Amar Bank, an Indonesian digital banking institution, is revolutionizing the financial landscape. Registered and monitored by OJK, the bank offers fintech-based services, bridging the gap for unbanked and underbanked individuals and SMEs. Amar Bank provides seamless, secure, and inclusive financial solutions, including retail banking and flexible loan services.
Tunaiku is a digital lending platform, a product of PT Bank Amar Indonesia Tbk. It offers fast, unsecured online loans with limits up to IDR 20 million. Operating since 2014, Tunaiku serves customers across Indonesia, providing financial solutions in a secure and reliable manner.
Challenge: Building a compliant digital lending engine for the Indonesian market
Amar Bank needed a robust loan management system capable of processing high volumes of unsecured consumer loans through its Tunaiku platform — all while meeting the regulatory requirements of Indonesia’s Financial Services Authority (OJK). The system had to handle real-time credit scoring, automated disbursement, and repayment tracking across a growing customer base.
Result: Scalable lending platform serving millions of Indonesian customers
Codelive built the core loan management back-end using our TimeMachine system, enabling Amar Bank to process loan applications end-to-end with automated credit decisioning. The platform supports Tunaiku’s full lending lifecycle — from application intake and scoring to disbursement and collections — and scales to handle the growing demand for accessible digital financial services across Indonesia.
