KONTAN.CO.ID - JAKARTA. The expansion of PT GOTO Gojek Tokopedia Tbk (GOTO) into the creditworthiness analysis business as known as credit scoring, through Tokoscore, has received a positive response from market players. Analysts think this strategy will bring two advantages at once.
First, Tokoscore will be the GOTO Financial backbone in the financing business to customers and merchants. Second, Tokoscore owns promising business potential by bringing in revenue. Interestingly, through this alternative credit scoring business, GOTO has an opportunity to gain income from outside of its three main business segments, namely: on-demand, e-commerce, and financial technology.
“From Tokoscore, of course, the main hope is a more optimal lending so that it helps to accelerate GOTO’s profitability,” the Investindo Nusantara Sekuritas analyst, Pandu Dewanto, told reporters.