The workflow platform Indonesian lenders run on.
1nFlow builds the vertical banking products Indonesian lenders run on — loan origination, collateral appraisal, collections, treasury and CDD on one BPMN/DMN engine — and the consulting practice that gets them live.
One workflow engine. Every product.
Every vertical runs on the same BPMN/DMN core — orchestration, decisioning and a signed audit trail. Change a workflow in the BPMN designer; no Java change required.
Anthropic Claude drafts the 5C analysis in seconds; the credit officer reviews, edits and signs. AI never makes a binding decision (POJK 4/2022).
Five verticals, one core.
Buy one module or the whole platform — each shares the engine, the data model and the compliance posture.
1nFlow-LOS
Complete loan origination — UMKM, KPR, KKB, Multiguna and KUR. An eight-stage BPMN workflow from RM intake to BI-Fast disbursement, audited at every decision.
- 8-stage BPMN origination — editable, no code change
- POJK compliance built in (KYC, SLIK, BMPK, DBR)
- AI credit narrative — 5C draft, advisory only
1nFlow-Appraisal
Every collateral valuation through one pipeline — KJPP and internal appraisers, mobile field capture, comparable analysis and signed reports. POJK 17/2020 + SPI 2018.
- MAPPI directory — 80+ KJPPs by tier & region
- Offline mobile capture — GPS photos, BPKB/SHM OCR
- Three SPI-2018 valuation methods
1nFlow-Collections
An NPL workflow engine with multi-channel campaigns and restructuring — recover more, earlier, with a full audit trail.
- NPL workflow & strategy engine
- WhatsApp · SMS · voice campaigns
- Restructuring & R/R workflows
1nFlow-Treasury
Liquidity, GAP analysis and BMPK monitoring for mid-tier banks — the numbers OJK asks for, on time.
- Liquidity & cashflow ladder
- Interest-rate GAP analysis
- BMPK / large-exposure monitoring
1nFlow-CDD
Standalone KYC and customer due diligence with PEP screening and AML transaction monitoring.
- KYC / CDD / EDD workflows
- PEP & sanctions screening
- AML transaction monitoring
Core-grade workflows, without core-grade pricing.
Built for Indonesian lenders who need modern, compliant workflows in weeks — not multi-year programs.
A fraction of core pricing
Modern, compliant workflows without enterprise core-banking license fees.
Live in weeks, not years
A focused, milestone-driven rollout — not a multi-year core replacement.
Compliance in the box
POJK, UU PDP and PP 71/2019 data sovereignty — not bolted on later.
Yours to change
Edit workflows in the BPMN designer; configure decisions in DMN. No vendor lock on every change.
Built for Indonesian lenders.
BPR & BPD
Rural and regional banks modernizing origination without enterprise pricing.
Commercial banks (KBMI 1–4)
Vertical workflows alongside or in front of the core.
Multifinance & leasing
Vehicle, equipment and consumer financing pipelines.
Fintech lending
Compliant origination and decisioning that scales with volume.
Cooperatives (Koperasi)
Member lending with audit-grade workflows.
Agritech lenders
Field-first appraisal and origination for rural collateral.
And the practice that gets it deployed.
Software is half the story. Our engineers integrate it with your core, your data and your regulators.
Digital transformation
Core-banking modernization, process redesign and migration off legacy.
Cloud & on-prem
AWS, GCP and Alibaba Cloud Indonesia, or on-prem virtualization for data sovereignty.
Cybersecurity
POJK 11/2022-aligned security architecture, hardening and audit readiness.
IoT & edge
Branch, ATM and field-device integration where the workflow needs it.
Custom engineering
Spring Boot · PostgreSQL · React — built and operated to your SLAs.
Integration
Dukcapil, SLIK iDeb, BI-Fast, DJP and your core — clean contracts.
Built to be trusted from day one.
Engineered for Indonesian financial services — audit-grade, compliant, and yours to operate.
See 1nFlow on your portfolio.
Tell us your products and volumes — we'll show you the workflow live, not a slide deck.