Cermati

Founded in 2015 by former Silicon Valley engineers Andhy Koesnandar, Oby Sumampouw, and Carlo Gandasubrata, Cermati's mission is to advance financial inclusion in Indonesia through technology. The company operates a leading financial e-commerce marketplace, Cermati.com, where users can access information, compare, and apply for a wide range of products including credit cards, loans, insurance, and investments. In addition to its consumer-facing platform, Cermati also operates a B2B arm, Cermati Fintech Group, which provides technology solutions like credit scoring, digital verification (e-KYC), and loan origination systems to financial institutions.