Scaling financial inclusion and innovation in Indonesia with Mambu
Krom Bank, one of Indonesia’s fastest-growing digital banks, launched in under 12 months on Mambu’s SaaS cloud platform. After a successful go-live, the bank deepened the partnership to support its next phase of growth, including the expansion of AI-driven capabilities and new digital-first products.
- Q3 2025 interest income increase (YoY)
- Q3 2025 asset increase (YoY)
- Q3 2025 funding increase (YoY)
KROM BANK
About the customer
PT Krom Bank Indonesia Tbk ("Krom") is a digital-first bank headquartered in Jakarta and regulated by OJK and Bank Indonesia. Formerly known as PT Bank Bisnis Internasional Tbk, the bank began its transformation in 2021 following its acquisition by PT FinAccel Teknologi Indonesia, part of the Kredivo Group, Indonesia’s largest and fastest-growing BNPL company.
The year 2024 marks a period of momentum for Krom expanding and accelerating business growth amidst the dynamics of the digital industry. By continuing to develop services through the presence of new features such as QRIS and BI Fast, Krom strengthened its position as a trusted digital financial platform — one that delivers seamless, relevant, and value-driven solutions to customers.
The challenge
Building a digital bank from the ground up
The opportunity in Indonesia is immense, with three-quarters of the population lacking access to traditional banking. Krom’s challenge was to build a digital-first bank from the ground up, one that could launch innovative products quickly and scale rapidly to meet this demand.
They needed a modern, flexible core banking partner to bypass legacy technology and deliver a seamless digital experience tailored to young, underbanked Indonesians.
The solution
A cloud-native foundation for speed and scale
Krom selected Mambu’s composable core banking platform in March 2022.
The bank was built from scratch, leveraging Mambu’s cloud-native core alongside cutting-edge cloud technologies from Amazon Web Services (AWS). Mambu’s platform, hosted in the AWS Indonesia Region, allowed Krom to meet local data residency and compliance requirements while maintaining agility and scalability.
This powerful, cloud-native architecture enabled Krom to launch in under 12 months. The initial go-live included a full suite of personal and business products, such as current accounts, flexible savings, and high-yield time deposits.
The project was delivered by a lean, experienced team that collaborated closely with Mambu’s integration experts and AWS cloud specialists.
“With Mambu’s cloud-native core and the flexibility it provides, we’ve been able to launch high-impact products faster, stay compliant, and deliver a seamless experience to our customers.”
- Anton Hermawan, President Director at Krom Bank
The results
Strong performance, bold ambitions
Since its launch, Krom has become one of Indonesia’s fastest-growing digital banks.
The bank’s financial performance in FY 2024 reflects its strong market fit and execution excellence: total assets increased by 83% to IDR 6.65 trillion, while net profit reached IDR 107.13 billion in the first nine months of 2024, up 9.54% year-on-year.
As the first fully digital bank in Indonesia built on the Mambu truly SaaS platform, Krom’s success demonstrates the strength of a cloud-first, API-enabled architecture in emerging markets.
Its agile technology stack has allowed it to grow efficiently, while maintaining compliance and operational resilience. In 2025, Krom renewed its partnership with Mambu for another five years, deepening collaboration and trust in the already successful relationship.
“Mambu has proven to be a powerful partner from day one. Our renewed partnership is a key step in Krom’s long-term strategy to build a scalable, innovative, and inclusive digital bank for Indonesians. As we target 20 million accounts by 2030, Mambu continues to be a trusted partner on our growth journey.”
- Anton Hermawan, President Director at Krom Bank
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