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§ Private Profile · Jakarta, Indonesia
Skorlife is a company.
Skorlife has raised $12.4M across 3 funding rounds.
Key people at Skorlife.
Skorlife has raised $12.4M in total across 3 funding rounds.
Skorlife operates a financial wellness platform designed to empower individuals by enhancing their credit profiles and financial reputations. The company’s core offering provides users with tools to monitor and manage their credit scores, offering insights and educational resources aimed at improving their collectibility status and increasing their chances for loan approvals. This platform streamlines financial management by allowing users to understand their spending patterns and manage credit card payments effectively.
The company was co-founded in 2022 by Ongki Kurniawan, who serves as CEO, and Karan Khetan, the COO. Their entrepreneurial journey began with the insight that Indonesian consumers needed greater transparency and control over their financial data. Ongki Kurniawan brings relevant experience, having previously headed Stripe Indonesia, underscoring a strong foundation in fintech and digital payment ecosystems.
Skorlife serves individual consumers across Indonesia, providing them with the means to build a robust financial foundation. The company’s vision centers on giving consumers full control over their credit data, thereby democratizing access to credit and fostering more responsible borrowing practices. It aims to transform Indonesia’s credit landscape by promoting financial literacy and empowering individuals toward greater financial well-being.
Key people at Skorlife.
Skorlife has raised $12.4M across 3 funding rounds. Most recently, it raised $6.2M Pre-Series A in January 2025.
| Date | Round | Lead Investors | Other Investors | Status |
|---|---|---|---|---|
| Jan 20, 2025 | $6.2M Seed Plus | Argo | — | Announced |
| May 23, 2023 | $4M Seed | — | — | Announced |
| Sep 4, 2022 | $2.2M Pre Seed | — | — | Announced |
Skorlife is an Indonesia-based fintech startup founded in 2022 that empowers consumers by providing access to their credit scores, reports, and insights via its mobile app, partnering with licensed credit bureau CLIK to promote financial inclusion and literacy.[1][2][5] It serves everyday Indonesians facing limited visibility into their creditworthiness, solving the problem of opaque lending processes that push users toward high-interest secured loans by enabling them to check, understand, dispute, and improve their SLIK collectability status (a Bank Indonesia credit quality standard with scores 1-5).[1][4][5] The company has shown strong growth momentum, surpassing 2 million app downloads, $12.4M in total funding (including a $6.2M pre-Series A in Jan 2025 and $4M seed in 2023), and launching Skorcard—a digital-first credit card with over $10M annualized spending volume in its first year.[2][3]
Skorlife emerged from market research by its founders, including COO & Co-founder Karan Khetan and CEO Ongki (full name not specified in sources), who initially explored digitizing gold lending but discovered a deeper issue: Indonesians lacked insight into their credit profiles, leading to reliance on costly secured loans despite bank rejections.[1][4] After a year of conversations with hundreds of customers, they pivoted to credit score education and launched in 2022 from Jakarta with a small team, growing to 24 employees.[1][2] Early traction came organically via social media and word-of-mouth, hitting 1.5-2 million downloads and 750,000 credit report accesses, fueled by pre-seed ($2.2M) and seed funding from investors like Hummingbird Ventures, QED, AC Ventures, and Saison Capital.[2][3][4]
Skorlife rides Indonesia's fintech boom, targeting financial inclusion in a nation of 270M+ where credit visibility gaps hinder lending—bridging consumers and banks amid rising digital adoption and open banking trends.[1][2][4] Timing aligns with regulatory support from OJK and Bank Indonesia, plus e-commerce giants (e.g., Shopee, Tokopedia) enabling embedded finance, allowing quick loans during shopping.[4] Market forces like high unbanked populations and fraud challenges favor its transparency model, influencing the ecosystem by boosting literacy, reducing bad loans, and partnering with institutions for broader data exchange.[1][4]
Skorlife is poised to dominate Indonesia's credit infrastructure, expanding Skorcard, pushing open banking integrations, and scaling education to millions amid regulatory evolution.[2][4] Trends like GenAI efficiencies and embedded finance will accelerate growth, potentially evolving it into a full financial wellness platform that reshapes lending trust. With $12M+ raised and viral traction, expect deeper ecosystem impact, circling back to its core mission of handing financial reputation control to individuals.[1][2][3][4]
Skorlife has raised $12.4M in total across 3 funding rounds.
Skorlife's investors include Argo.
