KrediOne Company Profile

Background

Overview

KrediOne, formerly known as 360Kredi, is a digital lending platform based in Indonesia, operating under PT Inovasi Terdepan Nusantara. Established in September 2019, the company has rapidly evolved to become a significant player in Indonesia's fintech landscape. In May 2025, KrediOne rebranded from 360Kredi to strengthen its position in the digital lending sector and to better align with its mission of providing secure, fast, and inclusive financial services.

Mission and Vision

• Mission: To offer inclusive, innovative, adaptive, secure, and trustworthy online loan solutions, prioritizing technology, governance, risk management, and consumer protection.

• Vision: To be a reliable digital financial partner addressing evolving challenges and connecting with communities across Indonesia.

Primary Area of Focus

KrediOne specializes in peer-to-peer (P2P) lending, connecting borrowers and lenders through its digital platform. The company focuses on providing unsecured loans with high limits, low-interest rates, and flexible repayment terms, catering to the diverse financial needs of the Indonesian population.

Industry Significance

As a licensed and regulated entity by Indonesia's Financial Services Authority (OJK), KrediOne plays a crucial role in promoting financial inclusion and literacy. Its commitment to consumer protection and responsible lending practices contributes to the overall growth and stability of the fintech industry in Indonesia.

Key Strategic Focus

Core Objectives

• Financial Inclusion: To provide accessible financial services to underserved segments of the Indonesian population.

• Innovation: To continuously enhance digital lending solutions through technological advancements.

• Consumer Trust: To build and maintain trust by ensuring transparency, security, and responsible lending practices.

Specific Areas of Specialization

• Unsecured Loans: Offering personal loans without the need for collateral.

• Flexible Repayment Terms: Providing adjustable loan tenures and repayment schedules to suit individual borrower needs.

• Low-Interest Rates: Ensuring competitive and affordable interest rates in compliance with OJK regulations.

Key Technologies Utilized

• Artificial Intelligence (AI): Implementing AI for credit scoring, risk assessment, and fraud detection to enhance decision-making processes.

• Digital Platforms: Utilizing mobile applications and web interfaces to facilitate seamless loan applications and management.

Primary Markets or Conditions Targeted

• Urban and Rural Populations: Serving both city dwellers and individuals in remote areas with limited access to traditional banking services.

• Small and Medium Enterprises (SMEs): Providing financial solutions to support the growth and sustainability of SMEs across Indonesia.

Financials and Funding

Funding History

KrediOne has demonstrated significant growth in its financial performance:

• September 2025: The company reported a total loan disbursement of IDR 5.4 trillion, marking a 390% increase compared to the same period in the previous year.

• May 2025: KrediOne experienced a 7.6% increase in loan disbursements compared to April 2025, indicating a positive trend in demand for its services.

Recent Funding Rounds

Specific details regarding recent funding rounds, total funds raised, and notable investors are not publicly disclosed.

Intended Utilization of Capital

While exact allocations are not specified, the capital is likely directed towards:

• Technology Development: Enhancing AI capabilities and digital platforms.

• Market Expansion: Reaching underserved regions and demographics.

• Regulatory Compliance: Ensuring adherence to OJK's capital requirements and industry standards.

Pipeline Development

Key Pipeline Candidates

KrediOne's primary offerings include:

• Personal Loans: Unsecured loans with flexible terms.

• SME Financing: Tailored financial products to support small and medium-sized enterprises.

Stages of Product Development

As a fintech company, KrediOne focuses on the continuous development and refinement of its financial products and services.

Target Conditions

The company's products aim to address:

• Financial Accessibility: Providing loans to individuals without access to traditional banking.

• Business Capital Needs: Offering funding solutions for SMEs to foster growth and innovation.

Relevant Timelines for Anticipated Milestones

Specific timelines for upcoming product launches or service enhancements are not publicly disclosed.

Technological Platform and Innovation

Proprietary Technologies

• AI-Driven Credit Scoring: Utilizing machine learning algorithms to assess creditworthiness and mitigate risk.

• E-KYC (Electronic Know Your Customer): Implementing digital verification processes to streamline customer onboarding and ensure compliance.

Significant Scientific Methods

• Data Analytics: Employing advanced analytics to monitor loan performance and customer behavior.

• Risk Management Models: Developing predictive models to identify and manage potential defaults.

AI-Driven Capabilities

• Automated Loan Processing: Accelerating loan approval and disbursement through AI automation.

• Fraud Detection Systems: Enhancing security by detecting and preventing fraudulent activities in real-time.

Leadership Team

Key Executive Profiles

• Kuseryansyah: Chief Executive Officer (CEO)

• Professional Background: Extensive experience in the fintech industry, leading digital transformation initiatives.

• Key Contributions: Spearheaded the rebranding from 360Kredi to KrediOne, emphasizing customer-centric strategies.

Leadership Changes

No recent significant changes or appointments within the company's leadership have been publicly announced.

Market and Competitor Profile

Market Insights and Dynamics

The Indonesian fintech lending industry has experienced substantial growth, with outstanding financing reaching IDR 80.02 trillion by March 2025, marking a 28.72% year-on-year increase. The sector continues to expand, driven by increasing digital adoption and the need for accessible financial services.

Competitor Analysis

Key competitors include licensed fintech lending platforms such as Kredit Pintar, KreditGoGo, and KreditPlus. These competitors primarily focus on offering unsecured loans, SME financing, and digital financial services, utilizing similar technologies including AI for credit scoring and risk management. Many have secured significant funding and rapidly expanded their user bases.

Strategic Collaborations and Partnerships

KrediOne has engaged in various partnerships to enhance its service offerings:

• Environmental Initiatives: Signed a memorandum of understanding with a mangrove community in Jakarta to promote environmental conservation.

• Educational Outreach: Collaborated with Universitas Negeri Sebelas Maret (UNS) to educate students on fintech and raise awareness about illegal lending practices.

Operational Insights

KrediOne differentiates itself through:

• Customer-Centric Approach: Shifting from a product-centric to a customer-centric model to better meet user needs.

• Regulatory Compliance: Ensuring adherence to OJK regulations, including maintaining the required minimum equity of IDR 12.5 billion.

Strategic Opportunities and Future Directions

Strategic Roadmap

• Market Expansion: Targeting underserved regions and demographics to broaden the customer base.

• Product Diversification: Developing new financial products tailored to various customer segments.

• Technological Advancements: Continuing to invest in AI and data analytics to enhance service efficiency and customer experience.