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 are investable businesses. Secure your Series A with a clean legal bill of health.
🏛️ Regulatory Relationship
Start on the right foot with OJK/BI. We help you build a reputation as a compliant player.
Licensing Scope
We cover the full spectrum of digital finance.
Payment Services (PJP)
Licensing for Payment Gateways, E-Wallets, and Remittance companies under Bank Indonesia's PJP framework.
P2P Lending
Registration and licensing for Peer-to-Peer Lending platforms with OJK (POJK 10/2022) and AFPI membership.
Digital Innovation (IKD)
Regulatory sandbox submission for new business models like Credit Scoring, Aggregators, and E-KYC providers.
Supporting Tech
Compliance for technology vendors (SNAP) supporting financial institutions.
Our Methodology
From application to approval.
Gap Assessment
We review your business model and tech stack to see if it fits the regulator's requirements.
Document Prep
We help draft the hundreds of pages required: Feasibility Studies, SOPs, Risk Management Policies.
Submission & Audit
We submit the dossier and support you during the on-site audit by the regulator.
Post-License
Compliance doesn't stop at the license. We help with quarterly reporting and ongoing compliance.
📦 What You Get
- Licensing Strategy: The best path to approval.
- Full Documentation Suite: All required SOPs and manuals.
- Audit Support: Mock audits to prepare your team.
- Regulator Correspondence: We handle the Q&A.
- The License: The official approval letter.
❓ Frequently Asked Questions
How long does it take?
It varies wildly. P2P can take 1+ year. PJP can take 6-12 months. We help speed it up by avoiding errors.
Do we need a local entity?
Yes, almost all financial licenses require an Indonesian PT (Perseroan Terbatas).
Can you guarantee approval?
No one can guarantee the regulator's decision. But we guarantee your submission will be perfect.