In 2025, Indonesia is seeing a noticeable rise in non-performing housing loans (KPR). Bank Indonesia data shows the Non-Performing Loan (NPL) ratio for KPR reached 3.24% in May 2025 — the highest in four years. The main drivers? Macroeconomic pressure, economic volatility, and increased default risk among lower-income borrowers.
One promising solution is CAAS (Customer Automated Acquisition System). While it cannot erase the impact of large-scale economic shocks, it can significantly reduce structural risks that lead to bad loans.
Why KPR Defaults Happen
KPR defaults often occur when borrowers can no longer make monthly payments. In 2025, many households faced income drops due to layoffs, unstable business revenues, and weakened purchasing power.
Lower- to middle-income borrowers are the most affected. Even if they qualify for a loan initially, sudden changes in income can quickly disrupt repayment schedules. This is where smarter risk assessment at the start becomes essential.
CAAS as a “Filter” at the Start
CAAS helps banks screen applicants more accurately during the pre-approval stage. By combining biometric identity verification, assessing income and tax verification, negative record checks, phone number validation, and other factors, CAAS can detect high-risk borrowers early.
Instead of relying solely on static data, CAAS provides a granular risk score. Banks can then adjust loan terms — such as down payment size or loan tenor — to better match the borrower’s financial profile. This “filter” stage helps prevent high-risk cases from entering the loan portfolio.
What Makes CAAS So Powerful?
CAAS (Customer Automated Acquisition System) is designed to help businesses verify, assess, and approve customers with unmatched speed and accuracy. Armed with six key features, CAAS ensures your onboarding process is secure, compliant, and highly efficient.
- ID Verification: Digital identity proofing system that utilizes the government database, ensuring its accuracy and authenticity, allowing you to comply with the Customer Due Diligence regulation.
- Biometric Verification: An accurate and fast biometric verification system driven by AI that precisely matches biometric data. Listed in NIST publication as one of the most accurate biometric systems in the world in the FRVT 1:1 and 1:N categories.
- Liveness Detection: A system powered by artificial intelligence to detect living from non-living biometric objects. Prevent spoof attack by distinguishing live faces from photos, videos, masks and other attack on various materials with high levels of accuracy.
- OCR (Optical Character Recognition): Extract text automatically from identity cards (KTP) with high-accuracy OCR technology, making data verification and validation faster, simpler, and more reliable.
- Credit Process Analysis: Evaluate comprehensive credit-related data, including income and tax verification, negative record checks, phone number validation, and more. This helps streamline credit risk assessment and enables smarter, data-driven decisions.
- SLIK Automation: Integrate directly with OJK’s centralized credit reporting system to automate and accelerate the process of assessing a customer’s creditworthiness — saving time while improving decision accuracy.
The Bottom Line
CAAS won’t shield the housing market from nationwide economic downturns, but it does reduce structural loan risk through better screening and more accurate borrower assessment. Think of it as a filter that ensures only qualified, lower-risk borrowers are approved from the start.
In a market where KPR defaults are rising, adopting smart tools like CAAS could be the difference between a healthy loan book and one weighed down by bad debt. If you’re ready to streamline your business processes and stay ahead of fraud, get in touch with us today.
CAAS credit risk Customer Automated Acquisition System KPR NPL Non-performing home loans Indonesia 2025
Last modified: August 12, 2025
