Sector advisory
Fintech Advisory in Indonesia
Nata Advisory helps fintech founders, operators and investors navigate P2P lending, digital lending and payment licence pathways, OJK supervision and transactions in Indonesia.
Discuss your requirementsWho we help
Our work is designed for digital lenders, payments businesses, financial platforms, investors and established companies entering or expanding in Indonesian fintech.
How we can help
Digital lending and payment licence strategy
Map the business model to LPBBTI or pindar, payment licence, multifinance and other relevant permissions, readiness requirements and regulatory engagement.
OJK supervision and compliance
Develop practical governance, policy and operating frameworks aligned with the company’s stage, activities and supervisory expectations.
Market entry
Assess the competitive landscape, partnership options, operating model and route to the Indonesian market.
Capital and transactions
Support fundraising, strategic partnerships, acquisitions and other growth transactions.
When to speak with us
- A fintech founder needs to test a business model against Indonesia’s regulatory environment.
- An international platform is evaluating entry, partnership or investment options.
- An operator is preparing for licensing, supervisory engagement or a compliance review.
- An investor needs commercial and regulatory context before a fintech transaction.
Our approach
- 1
Understand the model
Review products, customer flows, revenue model, technology and intended partnerships.
- 2
Map the landscape
Assess competitors, regulatory touchpoints, licensing needs and material constraints.
- 3
Build the pathway
Prioritize actions across strategy, governance, documentation and stakeholder engagement.
- 4
Support execution
Coordinate the selected workstreams through launch, transaction or regulatory milestone.
An Indonesia-focused perspective
Indonesia’s fintech regimes depend on the activity. Peer-to-peer lending operators generally fall within the LPBBTI framework, commonly described as pindar, under OJK supervision; payment services are overseen by Bank Indonesia; and multifinance activities follow a separate OJK-regulated pathway.
The relevant POJK framework can shape governance, operating readiness, reporting and consumer-protection expectations for a P2P lending licence or digital lending licence. We assess the current qualitative requirements for the specific model and coordinate formal legal advice where needed, without assuming that one licence covers every product.
Related advisory expertise
Discuss an opportunity in confidence
Tell us what you are considering and where you need support. Our Jakarta team will respond directly.
Contact Nata Advisory