We architected a high-scale, OJK-compliant supplier financing ecosystem in Indonesia. Featuring a real-time risk engine, the platform processes credit approvals in seconds for thousands of businesses.
The Challenge
Democratizing Business Credit
For suppliers in Indonesia, liquidity is the lifeblood of growth. AwanTunai sought to bridge the credit gap by providing instant business loans. The requirement was a 'Trust Machine' — a platform that could satisfy institutional lenders and government regulators (OJK) while serving thousands of vendors.
The Engineering Journey
Architecting for High Stakes
We led the engineering team to build a proprietary triple-engine platform. Because this involved financial transactions and sensitive data, we utilized Java Spring for its robust security and ACID-compliant transaction handling. A major part of the project involved migrating years of inconsistent legacy data into a modern, high-integrity database.
Key Features
Technical Innovation
Real-Time Risk Engine
We built the recommendation criteria from scratch, allowing the system to analyze supplier profiles and grant loan approvals within seconds.
3-Sided Ecosystem
Designed custom interfaces for Suppliers (ERP & Financing), Internal Risk Teams (Validation Dashboard), and Capital Lenders (Automated Disbursement).
Regulatory Compliance
Every layer of the architecture was built to be OJK compliant, ensuring data residency, encryption, and auditability standards were met.
The Outcome
The Business Impact
AwanTunai now operates as a pillar of Indonesian fintech infrastructure. By automating the underwriting and disbursement process, we eliminated the bottlenecks of traditional banking, empowering suppliers to scale their inventory in real-time.
“For AwanTunai, the non-negotiable was Java Spring — in regulated fintech, ACID compliance and battle-tested security primitives are not optional extras. We built the risk engine on a foundation that auditors and the OJK could trust at every layer.”
Rohit
Founder, Silicon Tech Solutions
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