Pioneer in the market for alternative Credit Score derived from E-commerce data source
Millions of data points to assist you in making more informed decision and seize untapped opportunities
Why do you need SDB?
Many companies face the same problems you’re facing. Limited credit history, traditional data points, outdated / incorrect info, and manual verification process. Learn how to save your time and lower your cost of operational.
Security & privacy
Using reliable encryption technology to maintain all existing activities.
Legal & standard
Presenting technology that complies with applicable laws and in accordance with industry standards.
Online 24/7
Our services are always accessible anytime and anywhere.
Our products
Toko Score
Get indications of borrower risk profile based on e-commerce behavior data
Address Match Index
Verify applicant addresses with user addresses registered in marketplaces
Phone Match Index
Verify applicant phone numbers with user phone numbers registered in marketplaces
Leaders
Herman Widjaja
CEO
Herman Widjaja is a prominent technology leader who is also on the list of CIO50 Southeast Asia. Passionate in paving the wave of building world-class Indonesian Digital talent, Herman was previously a Chief Information Officer at one of the telecommunication companies, Senior Engineering Manager at Google AR/VR, Oculus VR, and Amazon.com, and a seasoned Engineering Manager at Microsoft.
Frans Raharja Kurniawan
CTO
Frans Raharja Kurniawan is a technology leader with more than 8 years of experience in Financial Technology industry. He has a background in building insurance investment solution and mobile based POS System. Frans holds a BS degree in Computer Science with gaming (AR/VR) specialization from The Ohio State University.
James Resman
Commissioner
James Resman was a Certified Public Accountant (CPA). Prior to SDB, James was a Senior Manager at PricewaterhouseCoopers Indonesia. He holds a BSBA degree from the Philippine School of Business Administration.
Advisors
Vira Widiyasari
External Advisor
Vira Widiyasari is a financial services practitioner with more than 20 years of experience both in the national and international banking industry. Prior to this role, Vira was a Card Business Head in one of the national banks in Indonesia and managed Rp 14 Trillion of assets from 2 million users.
