In the previous article, we discussed the major change introduced by the OJK Board of Commissioners Decree (KEP ADK OJK) Number KEP-4/D.01/2026, which accelerates the reporting timeline for paid-off credit or financing facilities to a maximum of H+3 business days. This policy represents OJK's strategic move to enhance SLIK data quality and build a more credible Credit Reporting System. However, behind this regulatory shift lies a much greater challenge for Financial Services