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.
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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.
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