Technology and Analytics to Enable Financial Services

Nikel is a fintech helping banks and non-banks improve access to financials services. We leverage technology and analytics to deliver a suite of products to our customers in Indonesia.

Contact Us

Our Products

We provide end-to-end lending solutions to banks and technology companies through combination of credit analytics and digital lending technology.

Learn More

We provide end-to-end lending solutions to banks and technology companies through combination of credit analytics and digital lending technology.

Loan Onboarding

Digital Onboarding Service (DOS)
User Management Workbench (WMW)
Workflow Management Workbench (WMW)

Loan Management

Loan Transaction Service (LTS)
Loan Notification Engine (NFE)
Collection Management Systems (CMS)

Analytic Services

Fraud Detection Systems (FDS)
Credit Decision Engine (CDE)
Analytics Consulting Services (ACS)

Loan Onboarding

Credit Decisioning Engine

Fraud Detection System

Learn more

Our Products

Nikel Lending

Nikel disburses a loan facility to company to finance their SME customers. Most recently, we launched the Finclusion program that helps W-SMEs grow their businesses through a series of educational modules and loan application.

Nikel Technology

Nikel offers a central platform where customer can manage all or parts of the lending journey either inhouse or across third parties.

Nikel Analytics

Nikel offers two types of analytics: Advisory, and Fraud. We handle various advisory consulting projects on risk and analytics, and to assess the risk of fraud.

Unlock the Entrepreneurial Potential of Small Businesses

Rosa manages

Rosa manages the inventory of her clinic in East Java, and receives credit lines to ensure she’s adequately equipped to serve her community.

Rosa manages

Suhadin runs a small trucking company. He transports a lot of goods for large companies but they usually take two months or more to pay his invoices. With Nikel financing, Suhadin can get paid upfront for deliveries to avoid working capital shortages.

Rosa manages

Mirna owns a wholesale store in North Sumatra selling essential goods. She’s using Nikel financing to help her purchase inventory to ensure she has enough stock without needing the cash upfront.

Nikel News

Women Empower Women (“WOW”) Event
March 19, 2024 Press Release

Women Empower Women (“WOW”) Event

USAID and Nikel introduce Bu Mira, revolutionizing business growth for Women-led Small and Medium Enterprises (“W-SMEs”) in Indonesia
January 18, 2024 Press Release

USAID and Nikel introduce Bu Mira, revolutionizing business growth for Women-led Small and Medium Enterprises (“W-SMEs”) in Indonesia

Indonesian Resilience Fund – A year in review
May 24, 2022 Impact News | Internal Update | Press Release

Indonesian Resilience Fund – A year in review

Shape the Future of Small Business Lending

At Nikel, we trouble shoot clients' key challenges in lending through code.

Join Us
Sign up to our newsletter systems to get latest news from us

  • Indonesia Office

    Atria @ Sudirman 22 Fl., Jl. Jendral Sudirman Kav. 33A, Karet Tengsin, Tanah Abang, Jakarta Pusat 10220

  • Singapore Office

    108 Pasir Panjang Road #03-09, Golden Agri Plaza, Singapore 1185355

  • Get in Touch

    info@nikel.com

About Us

Quick Links

Social Media

Follow us on LinkedIn for latest updates and open positions.

Security Standard

Copyright © 2025. All rights reserved.

Terms & Conditions | Privacy Policy