Modernizing Indonesian Banking with Cloud Open Banking & Enterprise Core CBS.
LinkFin bridges community banks (BPR/BPRS) and cooperatives to high-speed digital channels, agent networks, and automated utility PPOB. Powered by OpenBank+ for frontline distribution and strategic partnership with Loxa for Core Banking.
OpenBank+: Unified Teller & Agent Banking Platform
A single, responsive web portal enabling bank tellers, field officers, and remote merchant agents to execute transactions, utility payments, and account services.
Single-Pane Teller Workstation
Consolidates multiple disparate terminal screens into one modern web interface. Tellers handle cash deposits, withdrawals, and balance lookups with automated transaction numbering and audit logs.
- Instant customer lookup by ID / Account
- Maker-checker supervisory approvals
- Automated printable transaction slips
Integrated Digital PPOB Engine
Direct national bill payments embedded inside the bank console via high-throughput aggregator switches (Alterra / Sepulsa).
- PLN (Prepaid Token & Postpaid Electricity)
- PDAM regional municipal water billings
- Telco pulsa & popular digital e-money top-ups
AI-Assisted Customer Onboarding
Built-in document recognition (OCR) and hyper-automation designed for rapid verification of Indonesian identity cards (KTP) and tax documents (NPWP).
- Automated demographic data extraction
- Reduces manual entry errors by up to 90%
- Accelerated loan underwriting pipeline
Everything Required for Indonesian Regulatory Compliance
Loxa CBS powers institutional accounts, automated balance sheets, interest accruals, and regulatory reporting requirements mandated by the Financial Services Authority (OJK) and Bank Indonesia.
| Capability | Specification & Coverage |
|---|---|
| General Ledger | Multi-branch Chart of Accounts, real-time balance sheets & profit/loss |
| Deposit Products | Tabungan (Savings), Deposito Berjangka (Time Deposits), Giro |
| Credit & Loans | Kredit Modal Kerja, Konsumtif, automated amortization, collateral tracking |
| Compliance Pipelines | SLIK (Sistem Layanan Informasi Keuangan), LBL, and APU-PPT exports |
| Integration | Bi-directional REST API pipeline to OpenBank+ and external payment rails |
The Cooperative Business Advantage
BPRs no longer have to negotiate with multiple disconnected vendors. LinkFin and Loxa deliver an end-to-end modernized stack:
Teller portals, field agents, mobile PPOB services, and AI onboarding.
General ledger, loan interest calculations, principal balances, OJK reporting.
Explore the Integrated Workstation Architecture
Inspect how frontline channels and the core engine coordinate across live operations.
| GL Code | Account Title | Sub-Classification | Debit (IDR) | Credit (IDR) | OJK Tag |
|---|---|---|---|---|---|
101.01.001 |
Kas Kantor Pusat (Vault) | Aktiva Lancar | Rp 245.500.000 | - | OJK-101 |
201.02.004 |
Simpanan Tabungan BPR | Dana Pihak Ketiga | - | Rp 18.420.000.000 | SLIK-DPK |
103.01.010 |
Kredit yang Diberikan (KYD) | Portofolio Pinjaman | Rp 34.120.000.000 | - | SLIK-LBL |
401.05.002 |
Pendapatan Fee PPOB (OpenBank+) | Fee-Based Income | - | Rp 12.840.000 | OJK-REV |
Built for Strict Financial Governance
Meeting the regulatory, confidentiality, and operational requirements of regulated financial institutions.
OJK & BI Regulatory Compliance
Pre-configured data formatting for OJK SLIK (Sistem Layanan Informasi Keuangan), APU-PPT risk checks, and standard Bank Indonesia monthly operational reports (LBL).
Data Isolation & Multi-Tenancy
Each institution operates with isolated database structures, encrypted at rest using AES-256 and transmitted exclusively over enforced TLS 1.3 endpoints.
Maker-Checker Governance
Granular role-based access control (RBAC). High-value transfers, loan disbursements, and system overrides mandate dual-party supervisory authorization.
Audit Logging & Traceability
Immutable tamper-resistant audit trails capturing operator IDs, IP origins, session timestamps, and exact payload states for compliance inspections.
Ready to modernise your banking operations?
Schedule a comprehensive demonstration of the OpenBank+ channel platform and Loxa CBS core engine tailored to your institution's asset size and branch network.