Oradian

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.

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

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

• Core banking platform
• Cloud banking software
• Loan management system
• Banking API platform
• Core banking SaaS

Headquarters

HQ city

Zagreb

HQ country

Croatia

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Others

Revenue model

1. 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.
2. Implementation Services: Expert implementation team provides services from project initiation to data migration to 24/7 support.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core 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

Named customers14 records

Segments7 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

AI capability6 records

Feature10 records

Partnerships

Three partnerships are on record, tiered core.

• Pohon DanacoreTechnology or Integration · 22 May 2026Pohon 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.
• FairMoneycoreTechnology or Integration · 22 September 2022FairMoney, 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.
• AFTECHcoreStrategic or Co-development PartnerOradian 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

Broad 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

• Xx.com/oradianhq
• YouTubeyoutube.com/channel/UCCwMBB8HJjsFykaps9idH7Q
• Facebookfacebook.com/oradian
• LinkedInlinkedin.com/company/oradian

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds6 records

Investors10 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Oradian