Bank Indonesia, OJK & AFPI Licensing Support
Walk into licensing without guessing what the regulator will ask
- Bank Indonesia
- OJK
- AFPI
- Audit Readiness
Digital finance licensing demands evidence of technology, governance, and security readiness that differs with every licence type. We map the requirements, repair the controls, then prepare your documents and your people for assessment.
What you receive
- Requirement matrix with fulfilment status
- Gap assessment report and remediation plan
- Submission-ready licensing document pack
- IT risk management framework, BCP, and DRP
- Direct support throughout the assessment
Why this matters now
Digital finance supervisors assess evidence they can examine, not plans they are promised. Requirements differ by licence type, so copying another company's documents leads straight to a request for revision.
Every licence type carries its own requirement list
The provisions for peer-to-peer lending providers, payment service providers, and bank IT operations sit in different frameworks.
Technology readiness is judged together with governance
Regulators examine policies, responsibility structures, IT risk management, business continuity plans, and security testing results as a single whole.
Consistency between documents is the main concern
Mismatches between policy, procedure, and evidence of practice are the most common finding. Documents should start from what actually happens.
Signs your organisation needs this
- Policy and procedure documents are incomplete or contradict each other
- Business continuity and disaster recovery plans have never been tested
- There is no independent security testing result available
- The team has never faced a supervisory interview or site visit
Any one of these is reason enough to start the conversation early.
What we cover
Regulatory Readiness Assessment
Measuring readiness against the BI, OJK, or AFPI requirements that apply to you.
Licensing Documentation
Policies, procedures, and supporting evidence in the regulator's expected format.
Information Security Readiness
Meeting electronic system security requirements and evidencing the test results.
IT Risk Management
Technology risk framework, BCP, and DRP that match supervisory expectations.
Assessment Support
Preparing your team and rehearsing the regulator interview.
Finding Remediation
Remediation plans and tracking each finding through to closure.
Clear stages, with no surprises along the way
Every stage has agreed deliverables, so progress is never in question.
- 01
Requirement Mapping
Identifying the provisions that apply to your business model.
- 02
Gap Assessment
Comparing current conditions against the licensing requirements.
- 03
Remediation
Fixing the controls, processes, and documentation that fall short.
- 04
Documentation
Finalising the submission pack and its supporting evidence.
- 05
Assessment Support
Standing with you through the assessment and the response to findings.
The standards and regulations we work from
Every recommendation traces back to the references below and can be verified independently.
- OJK regulationsPOJK provisions on peer-to-peer lending and IT operations by commercial banks.
- Bank Indonesia regulationsRules for payment service providers and their system security obligations.
- AFPI guidelinesAssociation requirements for peer-to-peer lending fintechs.
- ISO/IEC 27001:2022The supporting information security management framework.
- ISO 22301Business continuity management, the reference for BCP.
Success indicators
Agreed upfront so the work is judged objectively rather than by impression.
- Completeness of the applicable requirement matrix
- Number of assessment findings and requests for further explanation
- Time to close the follow-up action on each finding
- Document readiness when the regulator asks for additional evidence
Terms that come up in these discussions
The vocabulary you will meet in documents, reports, and conversations with auditors.
- Regulatory Readiness Assessment
- An assessment of organisational readiness against every licensing requirement before the formal submission is made.
- BCP & DRP
- Business Continuity Plan and Disaster Recovery Plan — the plans for sustaining service and restoring systems during a major disruption.
- IT Risk Management
- The process of identifying, assessing, and controlling technology risks that could disrupt service or compliance.
- Finding Remediation
- The improvement plan for supervisory findings, with owners, deadlines, and evidence of completion.
The questions we hear most
Still unanswered? Send your question and our team will reply on a working day.
Often delivered together
Integrated Cyber Security & Compliance Services
Building the information security management system behind the certificate: ISO 27001, IT governance, risk management, and compliance frameworks.
Read moreVulnerability Assessment & Penetration Testing (VA/PT)
Testing web, mobile, API, network, server, and cloud assets the way a real attacker would, then proving the impact under controlled conditions.
Read moreManaged Security Operations Center (SOC)
Round-the-clock monitoring that detects, analyses, and responds to incidents across your entire digital infrastructure.
Read more
Ready to build stronger security?
Talk your organisation's needs through with our team. Free, and without obligation.