Oradian
Oradian is a cloud-native, API-first core banking platform founded in 2012 that serves banks, fintechs, and microfinance institutions in emerging markets — primarily Nigeria, the Philippines, and Indonesia — with configurable banking software, loan management, and in-house regional implementation teams.
- Company typePrivate
- Founded2012
- HeadquartersZagreb, Croatia
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Oradian does
Oradian is a cloud-native core banking platform provider founded in 2012, headquartered in Zagreb, Croatia, with regional offices in Lagos, Nigeria and Manila, Philippines, and 51–100 employees. The company serves banks, fintechs, and microfinance institutions in dynamic emerging markets — primarily Nigeria, the Philippines, and Indonesia — by offering an API-first, configurable core banking system with integrated loan management, real-time transaction processing, and regulatory compliance features tailored to CBN, BSP, and OJK requirements. Core modules include the Core Banking System, Loan Management System, Additional Services (instant messaging, reporting, push notifications via Oradian Notifier), Extensible Banking for no-code configuration, and Oradian Custom Code for advanced extensions through external JARs. The platform is built on a model-first architecture using Domain Specific Language (DSL) and command-pattern design following Domain-Driven Design principles, with RESTful APIs and GraphQL interfaces enabling integration with local payment rails (InstaPay, NIP, GCash), identity systems (PhilSys, BVN, NIN), and third-party services.
The platform operates on a SaaS subscription model with pricing tied to portfolio size, supplemented by professional services revenue from in-house implementation teams that handle deployments directly without outsourcing. Go-to-market is enterprise field sales targeting C-suite buyers at banks and fintechs, supported by content marketing, industry events such as the Singapore FinTech Festival, and regional partnerships including membership in AFTECH (Indonesia's fintech association). Named customers span enterprise banks (Cantilan Bank, Agribank), high-growth digital lenders (FairMoney with 15M+ active accounts, Esquire Financing supporting 30,000+ SMEs, Pohon Dana under Mayapada Group, Creditville), and microfinance institutions (LARDI, DEC, RAFI, LifeBank Foundation), with reported customer outcomes including 50–86% reductions in defaults, 320% one-year growth, and migrations completed in as little as two to three months.
Disclosed equity funding totals approximately $1.8M across six rounds from 2014 to 2019, with the most recent round led by Fil Rouge Capital. There is no disclosed revenue, valuation, or post-2019 funding event, and the leadership team comprises co-founders Antonio Separovic (CEO), Andrew Mainhart (CTO), Julian Oehrlein (COO), Onyeka Adibeli (Head of Implementation), and Ricardo Vidal (Chief Product Officer). The company maintains a global footprint claim, GDPR compliance via its EU headquarters, and certifications aligned with SWIFT Customer Security Controls Framework for its Indonesian deployment.
Oradian firmographics
Firmographics- Name
- Oradian
- Legal name
- ORADIAN doo
- Website
- https://oradian.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Oradian is a cloud-native, API-first core banking platform founded in 2012 that serves banks, fintechs, and microfinance institutions in emerging markets — primarily Nigeria, the Philippines, and Indonesia — with configurable banking software, loan management, and in-house regional implementation teams.
- Ownership category
- akta.pro rank
Oradian industry classification
Industry- Product category
- Core Banking Software
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)
Keywords
Where Oradian is headquartered
LocationHeadquarters
- HQ city
- Zagreb
- HQ country
- Croatia
- HQ region
- Europe
Offices3 records
Markets served
Oradian business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Others
Revenue model
- Cloud Core Banking Subscription: SaaS-based subscription pricing for core banking platform access. The subscription price is based on portfolio size, with no hidden extras.
- Implementation Services: Expert implementation team provides services from project initiation to data migration to 24/7 support.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Portfolio-based SaaS subscription |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
Oradian product offering
Product offeringCore offering
Oradian provides a cloud-native, API-first core banking platform for banks, fintechs, and microfinance institutions in dynamic emerging markets such as Nigeria, the Philippines, and Indonesia. The platform delivers real-time transaction processing, loan management, extensible configuration without coding, multi-entity data models for embedded finance, REST and GraphQL APIs, and built-in regulatory compliance for CBN, BSP, and OJK frameworks. Revenue is generated through portfolio-based SaaS subscriptions and implementation services delivered by in-house regional teams.
Product overview
Oradian offers a cloud-native core banking platform designed for banks and fintechs in dynamic markets. The unified platform consists of the Core Banking System as the central product, supplemented by a Loan Management System for automated lending operations, Additional Services (messaging, reporting, notifications), Extensible Banking for configuration without coding, Implementation Services for deployment support, and Oradian Custom Code for advanced customizations. The platform integrates via RESTful APIs and GraphQL, processes transactions in real-time, and supports multi-entity account models for embedded finance partnerships.
Differentiator
Problem solved
Functional benefit
Products and services
- Core Banking System Cloud-native core banking platform for banks, fintechs, and microfinance institutions in dynamic emerging markets. Provides real-time transaction processing, account management, multi-entity data model, REST and GraphQL APIs, automated audit trails, and regulatory compliance for CBN, BSP, and OJK frameworks. Designed for institutions replacing legacy core systems with API-first infrastructure.
- Loan Management System Automated lending module within the Oradian platform that enables financial institutions to serve more clients faster, reduce costs, and grow loan portfolios. Supports automated lending workflows, risk management, and credit scoring, with demonstrated customer outcomes such as Creditville growing its loan portfolio by 86%, Zurich Finance reducing loan defaults by 50%, and LARDI growing its client base elevenfold.
- Implementation Services Professional services delivered by Oradian's in-house regional implementation teams covering end-to-end deployment of the core banking platform, from project initiation and data migration to 24/7 ongoing support. Specialist teams in Europe, Southeast Asia, and Sub-Saharan Africa handle local implementations directly rather than through third-party outsourcing, with typical go-lives of around three months (e.g., Esquire Financing in three months, SEAP migrated in two months).
- Oradian Custom Code Advanced customization capability for the Oradian core banking platform that allows financial institutions to import external Java Archive (JAR) files to implement specialized calculations, build custom APIs, and extend core system capabilities. Includes formulas in dynamic reports and calculated expressions on custom fields and tables, enabling highly customized solutions beyond the out-of-the-box configurable modules.
- Oradian Notifier Configurable push notification API mechanism that enables financial institutions to deliver alerts to clients and internal teams about changes, updates, news, or reminders across the Oradian core system. Part of Oradian's Additional Services offering, alongside instant messaging and reporting capabilities.
Quantifiable outcome
- 99.9% uptime SLA
- +8 more outcomes
Companies that use Oradian
Customer profileNamed customers14 records
Segments7 records
Ideal customer profiles3 records
Oradian technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration13 records
AI capability6 records
Feature10 records
Oradian partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Pohon DanacorePohon Dana, a Mayapada Group fintech company and Indonesian digital lending provider, selected Oradian's digital-native core banking and loan management system to support its next phase of expansion and operational growth. The partnership addresses growing demand for modern lending infrastructure as Indonesian digital lenders seek to scale sustainably.
- FairMoneycoreFairMoney, Nigeria's leading credit-led digital financial institution, partnered with Oradian to power their next phase of growth using cloud banking solution. Oradian's infrastructure enabled FairMoney to become Nigeria's #1 most downloaded fintech app with 15M+ active accounts.
- AFTECHcoreOradian is the first international member of AFTECH (Indonesia's fintech association), demonstrating its commitment to the Indonesian fintech ecosystem and regulatory alignment with local industry standards.
Scale indicators14 records
Recent moves6 records
Expansion highlights5 records
Oradian competitors and assessment
Company assessmentBroad incumbents
- Finastra: Large incumbent financial software vendor with core banking, lending, and treasury offerings. Overlaps with Oradian on core banking and loan management but addresses a much broader set of financial institution types and use cases.
- Temenos: Largest pure-play core banking vendor globally, serving retail, corporate, and microfinance banks. Competes with Oradian for the same bank customers but as a broad incumbent with a much larger product portfolio and global footprint.
Direct peers
- Bankingly: Digital banking and core modernization platform focused on emerging markets and community banks. Highly comparable to Oradian in geographic focus and in serving MFIs and smaller financial institutions in Africa, Latin America, and Asia.
- 10x Banking: Cloud-native core banking platform serving challenger and incumbent banks. Directly comparable as another SaaS-delivered core built for digital transformation, with a similar enterprise-bank go-to-market.
- Mambu: Cloud-native, API-first core banking SaaS serving banks and fintechs globally. Directly comparable to Oradian in product category and SaaS delivery model, though Mambu focuses on broader global markets while Oradian concentrates on emerging markets.
- TagPay: Cloud-based core banking and digital banking platform for challenger banks, MFIs, and cooperatives, with strong emerging-market presence. Comparable product architecture and customer segment to Oradian.
- Thought Machine: Cloud-native core banking platform built on a proprietary smart-contract-based engine. Comparable to Oradian's cloud-native, API-first thesis and target customer profile of incumbent and challenger banks undergoing core modernization.
- Appzone: Nigeria-based banking software provider focused on digital and core banking for African financial institutions. Directly comparable to Oradian in geographic focus (especially Nigeria) and in serving digital lenders and MFIs.
Emerging players
- Unit: US-based embedded banking and core banking infrastructure provider for fintechs. Adjacent in product category (cloud-native core for fintechs) but focused primarily on the US market rather than Oradian's emerging-market footprint.
- Ohpen: Cloud-native core banking SaaS primarily for retail banks and investment firms in Europe. Comparable delivery model and product thesis to Oradian but with a different geographic and customer focus.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Oradian social profiles
Digital presenceOradian compliance and trust
Trust signalCompliance3 records
Oradian financial estimates
Financial estimateRevenue estimate
Valuation estimate
Oradian leadership team
Management profileNumber of profiles
Profiles5 records
Oradian funding detail
Funding detailFunding overview
Funding rounds6 records
Investors10 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Oradian M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Oradian
What does Oradian do?
Oradian provides a cloud-native, API-first core banking platform for banks, fintechs, and microfinance institutions in dynamic emerging markets such as Nigeria, the Philippines, and Indonesia. The platform delivers real-time transaction processing, loan management, extensible configuration without coding, multi-entity data models for embedded finance, REST and GraphQL APIs, and built-in regulatory compliance for CBN, BSP, and OJK frameworks. Revenue is generated through portfolio-based SaaS subscriptions and implementation services delivered by in-house regional teams.
Is Oradian a public or private company?
Oradian is a private company. It is classified as venture growth investor backed and is currently operating.
When was Oradian founded?
Oradian was founded in 2012. It employs 51 to 100 people.
Where is Oradian based?
Oradian is headquartered in Zagreb, Croatia, in the Europe region.
How does Oradian make money?
Two revenue lines are on record. Cloud Core Banking Subscription is the primary driver. The others are implementation Services.
Who are Oradian's main competitors?
Broad incumbents on record are Finastra and Temenos. Direct peers are Bankingly, 10x Banking, Mambu, TagPay, Thought Machine and Appzone. Emerging players are Unit and Ohpen.
Does Oradian have an API?
Yes. Oradian offers a RESTful API platform built on a model-first approach using Domain Specific Language (DSL) and command pattern following Domain-Driven Design principles. APIs are uniform throughout the application, from documentation to REST API endpoints. The platform supports GraphQL for flexibility and control, allowing users to send queries and receive only the specific data requested. Oradian provides a push API mechanism called Oradian Notifier for configurable push notifications alerting clients and teams to changes, updates, news, or reminders. All functionalities on the Oradian core system can be integrated through APIs, including wallet accounts, card management systems, payment gateways, internal data warehouses, accounting software, loan lifecycle processes, WhatsApp chatbot, and insurance services. Developer documentation is at oradian.com/insights/public/apis-how-our-customers-power-their-business-through-open-integrations.
What industry is Oradian in?
Oradian's product category is Core Banking Software. Its primary akta.pro industry code is FSAGALAK, Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes). Its NAICS code is 518 and its SIC code is 7372.