We make a vertical-product platform for banking workflows — origination, collateral appraisal, collections, treasury, due diligence — and we run the consulting practice that gets it deployed: digital transformation, cloud and on-prem infrastructure, IoT. One company, two halves of the same engagement.
Each product is a complete vertical — but they share one workflow engine, one identity layer, one audit log, one compliance posture. Buy 1nFlow-LOS today and the same architecture runs your collections, treasury, and CDD when you're ready.
UMKM · KPR · KKB · Multiguna · KUR. POJK-compliant origination from intake to disbursement.
KJPP eksternal + internal pipeline. POJK 17 + SPI 2018 compliant. Mobile field capture, revaluasi tracker.
Soft + hard collections. Restructuring, DPK migration, repossession workflows. WhatsApp / SMS / call orchestration.
Liquidity, GAP analysis, BMPK monitoring, money-market positions. Integrated with core banking.
Standalone KYC/CDD module. PEP screening, AML transaction monitoring, STR generation. POJK 12/2017.
A complete loan origination system covering UMKM, KPR, KKB, Multiguna, and KUR. Eight-stage BPMN-orchestrated workflow from RM intake to BI Fast disbursement, with audit trail on every decision.
Manage every collateral valuation through one pipeline — KJPP eksternal + internal appraisers, mobile field capture with GPS-tagged photos, comparable analysis, senior review, signed reports. POJK 17/2020 + SPI 2018 compliant.
An NPL workflow engine that orchestrates soft collection, hard collection, restructuring, and repossession through a single audit-logged pipeline. WhatsApp, SMS, voice, and field visit channels — coordinated rather than chaotic.
Treasury & ALM for tier-2 banks and BPRs that need real-time visibility into liquidity, GAP, and BMPK without buying a tier-1 treasury system. Integrated directly with your core banking and 1nFlow-LOS pipeline.
A standalone Customer Due Diligence module for institutions that need POJK 12/2017-grade KYC/CDD without committing to a full LOS or core banking change. Plug it into your existing channels via REST.
Software alone doesn't change a bank. Most of our customers buy 1nFlow products together with the consulting engagement that operationalizes them — and a meaningful share buy the consulting on its own, with someone else's software underneath. We do both, and we don't pretend otherwise.
Operating-model redesign, core-banking modernization, regulatory tech roadmaps. We don't sell PowerPoints — we build to a working pilot in 12 weeks, then walk customers through scaling.
Indonesian banks live under PP 71/2019 data sovereignty. We architect for OJK reality — sometimes that's AWS Jakarta, sometimes it's Lintasarta, sometimes it's a Proxmox cluster in your own DC. We pick what fits.
Sensor fleets, fleet telematics, supply-chain telemetry, agritech monitoring. Edge gateways, MQTT brokers, time-series ingest, dashboards your operations team will actually open.
POJK 11/2022 compliance, ISO 27001 certification path, penetration testing, SOC ramp-up. Pragmatic security for institutions that need to pass an OJK on-site exam in 90 days.
Operating model, regulatory advisory, change management. The work that decides whether the technology actually changes how your bank runs — or sits unused next to the system it was supposed to replace.
When 1nFlow's verticals don't fit, we build. Boring technology choices on purpose — Spring Boot, PostgreSQL, React, Kotlin/Swift mobile. Source available, escrow optional, your team can take it over.
We've watched too many bank transformation projects spend months in workshops before anything runs in production. We start by building the smallest thing that matters and showing it to your credit officer in week 4.
Two weeks shadowing your credit officers, COO, and IT lead. We map the workflow your bank actually runs — not the one in your SOP binder.
Two weeks. Target operating model, technology architecture, integration points, compliance posture. We pick the smallest thing that proves the approach.
Configurable products go live in week 4. Custom builds in week 6. Either way, your credit officer is clicking through the pilot before the engagement is half over.
Most engagements include a managed-operations year — your team can take it over any time, but they don't have to on day one. We answer the pager.
We don't publish customer names without permission. These are anonymized profiles — same shape as engagements we've delivered, with identifying details removed.
"We replaced an Excel-based credit pipeline with a real LOS in eleven weeks. First UMKM disbursement on the new system happened in week 8."
"Telematics integration plus appraisal automation. Our field officers stopped emailing photos and started uploading them through the app. Audit packs went from 3 days to 30 minutes."
"Strangler-fig migration from a legacy AS/400 core. Six modules moved over twelve months. Branch operations never went offline. OJK examiners had nothing to flag."
"Twelve production lines instrumented in six weeks. OEE dashboard live before the second batch of sensors finished arriving. Plant manager checks it on his phone now."
"We didn't have a budget for tier-1 software and didn't want to maintain a tier-3 hack. 1nFlow-LOS configured for koperasi rules gave us the workflow without the price tag."
"Started as just the appraisal module — KJPP coordination over WhatsApp was killing us. Within six months we'd added the LOS and CAMS. The path made itself."
A 30-minute working session at your office. No slides. We come with 1nFlow loaded with one of your applications, your credit officer drives, and you decide whether you want a second meeting.
If a form is the wrong shape for what you want to ask, just write to Santo. Read every message himself.
Drops you straight into a WhatsApp thread with us. Faster than email.