Cermati is Indonesia's leading financial technology platform that makes financial products accessible to everyone. Founded in 2015 by ex-Silicon Valley engineers from Microsoft, LinkedIn, and Google, Cermati operates as a comprehensive financial services portal connecting millions of Indonesians with credit cards, loans, insurance, and investment products. The platform integrates directly with banks, insurance providers, and financial institutions to enable seamless, secure online transactions that would otherwise require in-person visits and complex paperwork.
Cermati's technology leverages data mining and AI to match users' risk profiles with suitable financial products, building systems capable of handling petabytes of data. The company is regulated by Indonesia's Financial Services Authority (OJK) and operates two main business units: Cermati.com for financial product comparison and distribution, and Cermati Protect for insurance brokerage services. Through its mobile apps and web platform, Cermati has established itself as Indonesia's Financial Super App, serving customers nationwide with products ranging from digital gold and mutual funds to paylater solutions and insurance.