Licensing
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Expert guidance for BI, OJK, and AFPI regulatory approvals.
Navigating the Maze
Launching a Fintech or Digital Finance product in Indonesia requires navigating a complex web of regulations from Bank Indonesia (BI), OJK, and industry associations like AFPI.
One wrong step can lead to rejection or months of delay. We act as your regulatory navigators, ensuring your business model is compliant from day one.
100+
Regulatory checkpoints in a standard application.
Market Entry Strategy
🚀 Speed to Market
Launch months earlier than competitors by avoiding common regulatory pitfalls.
💼 Investor Confidence
Licensed businesses attract institutional investors and premium partners who require regulatory approval as a baseline for any collaboration.
⏱️ Accelerated Go-to-Market
Avoid endless rejection cycles from regulators. Our experience ensures your application is right the first time.
🧩 Translation of Legalese
We translate dense regulatory articles (e.g., POJK) into clear, actionable Jira tickets for your engineering teams.
🛡️ Audit Readiness
We pre-audit your systems before the regulators do, ensuring no surprises during the final presentation.
Licenses We Support
Tailored compliance engineering for key Indonesian regulators.
OJK & AFPI (Fintech & P2P)
Comprehensive IT Governance support for P2P Lending, Securities Crowdfunding, and Digital Banks, focusing on POJK regulations regarding risk management, datacenter localization, and required certifications (ISO 27001).
Bank Indonesia (Payment Systems)
Technical compliance for Payment Gateways, E-Wallets, and Remittance services under PBI. We ensure your architecture meets strict BI standards for transaction security, cryptography, and fraud detection.
Bappebti (Crypto Assets)
Specialized cybersecurity assessments for Physical Crypto Asset Traders (Calon Pedagang Fisik Aset Kripto), including rigorous wallet security architecture reviews and continuous monitoring setups.
Kominfo (PSE Registration)
Seamless support for registering your platform as an Electronic System Operator (Penyelenggara Sistem Elektronik) with Kominfo, ensuring basic compliance with national cyber laws.
Our Implementation Roadmap
A structured path to regulatory approval.
Regulatory Mapping & Gap Analysis
We dissect the specific regulations applying to your business model and conduct a deep-dive audit of your current IT infrastructure, policies, and security posture against those rules.
Technical Remediation & Policy Drafting
We don't just point out flaws; we fix them. We help your engineering team implement required controls (e.g., MFA, encryption) while we draft the mandatory IT Master Plans, BCP/DRP, and Risk Registers.
Mandatory Assessments (VAPT/ISO)
Most licenses require third-party validation. We execute the required Penetration Tests (VAPT) and can concurrently guide you through obtaining prerequisite certifications like ISO 27001.
Regulatory Audit Simulation (Mock Audit)
Before you face the regulator, you face us. We conduct a rigorous mock audit, grilling your management team with the exact questions OJK/BI auditors will ask, ensuring you present with confidence.
📦 What You Receive
- IT Master Plan & Strategic Documents: Regulators require multi-year IT roadmaps aligned with business goals.
- Business Continuity Plan (BCP/DRP): Documented disaster recovery scenarios and RTO/RPO metrics.
- Independent Assessment Reports: VAPT reports and IT Maturity Assessments required for submission.
- Presentation Decks: Polished slides for your final presentation to the regulatory board.
- Ongoing Advisory: Support in answering "Surat Tanggapan" (clarification letters) from regulators.
❓ Frequently Asked Questions
Do you handle the legal incorporation (PT)?
No. We are IT Governance and Cybersecurity experts, not a corporate law firm. We handle the crucial technical and risk management requirements of the license. We frequently partner with law firms who handle the notary work.
How long does OJK/BI licensing take?
Preparing the IT infrastructure and documentation takes us 2-4 months. The regulator's review process is entirely dependent on their queue, often taking 6-12 months.
We use AWS/GCP. Is that allowed?
Yes, but with strict conditions regarding data sovereignty and localized backups. We help architect your cloud environment to meet OJK/BI's strict datacenter localization rules.
Accelerate your path to market.
Speak with our regulatory compliance experts today to assess your readiness.
Schedule a Readiness Assessment