Mayapada Group fintech company adopts Oradian’s digital-native core banking and loan management system to support expansion, faster product innovation, and scalable growth.

Indonesia’s digital lending sector is entering a new stage of maturity. For fast-growing lenders, the challenge is no longer simply acquiring customers or increasing loan volumes.

It is building the operational infrastructure needed to scale sustainably while maintaining flexibility, visibility, and regulatory readiness.

This shift is driving growing demand for modern lending infrastructure across the Indonesian market, particularly among institutions looking to accelerate growth without compromising operational control or auditability.

Against this backdrop, Pohon Dana, a Mayapada Group fintech pillar and leading Indonesian digital financial services provider, has selected Oradian’s digital-native core banking and loan management system to support the next phase of its lending and operational growth in Indonesia.

Pohon Dana supports individuals and MSMEs across Indonesia through technology-enabled financial services designed to simplify access to credit while maintaining strong standards around security, governance, and ethical lending practices.

As the company continues expanding its lending operations, its focus is on scaling efficiently, accelerating product innovation, and increasing operational flexibility to meet rapidly evolving customer and market demands.

At the same time, Pohon Dana is strengthening operational control, improving auditability, and maintaining alignment with Indonesia’s evolving regulatory environment as it builds a scalable foundation for long-term growth.

For many Indonesian lenders, legacy systems increasingly create operational bottlenecks as organisations scale.

Product launches become slower, reporting requirements become harder to manage, and fragmented systems can limit visibility across operations.

At the same time, expectations from regulators, customers, and investors continue to rise.

Pohon Dana’s selection of Oradian reflects a broader market trend toward digital-native infrastructure designed specifically for high-growth lending environments.

By partnering with Oradian, Pohon Dana gains access to a platform built to support rapid operational expansion while enabling faster product development and greater adaptability.

Oradian’s architecture provides financial institutions with the flexibility needed to respond quickly to changing customer needs, evolving market conditions, and new business opportunities, while maintaining the operational transparency and reporting capabilities required in regulated financial environments.

The flexibility of the platform also gives Pohon Dana a stronger foundation to experiment with new digital lending models, automate operational processes, and adopt AI-driven capabilities as the Indonesian financial services market continues evolving.

The platform also enables institutions to adopt emerging technologies and AI-driven capabilities more effectively as digital lending models become increasingly data-driven and customer expectations continue evolving.

“Indonesia’s digital lending market is entering a new phase where growth alone is no longer enough. Institutions are now being evaluated on how well they can scale while maintaining operational control, governance, and regulatory readiness,”

said Antonio Separovic, CEO of Oradian.

“Pohon Dana represents the kind of forward-looking financial institution we believe will define the next generation of financial services in Indonesia. This partnership is a strong validation of the growing demand for modern, cloud-native lending infrastructure built specifically for regulated growth environments.”

For Indonesian fintechs and digital lenders, the partnership also signals increasing confidence in globally proven technology platforms capable of supporting local market complexity and regulatory expectations.

As institutions across the country continue modernising their technology stacks, scalability, configurability, speed-to-market, and operational visibility are becoming key competitive differentiators.

“Oradian provides us with the flexibility and scalable functionality we need to strengthen our operations and support our next phase of business expansion,”

said Fina Valentin, CEO of Pohon Dana.

“We were looking for a partner that understands high-growth lending environments and can support strong governance, compliance, reporting, and operational control in line with OJK expectations. As we continue scaling our MSME lending operations, having a modern loan management system that can evolve with us while maintaining security and auditability is critical.”

The partnership reflects the broader transformation underway across Indonesia’s financial sector, where institutions are increasingly investing in digital infrastructure that enables both rapid innovation and stronger operational foundations.

With digital lending competition intensifying, institutions that can launch products faster, scale more efficiently, and maintain strong operational oversight are likely to be best positioned for long-term growth.

This milestone also reinforces Oradian’s long-term commitment to Indonesia and its focus on supporting financial institutions driving innovation and financial inclusion across emerging markets.

Featured image credit: Edited by Fintech News Indonesia, based on image by Pohon Dana