Core banking, reengineered for Indonesia.
Quantume is an AI-native, cloud-native core banking platform built for Indonesia's BPR, BPRS, BPD and digital banks. OJK-compliant by design, deployable as managed SaaS or fully sovereign on-premise — a modern foundation for the country's next generation of banks.
- OJK-aligned
- POJK 75/2016
- UU PDP
- Multi-tenant isolation
AI Credit Decision
LiveSiti Rahmawati
Working-capital loan · Rp 180.000.000
Recommendation
Approve
Confidence
94%
Built for Indonesian banking compliance
- OJK-aligned
- POJK 75/2016
- POJK 11/2022
- UU PDP
- Multi-tenant isolation
- On-premise portable
01 / THE SHIFT
Legacy core banking wasn't built for what comes next.
The systems running most Indonesian banks were designed decades ago — expensive to license, slow to change, and unable to take advantage of AI. Quantume is engineered for a different reality.
Costly licences and long, risky upgrade cycles
Cloud-native economics, continuous delivery
Hard-coded products; every change is a project
A parameterized product factory — change terms, not code
Bolt-on analytics, no native intelligence
AI designed into the platform, not added later
Compliance retrofitted after the fact
OJK-aligned and auditable by design
Single-vendor cloud or rigid on-premise
Managed SaaS or sovereign on-premise — your choice
02 / PLATFORM
Six banking domains. One lean, coherent core.
Quantume runs the full banking lifecycle as a focused set of domains — not a sprawl of brittle modules. Each is parameterized, auditable, and built on a single double-entry foundation.
Customers
CIF
A single, authoritative customer record (CIF) across every product and channel — the trusted source of identity for the whole bank.
Accounts & Ledger
CASA · Deposito · Giro
Savings, time deposits and current accounts on top of a bank-wide double-entry general ledger and posting engine that is always in balance.
Payments & Teller
Transactions
Everyday transactions and full teller operations, posted straight through to the ledger with immutable traceability.
Lending & Collateral
Loans · BMPK · DPD
Loan origination and servicing with collateral, BMPK limits and kolektibilitas / DPD classification handled to regulatory standard.
Product Factory
Parameterized
Define products per family through validated, JSON-Schema-backed parameters — launch and tune savings, deposito, giro and loan products without rebuilding the core.
Identity & Audit
RBAC · Licensing
Authentication, role-based access, licensing and an immutable audit and activity log on every state change across the platform.
03 / AI-NATIVE
Intelligence designed into the core — not bolted on.
Quantume is built around AI from the architecture up. These capabilities are designed into the core and roadmap, so the platform can assist officers in ways legacy cores were never structured to.
Intelligence layer · real-time
An operations copilot grounded in your own ledger.
A natural-language assistant for staff across day-to-day banking operations — answering from the bank's real data and policy, with redaction and consent paths in line with UU PDP.
- Fraud pattern detection
- NPL early-warning
- AML anomaly detection
- Reg-watch OJK rule tracking
Credit scoring
More consistent credit decisions grounded in the bank's own data.
Early-warning signals
Surface portfolio risk and deteriorating loans before they reach default.
Regulatory-watch
Track changes to OJK rules and flag what affects the bank.
Document & KYC intelligence
Extract, validate and reconcile customer documents to speed up onboarding.
These AI capabilities are designed into Quantume's architecture and delivered progressively by module — not a fixed, all-live feature count. Personal data is handled with redaction and consent paths in line with UU PDP.
04 / COMPLIANCE & TRUST
OJK-compliant by design — and provably so.
Compliance isn't a module in Quantume; it's the foundation. Every state change is recorded, every report aligns to regulation, and your data stays where it must.
OJK-aligned reporting
Reporting structured to OJK requirements, including POJK 75/2016 and POJK 11/2022, so submissions reconcile to the ledger.
Immutable audit trail
Every state change writes a tamper-evident audit record — complete, queryable, and ready for examination.
Data residency & sovereignty
Keep data within Indonesia and within your control, with sovereign on-premise deployment when required.
10-year retention
Retention aligned to POJK 75/2016, with records preserved and accessible for the full regulatory window.
UU PDP alignment
Personal data handled with redaction and consent paths consistent with Indonesia's personal data protection law.
Bank-grade isolation
Each bank's data is strictly isolated by design, so tenants are never able to see one another's records.
05 / DEPLOYMENT
Run it as a service, or run it yourself.
Quantume meets your operating model — fully managed in the cloud, or sovereign on your own infrastructure — with no managed-cloud lock-in either way.
The opportunity
1,600+
BPR, BPRS, BPD & digital banks across Indonesia — the market we're built for
6
Lean banking domains in one coherent core
Day 1
OJK compliance by design
Managed SaaS
Quantume runs and operates the platform for you — multi-tenant, continuously updated, and compliant out of the box. Fastest path to launch.
- Operated and updated by Quantume
- Bank-grade tenant isolation
- Elastic, cloud-native scaling
Sovereign on-premise
Deploy Quantume entirely within your own data centre or private cloud, keeping full control of data and infrastructure.
- Runs in your environment
- Full data residency & control
- No managed-cloud lock-in
Cloud-portable by design
The same platform runs across conformant infrastructure, so you are never tied to a single cloud provider.
06 / WHY NOW
Indonesia's banks are modernizing — this is the moment for a new core.
A rare alignment of regulation, market structure and technology makes now the right time to rethink the core that runs a bank.
A digitalization push
OJK's modernization agenda and the drive to digitalize BPR, BPRS and BPD are raising the bar on systems, reporting and resilience across the sector.
Consolidation pressure
Sector consolidation and tighter capital and governance expectations reward banks that can run leaner, integrate faster, and report with confidence.
The shift to AI-native
Operations are moving from manual and bolt-on analytics to AI-native workflows — a shift legacy cores were never designed to support.
This section is a template. Replace the names, roles and bios below with your founding team. Do not publish until completed — the content here is illustrative only.
[Founder Name]
Co-founder & CEO
[One line on background — e.g. years in Indonesian banking, prior roles, what they lead at Quantume.]
[Founder Name]
Co-founder & CTO
[One line on background — e.g. core banking / platform engineering experience and what they own technically.]
[Founder Name]
Co-founder & Head of Compliance
[One line on background — e.g. OJK / regulatory and risk experience relevant to BPR / BPRS / BPD.]
See Quantume running on your bank's terms.
Book a walkthrough with our team. We'll show the platform, the AI-native architecture, and how Quantume maps to your compliance obligations.
No commitment — a focused conversation about your core banking roadmap.