Fintech & P2P Lending Systems
Fintech lending platforms require robust technology infrastructure: loan origination systems for application processing, credit scoring engines for risk assessment, and collection systems for automated billing. Integration with core banking, payment gateways, and credit bureaus is key. Arunika Consulting helps fintechs choose and implement the right technology stack.
Compliance Warning
This industry is considered high risk and may receive closer attention from tax authorities. Professional tax consultation is strongly recommended.
Technology Challenges
Multi-System Integration
Fintechs must integrate with partner banks, credit bureaus, e-KYC providers, and payment gateways.
Credit Scoring Accuracy
Credit scoring models must be accurate to suppress NPL without being too strict in rejecting viable applications.
Collection Automation
Automated billing via multi-channel (SMS, WhatsApp, email) with appropriate escalation.
Our Technology Solutions
Loan Management System
Implementation or integration of scalable loan origination, disbursement, and repayment systems.
- Fast process
- Minimal errors
- Scalable
Credit Scoring Integration
Setup integration with credit bureaus and development of ML-based internal scoring models.
- Low NPL
- Optimal approval rate
- Measured risk
Automated Collection
Reminder and automated collection systems with escalation based on aging buckets.
- Increased collection rate
- Team efficiency
- Good customer experience
Related Tax Regulations
POJK 10/2022
Information Technology-Based Lending Services
OJK regulation governing technology standards, data security, and fintech lending reporting.
PBI Data Protection
BI Regulation on Consumer Data Protection
Security and customer data protection standards in fintech systems.
ISO 27001
Information Security Standard
Information security certification required for fintech lending.
Need Technology Solutions for Fintech & P2P Lending Systems?
Consult your business technology needs with our expert team. Free initial consultation.
Free Consultation via WhatsAppFintech & P2P Lending Systems Consulting Services Across Indonesia
We support clients in major Indonesian cities. Find a location-specific service page for your area.
Bali
Banten
Daerah Istimewa Yogyakarta
Jawa Tengah
Jawa Timur
Kalimantan Barat
Kalimantan Selatan
Kalimantan Timur
Kepulauan Riau
Riau
Sulawesi Selatan
Sulawesi Tengah
Sulawesi Tenggara
Sulawesi Utara
Sumatera Utara
Sumatra Selatan
Frequently Asked Questions
What systems does fintech lending need?
Minimally: LOS (loan origination), LMS (loan management), credit scoring engine, payment gateway integration, and collection system.
How to integrate with credit bureaus?
API integration with SLIK OJK or private credit bureaus for real-time credit history checks of potential borrowers.
Is ISO 27001 certification necessary?
OJK requires strict information security standards. ISO 27001 is one way to demonstrate compliance.
Will system migration disrupt daily operations?
We usually use a parallel-run approach so the old and new systems operate together during transition, reducing downtime and data risk.
Can accounting software connect to POS and bank data automatically?
Yes. We design API and import workflows for POS, marketplaces, and bank statements to reduce manual entry and reconciliation errors.
Which software is best for my industry?
The right choice depends on transaction volume and complexity. We assess your workflow before recommending cloud accounting, POS, ERP, or dashboard tools.
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