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The abstract should summarize the contents of the paper and should contain at least 70 and at most 200 words. It should be set in 9-point font size, Non Performing Loan (NPL) of conventional bank in Indonesia occur because customer credit risk assessment carried out by banks is 80% of prospective customers do not have credit history and 20% of the market for very competitive credit and low margin for customers. PT.TS has a target customer Credit Scoring for the beginning of 2018 until the end of 2019 is 90 customers and in 2018, PT.TS has 10 customers. Customers who provide revenue for PT.TS in using Credit Scoring as targeted there are 6 customers, above the target there are 3 customers and below the target there is 1 customer. The stages, perceptions and experience of the customer is a journey from the customer to consider and decide to use or not use Credit Scoring from PT. This study aims to identify the factors that influence the customer journey as experience of PT. Credit Scoring customers. This study aims to identify the factors that influence the customer journey as experience of PT. Credit Scoring customers. Customer Journey Mapping (CJM) is a tool that used to help companies better understand each step taken by customers, think of all stages of customer experience and the number of touchpoints between companies and customers (Hong, 2016). This research is a qualitative exploratory study that aims to understand the phenomenon of what is experienced by objects (Moleong, 2017). The research was conducted by depth interview, observation and documentation study about the object of research. The 3 main processes of the customers decision to use credit scoring are pre purchase, purchase and post purchase. Pre purchase focuses on recognition, consideration and search. Purchase focuses on choices, ordering and payment. Post purchase focuses on consumption, usage, service usage and demand agreements. Resource for depth interviews in this study consisted of 3 institutional or financial institutions, which were the first customers of innovators to use credit scoring PT. 2018, both banks and loan companies.