Otoritas Jasa Keuangan
Otoritas Jasa Keuangan is Indonesia's integrated financial services regulatory authority, established under Law Number 21 of 2011, overseeing banking, capital markets, insurance, fintech, digital assets, and consumer protection across the country via digital regulatory platforms and a nationwide office network.
- Company typePrivate
- Founded2011
- HeadquartersJakarta, Indonesia
- Headcount1,001–5,000
- GTM typeB2B
- OfferingServices
What Otoritas Jasa Keuangan does
Otoritas Jasa Keuangan (OJK) is Indonesia's integrated financial services regulatory authority, established under Law Number 21 of 2011 and operationally consolidated by 2013 with the transfer of banking supervision from Bank Indonesia. It serves as the sole regulator for the entire Indonesian financial services sector, supervising commercial banks, rural banks (BPR), sharia banks, securities firms, investment managers, issuers, insurance and reinsurance companies, pension funds, financing institutions, venture capital, microfinance, peer-to-peer lending, fintech, digital financial assets, and cryptocurrency service providers. Its mandate also covers financial system stability, consumer protection, financial literacy, and anti-money laundering coordination.
OJK operates a portfolio of digital regulatory infrastructure platforms including SLIK (Financial Information Service System for credit data), SPRINT (integrated licensing), SIPELAKU (entity information system), SIKEPO (banking regulation information), e-Licensing, e-Reporting, APOLO (online reporting), Sintesis (data analytics), IASC (Indonesia Anti-Scam Centre), OJK CSIRT (cybersecurity incident response), SITPAKD (regional financial access), and a Regulatory Sandbox for fintech and crypto innovation. These systems form the mandatory digital backbone for all regulated financial entities in Indonesia.
As a government state entity, OJK does not generate commercial revenue; it is funded through the Indonesian state budget (APBN) and operates with 1,001-5,000 employees across headquarters in Jakarta and a nationwide network of regional offices spanning all provinces. Its distribution includes the Kontak157 consumer contact center, regional outreach programs (Sosialisasi), OJK-TV and OJK-Radio, the Sikapi Uangmu financial literacy platform, and digital media channels. Recent strategic activity centers on capital market reforms responding to MSCI's frontier-market downgrade warning, leadership renewal, enforcement actions against market manipulation, and expanded cross-border cooperation with the Monetary Authority of Singapore on fintech, digital assets, and AI in financial services.
Otoritas Jasa Keuangan firmographics
Firmographics- Name
- Otoritas Jasa Keuangan
- Legal name
- Otoritas Jasa Keuangan
- Website
- https://ojk.go.id
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Otoritas Jasa Keuangan is Indonesia's integrated financial services regulatory authority, established under Law Number 21 of 2011, overseeing banking, capital markets, insurance, fintech, digital assets, and consumer protection across the country via digital regulatory platforms and a nationwide office network.
- Ownership category
- akta.pro rank
Otoritas Jasa Keuangan industry classification
Industry- Product category
- Financial Services Regulation
- NAICS
- Regulation, Licensing, and Inspection of Miscellaneous Commercial Sectors (92615)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Financial Services Regulators (Banking, Securities, Insurance) (BPAIAOAK)
- akta.pro secondary industries
- Risk Management, Controls, Governance & Policy (Crypto) (FSADALAJ), Compliance & Regulatory Operations (AML/KYC, Reporting, Audit) (FSAGAAAL)
Keywords
Where Otoritas Jasa Keuangan is headquartered
LocationHeadquarters
- HQ city
- Jakarta
- HQ country
- Indonesia
- HQ region
- Asia
Offices3 records
Markets served
Otoritas Jasa Keuangan business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Distribution channels4 records
Marketing channels9 records
Otoritas Jasa Keuangan product offering
Product offeringCore offering
Otoritas Jasa Keuangan (OJK) regulates and supervises Indonesia's entire financial services sector, including banking, capital markets, insurance, pension funds, financing, fintech, digital financial assets, and crypto assets. It issues licenses, conducts supervision and enforcement, manages systemic risk coordination, and delivers consumer protection and financial literacy programs through a network of national and provincial offices supported by digital regulatory platforms.
Product overview
Otoritas Jasa Keuangan (OJK) is Indonesia's financial services authority regulating banking, capital markets, insurance, and fintech sectors. The organization operates a portfolio of digital platforms and systems for regulatory oversight, licensing, reporting, and consumer protection. Key products include the e-Licensing system for business permits, e-Reporting platform for regulatory submissions, Sistem Penerimaan OJK (SIPO) for applications, Sistem Informasi Pelaku Sektor Jasa Keuangan (SIPELAKU) for entity management, Sistem Layanan Informasi Keuangan (SLIK) for credit information, Regulatory Sandbox for fintech innovation testing, and Indonesia Anti-Scam Centre (IASC) for fraud prevention. These interconnected systems form the digital infrastructure supporting Indonesia's financial sector supervision and market development.
Differentiator
Problem solved
Functional benefit
Products and services
- Sistem Penerimaan OJK (SIPO)
- e-Licensing
- e-Reporting OJK
- Sistem Perizinan dan Registrasi Terintegrasi (SPRINT)
- Sistem Informasi Pelaku Sektor Jasa Keuangan (SIPELAKU)
- Indonesia Anti-Scam Centre (IASC)
- Sistem Layanan Informasi Keuangan (SLIK)
- Aplikasi Pelaporan Online OJK (APOLO)
- Regulatory Sandbox
- e-PPID (Permohonan Informasi Publik)
- OJK CSIRT Services
Companies that use Otoritas Jasa Keuangan
Customer profileSegments6 records
Ideal customer profiles5 records
Otoritas Jasa Keuangan technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature12 records
Otoritas Jasa Keuangan partnerships and signals
Strategic signalPartnerships
19 partnerships are on record, tiered core and minor.
- Monetary Authority of Singapore (MAS)coreMAS and OJK expanded their fintech cooperation through the November 2025 MOU, which now also covers AI in financial services, cross-border digital asset settlement through Project Guardian, and regulatory sandbox referrals for fintech firms across both jurisdictions, aimed at enhancing liquidity and interoperability across ASEAN financial networks.
- Monetary Authority of Singapore (MAS)coreOJK and MAS signed a renewed Memorandum of Understanding on Fintech Cooperation on November 10, 2025, in Singapore, expanding their existing 2018 framework to cover digital financial assets and AI in financial services. The MOU establishes specific initiatives including cross-border information sharing, regulatory sandbox referrals for fintech firms, and industry cooperation between both countries, positioning Indonesia and Singapore as key nodes in ASEAN's digital economy.
- Bank Indonesia (BI)coreOJK coordinates with Bank Indonesia on financial system stability through the Komite Stabilitas Sistem Keuangan (Financial System Stability Committee), which assesses macroeconomic and financial sector conditions and manages financial crises. BI transferred its banking regulatory and supervisory function to OJK.
- Deposit Insurance Corporation (LPS)coreOJK maintains a Memorandum of Understanding with the Deposit Insurance Corporation (Lembaga Penjamin Simpanan) for coordination and cooperation in deposit insurance supervision and financial crisis management.
- Financial Services Agency of Japan (FSA Japan)minorOJK has a cooperation agreement with Japan's Financial Services Agency for regulatory knowledge sharing and supervisory best practices.
- China Banking and Insurance Regulatory Commission (CBRC)minorOJK and CBRC signed a pre-Memorandum of Understanding on supervision over financial services industry, establishing a framework for regulatory cooperation between Indonesia and China.
- Financial Services Agency of JapanminorBilateral cooperation on financial services regulation and supervisory practices.
- PPATK (Pusat Pelaporan dan Analisis Transaksi Keuangan)coreOJK has a cooperation agreement with PPATK for anti-money laundering (APU) and anti-terrorism financing (PPT) efforts in the financial services sector.
- National Encryption Agency (BSSN)minorOJK signed a Memorandum of Understanding with the National Encryption Agency for cybersecurity cooperation and information protection.
- Environment Ministry (KLH)minorJoint MOU between the Environment Ministry and OJK on sustainable finance and environmental risk management in the financial sector.
- Business Competition Supervisory Commission (KPPU)minorJoint Memorandum of Understanding between OJK and the Business Competition Supervisory Commission for competition law compliance in the financial services sector.
- Indonesia Financial Services - OECD CooperationminorOJK collaborates with the OECD on financial literacy and inclusion initiatives, including the OECD High-level Regional Seminar on Empowering MSMEs through Financial Literacy and Inclusion.
- BNN (Badan Narkotika Nasional)minorMoU between OJK and BNN on financial literacy and education and drugs abuse prevention.
- International Financial Corporation (IFC)minorOJK has a cooperation agreement with the International Financial Corporation for financial sector development and capacity building.
- Statistics Indonesia (BPS)minorMoU between OJK and BPS on statistics and financial services data collaboration for improved regulatory data quality.
- PP MuhammadiyahminorMoU between OJK and PP Muhammadiyah for financial literacy and Sharia-compliant financial services education.
- Indonesian Institute of Accountants (IAI)minorMoU between OJK and IAI for accounting standards alignment and professional development in the financial sector.
- Indonesia Banking School (STIE Bank Indonesia)minorOJK and STIE Indonesia Banking School established cooperation for banking professional education and training.
- Deutsche Bundesbank (Project Guardian)minorThrough MAS, Indonesia participates in Project Guardian with Deutsche Bundesbank for cross-border digital asset settlement, with OJK involved in related fintech cooperation.
Recent moves7 records
Expansion highlights5 records
Otoritas Jasa Keuangan competitors and assessment
Company assessmentRegional players
- Bank Negara Malaysia (BNM): Malaysia's central bank and integrated financial regulator. Operates in the same ASEAN regulatory ecosystem as OJK with a comparable multi-sector mandate across banking, insurance, and fintech.
- Securities and Exchange Board of India (SEBI): India's securities and capital-markets regulator. Comparable to OJK in supervising a large emerging-market capital market with active investor protection, issuer disclosure, and market-manipulation enforcement mandates.
Direct peers
- Financial Services Agency of Japan (JFSA): Japan's integrated financial regulator covering banking, securities, and insurance. OJK has an active supervisory knowledge-sharing agreement with FSA Japan, making it a directly comparable peer in regulatory architecture and mandate.
- National Financial Regulatory Administration of China (NFRA, formerly CBIRC/CBRC): China's integrated banking and insurance regulator. OJK holds a pre-MOU with CBRC for cross-border supervisory cooperation, making it a directly comparable peer in supervising a large emerging-market financial system.
- Monetary Authority of Singapore (MAS): Singapore's integrated financial regulator and OJK's primary cooperation partner, sharing the unified multi-sub-sector regulator model (banking, securities, insurance, fintech). The two signed a renewed fintech MOU in November 2025 covering digital assets and AI.
Broad incumbents
- Securities and Exchange Commission (SEC, United States): The US securities regulator. While not a unified financial regulator like OJK, the SEC shares the capital-markets supervision, issuer disclosure, and market-manipulation enforcement mandate that is a core pillar of OJK's work.
- Financial Conduct Authority (FCA, United Kingdom): The UK's conduct regulator for financial services. Comparable to OJK in market conduct supervision, consumer protection, and authorization of fintech and crypto firms — areas where OJK operates IASC, Kontak157, and its Regulatory Sandbox.
- Australian Securities and Investments Commission (ASIC): Australia's integrated corporate, markets, and financial services regulator. Comparable to OJK in cross-sector consumer protection, market integrity enforcement, and licensing of financial services entities.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Otoritas Jasa Keuangan social profiles
Digital presenceOtoritas Jasa Keuangan financial estimates
Financial estimateRevenue estimate
Valuation estimate
Otoritas Jasa Keuangan leadership team
Management profileNumber of profiles
Profiles2 records
Otoritas Jasa Keuangan funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Otoritas Jasa Keuangan M&A and investment
M&A and investmentM&A
Investments
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Frequently asked questions about Otoritas Jasa Keuangan
What does Otoritas Jasa Keuangan do?
Otoritas Jasa Keuangan (OJK) regulates and supervises Indonesia's entire financial services sector, including banking, capital markets, insurance, pension funds, financing, fintech, digital financial assets, and crypto assets. It issues licenses, conducts supervision and enforcement, manages systemic risk coordination, and delivers consumer protection and financial literacy programs through a network of national and provincial offices supported by digital regulatory platforms.
Is Otoritas Jasa Keuangan a public or private company?
Otoritas Jasa Keuangan is a private company. It is classified as state government owned and is currently operating.
When was Otoritas Jasa Keuangan founded?
Otoritas Jasa Keuangan was founded in 2011. It employs 1,001 to 5,000 people.
Where is Otoritas Jasa Keuangan based?
Otoritas Jasa Keuangan is headquartered in Jakarta, Indonesia, in the Asia region.
Who are Otoritas Jasa Keuangan's main competitors?
Regional players on record are Bank Negara Malaysia (BNM) and Securities and Exchange Board of India (SEBI). Direct peers are Financial Services Agency of Japan (JFSA), National Financial Regulatory Administration of China (NFRA, formerly CBIRC/CBRC) and Monetary Authority of Singapore (MAS). Broad incumbents are Securities and Exchange Commission (SEC, United States), Financial Conduct Authority (FCA, United Kingdom) and Australian Securities and Investments Commission (ASIC).
Does Otoritas Jasa Keuangan have an API?
No public API is recorded for Otoritas Jasa Keuangan.
What industry is Otoritas Jasa Keuangan in?
Otoritas Jasa Keuangan's product category is Financial Services Regulation. Its primary akta.pro industry code is BPAIAOAK, Financial Services Regulators (Banking, Securities, Insurance), with a secondary code of FSADALAJ, Risk Management, Controls, Governance & Policy (Crypto). Its NAICS code is 92615 and its SIC code is 6199.