Cermati.com

Cermati.com is an Indonesian financial technology platform, founded in 2015, that operates a comprehensive financial services portal connecting consumers with credit cards, loans, insurance and investment products. Its stated aim is to make financial products accessible to everyone, replacing in-person visits and paperwork with digital transactions. The company operates nationwide across Indonesia and is regulated by the country's Financial Services Authority (OJK).

The business is organised into two units. Cermati.com runs the comparison and distribution platform covering credit cards, loans, insurance, digital gold, mutual funds and paylater solutions; Cermati Protect provides insurance brokerage services. These are delivered through mobile apps and a web platform described as a financial super app, which serves millions of Indonesians.

Engineering work spans data mining, artificial intelligence and machine learning for risk-profile matching, and big data engineering at petabyte scale. Further domains include fintech platform engineering, mobile and web application development, secure online transaction systems, and integration with banks and other financial institutions. Systems are built to handle petabytes of data.

The company was founded by former engineers from Microsoft, LinkedIn and Google and describes its culture as engineering-driven and rooted in that Silicon Valley experience, with a mission-oriented focus on financial inclusion.