Halo Indonesia! Keunggulan Sistem Core Banking Oradian

Platform Oradian mendukung jutaan transaksi harian untuk ritel, korporat, dan credit lines. Core banking adalah inti dari solusi kami—kami menggabungkan teknologi modern dan kinerja tinggi dengan fleksibilitas, perhatian, serta kolaborasi yang membuat kami berbeda di industri ini.

Pendekatan Oradian lebih dari sekadar teknologi. Kami memahami bahwa kesuksesan sangat bergantung pada kolaborasi yang mendalam dan pemahaman akan kebutuhan unik setiap klien kami.

What is a core banking system?

In today’s fast-moving world in which customer expect better and faster service than ever before, financial institutions need efficient, scalable, and secure banking infrastructure. A core banking system (CBS) is the backbone of any bank or financial institution, enabling real-time transaction processing, account management, and seamless banking operations. But what exactly is a core banking system, and why is it so critical to have the right system?

How does a core banking system work?

A core banking system is a centralised software solution that manages a bank’s most fundamental operations, including:

• Customer accounts (savings, checking, loans, and more)
• Transactions and payments
• Interest calculations
• Compliance and reporting
• Loan processing
• Digital banking services (mobile apps, internet banking, etc.)

What are the benefits of a cloud core banking system?

With a cloud-based core banking platform, financial institutions can move away from legacy systems and gain the flexibility to innovate and scale. This is especially important for core banking systems in dynamic markets like Indonesia’s, where financial institutions are required to rapidly digitalise to meet growing customer demands.

While traditional and home-built core banking systems are often expensive, difficult to upgrade, and require extensive on-premise infrastructure, a cloud-based solution offers several advantages:

1. Scalability and flexibility

Cloud-based core banking systems allow financial institutions to scale operations easily as they grow. Whether expanding into new markets or adding new financial products, cloud technology makes adaptation seamless. In regions like Indonesia, cloud-based core banking platforms support financial institutions in reaching underserved markets and enhancing financial inclusion.

2. Cost efficiency

With a SaaS-based core banking system, banks and financial institutions can significantly reduce capital expenditure on IT infrastructure while benefiting from predictable operational costs.

3. Security and compliance

A modern cloud core banking solution is designed with built-in security features, encryption, and compliance mechanisms to meet international and local banking regulations. In Indonesia, financial institutions must comply with regulations set by Bank Indonesia (BI) and the Financial Services Authority (OJK), making compliance a key factor in choosing the right core banking system Indonesia.

4. Faster innovation and digital transformation

Cloud core banking enables rapid deployment of new financial products, digital lending services, and mobile banking solutions, ensuring financial institutions stay competitive in an evolving market. The demand for digital banking solutions in Indonesia continues to rise, making cloud-based banking platforms a vital component of modern banking strategies.

How to choose the right core banking system?

Selecting the right core banking software is a crucial decision. Here are some key factors to consider:

• Cloud-native vs. on-premise: A cloud-native system provides agility and cost savings compared to on-premise solutions.
• APIs and integrations: Ensure seamless integration with payment gateways, fintech partners, and third-party services.
• Security and compliance: Your CBS should meet local and international banking regulations, including those set by Indonesian financial regulators.
• Scalability: Look for a solution that grows with your business needs.
• Support and partnership: Technology alone is not enough. You need a trusted banking technology partner to guide your digital transformation.

Check out our build or buy report to find out more.

Why local expertise matters in core banking

While technology is essential, success in digital banking depends on more than just software. Local market understanding, compliance expertise, and a long-term strategic partnership are key to ensuring a smooth transition and sustained growth.

At Oradian, we go beyond providing a cloud core banking system – we are your trusted partner in financial innovation. With deep industry knowledge and a commitment to empowering financial institutions, we help you navigate the complexities of digital transformation with confidence.

Ready to transform your banking operations?

Discover how Oradian’s cloud core banking system can help your financial institution scale, innovate, drive financial inclusion and future-proof your operations, get in touch with our team today.