What Collega Inti Pratama, PT does

PT Collega Inti Pratama is an Indonesian digital IT services company specializing in banking and financial technology solutions. Founded in Bali on 2001-02-03 and headquartered at Talavera Office Park in South Jakarta since 2008, the company has been the market leader for Core Banking Systems in Indonesia's Regional Development Banks (BPD) for over two decades. It was acquired by PT Sigma Cipta Caraka (Telkomsigma), a subsidiary of PT Telkom Indonesia, on 2018-12-28, integrating it into the TELKOM GROUP ecosystem and giving it access to enterprise distribution, sovereign data center capacity, and a national services network.

The company's core offering is the OLIBs suite, a proprietary banking technology platform organized into three product lines. Modular & Open Banking covers the OLIBs724 Core Banking System for both Conventional and Sharia operations, plus OLIBs Open API for ecosystem integration. Omni Banking provides digital channels including Mobile and Internet Banking, e-Money, Switching, middleware, corporate banking, and government cash management (Kasda, Samsat). Smart Banking covers BI & Data Warehouse, PSAK 71/73 regulatory compliance modules, Antasena/APOLO/OBOX regulatory reporting, goAML anti-money laundering, and Digital Ecosystem integrations. The platform operates from TELKOM GROUP data centers certified to TIER, ISO 27001, ISO 20000, and PCI-DSS standards, with DC/DRC Managed Services providing disaster recovery.

Collega operates a B2B enterprise sales model targeting banks and financial institutions directly, with multi-year contracts covering licensing, implementation, customization, and managed services. As of 2023-12-31, the company serves 28 Banking & Finance institutions (22 Conventional Banks, 4 Sharia Business Units, 3 Full Sharia Commercial Banks) and 124 Regional and District Government (PEMKOT/PEMKAB) institutions. Pricing is quote-based and varies by bank size, product scope, and SLA requirements. Named customers include Bank Jago (Sharia Unit Go Live 2021), Bank Aceh Syariah, Bank Bengkulu, Bank Nagari, Bank Lampung, and Bank Victoria. Leadership includes Eko Dedi Rukminto as President Director and Agus Pramudiono as Direktur Utama.

Name

Collega Inti Pratama, PT

Legal name

PT Collega Inti Pratama

Website

https://collega.co.id

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

101–250 employees

Short description

PT Collega Inti Pratama is an Indonesian banking technology company providing the proprietary OLIBs Core Banking, Omni Banking, and Smart Banking suite to banks and government institutions. A Telkom Indonesia subsidiary via Telkomsigma, it serves 28 financial institutions and 124 regional government clients across Indonesia.

Ownership category

akta.pro rank

Product category

Core Banking Software

NAICS

Computer Systems Design and Related Services (54151), Computer Systems Design and Related Services (5415)

SIC

Finance Services (6199)

akta.pro primary industry

Core ERP Suites (Financials, Procurement, Projects) (HDAEAEAA)

akta.pro secondary industry

Backup & DR Software Implementation & Managed Platforms (BPAEALAI)

Keywords

• Core banking systems
• Banking software platform
• Sharia banking solutions
• Open banking API
• Managed data center

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales, Supply Chain

Revenue model

1. Product Application Technology: Collega generates revenue from licensing and implementing its proprietary OLIBs application suite including Core Banking System (Conventional and Sharia), Omni Banking, and Smart Banking products. Product revenue includes initial implementation, customization, and ongoing system support.
2. Data Center & DRC Managed Services: Managed service revenue from operating Data Center (DC) and Disaster Recovery Center (DRC) facilities for clients. Services include infrastructure provision and 24/7 operator staffing. Both DC and DRC are located in TELKOM GROUP data centers with TIER certification, ISO 20000, ISO 27001, and PCI-DSS certifications.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

PT Collega Inti Pratama develops, licenses, and implements the proprietary OLIBs banking software suite for Indonesian banks and financial institutions, comprising OLIBs724 Core Banking System (conventional and Sharia variants), Omni Banking digital channels (Mobile, Internet, e-Money, Switching, Treasury, Lending, CMS, Kasda, Samsat), and Smart Banking analytics and regulatory compliance modules (PSAK 71/73, Antasena, APOLO, OBOX, goAML, SCV, BI & DWH, Open API). The company also provides managed Data Center (DC) and Disaster Recovery Center (DRC) services hosted in TELKOM GROUP infrastructure with 24/7 operator staffing.

Product overview

Collega offers a comprehensive banking technology portfolio organized into three main categories: (1) Modular & Open Banking - the core banking foundation including OLIBs724 (conventional and sharia variants) serving 7x24 bank transactions with multi-currency support, and OLIBs Open API for open banking integrations; (2) Omni Banking (OLIBsDigital) - digital channel suite covering OLIBs SWITCHING 724 for ATM/card networks, ESB MIDDLEWARE for system integration, Internet/Mobile Banking, e-Money, Treasury, Digital Lending, Supply Chain Financing, CMS Corporate, Kasda (regional government), and Samsat (vehicle tax); (3) Smart Banking - analytics and regulatory compliance solutions including BI & DWH, PSAK 71/73 accounting standards, Antasena (Bank Indonesia reporting), APOLO (OJK reporting), OBOX, goAML (anti-money laundering), SCV (customer view for LPS), and Digital Ecosystem. The company also provides managed Data Center and Disaster Recovery Center services with 24/7 operator support from TIER-certified facilities.

Differentiator

Problem solved

Functional benefit

Brands

• OLIBs: OLIBs is the product brand for Collega's banking solutions including Core Banking System (OLIBs724), Omni Banking products, and Smart Banking applications.

Products and services

• OLIBs724 Core Banking System Konvensional Core Banking System serving bank transactions 7 days x 24 hours non-stop, supporting conventional and multi-currency businesses for Indonesian banks. Includes deposit fund modules, front-end module, CIF module, user management, layered biometric and two-factor authentication, dual-custody, SLA-backed high availability, and high scalability architecture with full CIF integration.
• OLIBs724 Syariah Sharia-compliant Core Banking System supporting profit-sharing principles (Mudharabah, Musyarakah), buying and selling principles (Murabahah, Bai'as-salam, Bai'al-istisna), and pawning principles (Ijarah, Rahn, Qardh). Implements 1365 daily index-based profit sharing calculation for Indonesian Sharia banks and Sharia business units.
• OLIBs Open API Open banking API platform enabling integration with Bank Indonesia payment systems, fintech ecosystems, and third-party networks. Supports RTGS interface, SKN clearing, and various payment system integrations using ISO 8583, XML, and JSON standards. Aligned with Bank Indonesia's Indonesia Payment Systems Blueprint 2025 and PSD2-inspired Open Banking standards.
• OLIBs SWITCHING 724 Electronic channel switching system serving ATM, POST, and third-party networks (Mastercard, Visa, ATM Bersama) operating 7 days x 24 hours for Indonesian banks. Supports card-based business and operational activities.
• OLIBs ESB MIDDLEWARE Enterprise Service Bus middleware facilitating transactions from external parties to banks, supporting electronic transaction standards ISO 8583, XML, and JSON. Features transaction routing, SAF, authentication, and reconciliation.
• OLIBs Internet Banking Internet banking service for desktop and mobile web access, available in Individual and Corporate/Business variants with maker-approval-release workflow for corporate transactions for Indonesian bank customers.
• OLIBs Mobile Banking Mobile banking application for Android and iOS smartphones enabling balance inquiry, transfers, bill payments, ticket purchases, and ATM location services for Indonesian bank customers.
• OLIBs e-Money Electronic money payment instrument stored on server or chip, enabling various payment types through smartphone access for Indonesian bank customers.
• OLIBs Treasury Treasury system providing consolidated financial information access for management decision-making, supporting both structured and non-structured investment instruments for Indonesian bank treasury operations.
• OLIBs Digital Lending Web-based lending platform for consumer and productive financing processes, enabling loan application, data verification, credit analysis, committee approval, and disbursement monitoring via mobile and web for Indonesian banks.
• OLIBs SCF (Supply Chain Financing) Online financing solution facilitating transactions between buyers and suppliers, optimizing cash flow and improving efficiency across supply chains for Indonesian banks and their corporate clients.
• OLIBs CMS Corporate Web-based corporate banking application enabling corporations to conduct banking transactions independently, with multi-level user workflows for Indonesian bank corporate clients.
• OLIBs Kasda Regional cash management system integrated directly with bank systems for Indonesian government treasury accounts, including transaction history and reconciliation features for PEMKOT/PEMKAB use.
• OLIBs Samsat Motor vehicle tax revenue management system integrated with bank services and Jasa Raharja, featuring online supervision and taxpayer SMS reminders for Indonesian regional governments.
• Human Capital Management System (HCMS) Mobile and web-based HR management solution for employee data storage, management, and administrative access, targeted at Indonesian enterprise and bank HR departments.
• OLIBs BI & DWH (Business Intelligence & Data Warehouse) Web-based business intelligence and data warehouse solution providing strategic financial data access for management decision-making, accessible via mobile devices for Indonesian banks.
• OLIBs PSAK 71 Financial instruments accounting standard (adopted from IFRS 9) implementation for Indonesian banking, addressing expected credit loss methodology and financial instrument classification per PSAK 71 requirements.
• OLIBs PSAK 73 Lease accounting standard implementation covering cash flow calculation, depreciation, and amortization for contract leases per PSAK 73 requirements for Indonesian banks.
• OLIBs Antasena Web-based regulatory reporting application for Bank Indonesia, handling data provision, validation, and report generation for Indonesian banks.
• OLIBs APOLO Web-based reporting application for Otoritas Jasa Keuangan (OJK), facilitating data provision, validation, and report submission to Indonesia's Financial Services Authority for Indonesian banks.
• OLIBs OBOX Web-based application for providing transaction data to Otoritas Jasa Keuangan (OJK) as required by Indonesia's Financial Services Authority for Indonesian banks.
• OLIBs goAML Web-based anti-money laundering application providing data reporting to PPATK (Indonesian Financial Transaction Reports and Analysis Center) for Indonesian banks.
• OLIBs SCV (Single Customer View) Web-based customer data consolidation application for LPS (Indonesia Deposit Insurance Corporation) reporting and single customer view requirements for Indonesian banks.
• OLIBs Digital Ecosystem Digital ecosystem platform connecting banking services with external digital partners and fintech integrations for Indonesian banks.
• Managed Data Center (DC) and Disaster Recovery Center (DRC) Services Managed Data Center and Disaster Recovery Center services for client banks and financial institutions, including infrastructure provision and 24/7 operator staffing. Both DC and DRC are located in TELKOM GROUP data centers with TIER certification, ISO 20000, ISO 27001, and PCI-DSS certifications.

Quantifiable outcome

• Market leader for Core Banking System in all 26 Regional Development Banks (BPD) in Indonesia for over 2 decades
• +1 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Two partnerships are on record, tiered minor and core.

• PT Jojo Nomic Indonesia (Jojonomic)minorStrategic or Co-development Partner · 14 October 2021Collega partnered with PT Jojo Nomic Indonesia to co-host a webinar on 'Digital Transformation with No-Code Development to Drive Business Growth' on October 14, 2021. The event was also supported by PT Telkom Indonesia (Persero) Tbk.
• PT Sigma Cipta Caraka (Telkomsigma)coreStrategic or Co-development Partner · 28 December 2018Collega was officially acquired by PT Sigma Cipta Caraka (Telkomsigma), a subsidiary of PT Telkom Indonesia (Persero) Tbk, on December 28, 2018. This acquisition integrated Collega into the TELKOM GROUP, providing access to enterprise infrastructure, data center facilities, and a broader customer base in the Indonesian banking and financial services sector.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Oracle Financial Services Software: Oracle's suite of banking software products (Flexcube, Digital Banking) targeting large and mid-tier banks globally. Comparable to Collega as an enterprise core banking platform competitor, with Flexcube being a particularly relevant direct rival for Indonesian commercial bank opportunities.
• Fiserv: Major US-based banking and payments technology provider (DNA, Signature, Output Solutions). Comparable to Collega through its core banking and account processing offerings, though it operates a much wider financial-services portfolio targeting large and mid-tier banks.
• FIS (Fidelity National Information Services): Global banking and financial technology giant offering core banking (Profile, Modern Banking Platform) alongside a broad portfolio of risk, payments, and wealth solutions. Comparable to Collega at the core-banking level but operates as a much broader incumbent with global scale.

Regional players

• Anabatic Technologies: Indonesian IT services and banking solutions provider serving local banks and enterprises. Most directly comparable regional peer to Collega as a fellow Indonesian banking software and services vendor competing in the same domestic market segments.

Emerging players

• Thought Machine: Cloud-native core banking technology provider (Vault) focused on retail and business banking. Comparable as a next-generation core banking competitor to Collega's on-prem OLIBs724, particularly as Indonesian banks modernize their core systems.
• Mambu: Cloud-native, SaaS-style core banking platform targeting challenger banks and digital lenders, with growing presence in Southeast Asia. Comparable to OLIBs724 as a competing core banking option, but differentiated by cloud-native architecture versus Collega's on-prem deployments.

Direct peers

• Backbase: Digital banking platform provider offering engagement banking and digital channel solutions layered on top of core systems. Comparable to Collega's Omni Banking (OLIBsDigital Mobile, Internet, e-Money, Switching) and Smart Banking (BI/DWH, Digital Ecosystem) product lines, and a partner/competitor for Indonesian banks' digital transformation.
• Temenos: Global leader in core banking software serving retail, corporate, and Islamic banks across 150+ markets. Directly comparable to Collega as both sell licensed core banking platforms (Temenos T24/Temenos Transact vs. OLIBs724), with Temenos representing the international incumbent Collega competes against when targeting Indonesian commercial banks.
• Infosys Finacle: Infosys's flagship core banking suite, broadly deployed across Asia and emerging markets. Directly comparable to Collega's OLIBs724 in functionality and target customer profile (mid-tier and regional banks), and a primary competitor Collega would face when Indonesian banks evaluate global vendors.
• TCS BaNCS: TCS's core banking and financial services platform with strong presence in Asia and the Middle East. Comparable to Collega as a direct core-banking platform rival with established regulatory compliance modules and multi-currency, multi-jurisdiction capabilities.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/collega-inti-pratama-pt
• Instagraminstagram.com/collegaintipratama

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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 Collega Inti Pratama, PT