Skorcard and Bank Mayapada International created a synergistic partnership, where the bank has embarked on opening a BaaS platform to create new growth opportunities and Skorcard’s value proposition fits well. Vincent Suteja, Consumer Business Head, Bank Mayapada International said “As a bank, we see partnerships like Skorcard instrumental in growing our consumer banking business which leverages our strengths with theirs. The pilot program we ran with Skorcard proved we can operate this win-win partnership, and now we are looking to scale this partnership into 2025.”

In a market where there is no winner-takes-all all, Skorcard's credit card proposition is built on “experiential” difference. As a digital-first credit card, it is one of the few startups focused on building a monoline credit product, with a purpose-built mobile app that has employed “gamification” as a major differentiator in how they engage the user. The startup also claims it leverages data in unique ways to assist and engage users. In the first year of operation, Skorcard surpassed US$10 million in annualized spending volume. Skorlife, the credit-education platform, also surpassed 2 million downloads.

Sid Pisharody, Partner at Argor Capital said “We see tremendous potential for growth in the Indonesian consumer credit market and are excited to back Skor with its distinct product offerings and vastly experienced management team. Skor’s leadership team comprises individuals with complementary skillsets; together, the team has a combination of deep domain expertise, a thorough understanding of the pain points in the Indonesian consumer credit market, and a strong network of relationships in the financial services ecosystem. We are backing Skor to empower millions of Indonesians to improve their financial well-being while enhancing their access to credit.”

Sandeep, Partner and Head of Asia at QED said “We are deeply committed to supporting Ongki, Karan, and Kush as they revolutionize Indonesia's financial landscape through their innovative digital-first credit card and credit education platform. Their remarkable progress in engaging customers, navigating regulatory frameworks, and fostering strategic partnerships demonstrates the strength of their vision. As the company enters its next growth phase focused on scaling its credit card offerings, we are energized by the phenomenal potential ahead.”

Skor Technologies has also been strengthening its team. Kush Srivastava joined the business as the third co-founder, bringing a wealth of experience in fintech and technology with his past stints as cofounder of Card91. Kirill Odinstov joins as CRO and Head of Data Science. Krill was Head of Underwriting at HomeCredit Indonesia. Surendra Singh who was Head of Data at Fi, another fintech startup, also joins Skor to head data analytics.

Skor Technologies has a clear vision of 2 million cards but set clear sights for 2025, where they expect to cross US$100 million in transaction volume. The capital raised will be focused on helping the business achieve scale while growing the team with key talents across the organization.

About Skor Technologies

Skor Technologies is a leading Indonesia-focused fintech company, dedicated to revolutionizing the consumer credit market through innovation and accessibility. As the parent company of Skorlife, a credit-education platform, and Skorcard, a digital-first credit card, Skor Technologies empowers Indonesians to understand, improve, and leverage their credit potential.

The company combines deep expertise in finance, technology, and consumer behavior to address Indonesia's underpenetrated credit market. Skor Technologies leverages data-driven insights and gamified experiences to redefine credit card usage as a lifestyle product, helping millions of users unlock financial opportunities.

Since its inception, Skor Technologies has achieved significant milestones, including over 2 million downloads of Skorlife and surpassing $10 million in annualized spending volume through Skorcard. Backed by prominent investors such as Argor Capital, QED Investors, and Saison Capital, Skor Technologies is committed to empowering Indonesians to achieve financial well-being and transforming the country's credit ecosystem.

Press Contacts

Annisa Bella Syana.S (Abel)

Sr. Asso of Marketing & Communications, AC Ventures

annisa@acv.vc