Introduction

Indonesia’s financial technology (fintech) sector has seen rapid growth in recent years, bringing innovation to the way financial services are delivered. With this growth comes the need for clear regulation and greater public access to information is necessary for public trust.

Financial Services Authority (Otoritas Jasa Keuangan, or OJK) is an independent institution established under Law No.21 of 2011 on the Financial Services Authority (as amended), which is responsible for regulating and supervising financial services, including banking, capital markets, insurance, pension funds, and other non-bank financial institutions, as well as fintech.

To support openness and public trust, OJK provides online tools that allow anyone to check whether a fintech company is properly licensed. This public search feature makes it easier for investors, legal professionals, and the general public to verify a company's legal standing and ensure that it meets regulatory standards.

This legal insight looks at the available search tools for fintech licences in Indonesia that can be accessed publicly.

Financial Technology Lending License

Search location

OJK website: https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Default.aspx

As of January 2025:

https://ojk.go.id/id/kanal/iknb/data-dan-statistik/direktori/fintech/Pages/Penyelenggara-Fintech-Lending-Berizin-di-OJK-per-31-Januari-2025.aspx

Search scope

Search of companies that have registered with or obtained a fintech licence from OJK

Limitation

• Published monthly by OJK
• The results are not definitive or conclusive, as the information included in the website is not always complete

End Product

An electronic document (pdf) setting out a list of the entities that have registered with or obtained a licence from OJK. Provides information on:

• Status: Registered/Licenced
• Name of Company
• Platform Name
• Licence/Registration Number
• Date
• Type of Business
• Operating System

Conclusion

The availability of public search tools on the OJK website to verify fintech licences helps users confirm their legal status, supporting accountability among investors, professionals, and consumers alike. By making licensing information more accessible, Indonesia is spreading awareness to build a responsible and well-regulated digital financial ecosystem.