*Data is taken as of July, 2023
Company History
Fintopia Indonesia (PT Indonesia Fintopia Technology) is a subsidiary of Fintopia Inc. Founded in 2015 and headquartered in Beijing, China. Fintopia Inc. provides affordable financial services for everyone, especially for those unbanked and underserved. Fintopia Inc. quickly expands across Asia with Indonesia being its second largest market by transaction volume.
Fintopia Indonesia (established in 2017), led by its product Easycash, has 24 million cumulative registered users and has provided IDR30.5 trillion of total accumulative loans since its establishment. The company has more than 4 millions total accumulated borrowers with various backgrounds, such as small business owners, farmers, students, and other professions*.
Vision, Mission and Corporate Values
Vision
To be a leading global digital financial platform.
Mission
- Empower financial institutions with technology.
- Make users a credit-enhanced lifestyle with AI.
Be Efficient & Effective
Pursue Excellence
Be Open
Act Prudently & Optimistically
Shareholders
Board of Commissioners
Deng Linlin
President Commissioner
PT Indonesia Fintopia Technology
PT Indonesia Fintopia Technology
PT Indonesia Fintopia Technology Deng Linlin or commonly called by the name "Mr. Linlin" served as President Commissioner of PT Indonesia Fintopia Technology in accordance with the General Meeting of Shareholders "RUPS" Number 18 dated January 16, 2018 with Notary Emmyra Fauzia Kariana S.H., M.Kn in Jakarta.
He earned a Bachelor’s Degree in computer science from Fudan University in 2007. He also had experience working as a Product Manager at Tencent and also served as the Chief Risk Management Officer (CRO) at Shanghai Island Capital Co., Ltd in the private funding field which helped investors to get the right company to invest.
Freddy Karyadi
Commissioner
PT Indonesia Fintopia Technology
PT Indonesia Fintopia Technology
PT Indonesia Fintopia Technology Freddy has been practicing law in Indonesia for more than two decades. He is also one of the pioneers focusing on the Digital Industry and heads the Fintech practice team. He leads ABNR's team in handling many companies with Fintech and technology backgrounds.
He is a board member of AFTECH (Indonesian Fintech Association) and is also on the Editorial Board of the Journal of Derivatives and Financial Instruments of the International Bureau of Physical Documentation.
He has consistently been rated as a top lawyer by several International publications including Legal500, Asian Business Law Journal (Vantage Asia), IFLR 1000, and Asialaw over the past half decade.
Board of Directors
Dr Jonathan Chang
Chief Executive Officer
PT Indonesia Fintopia Technology
PT Indonesia Fintopia Technology
PT Indonesia Fintopia Technology Dr Chang is the CEO of PT Indonesia Fintopia Technology and serves as the Assistant Expert on International Maritime Relations to Admiral (Ret.) Professor Dr Marsetio. Previously, he held the position of Regional Head of Government Affairs at Shopify and served as the Country Head of Google for Education's Next Billion Users (NBU) in Indonesia. Before his time at Google, Dr Chang served as the Senior Advisor of Higher Education to the Minister of Education, Culture, Research, and Technology, Nadiem Makarim. He has led research centers, conducted research, and taught entrepreneurship and leadership courses at the Singapore Management University and the National University of Singapore.
In addition, Dr Chang has co-founded and advised several start-ups in America and Southeast Asia, helping to raise funds from Y-Combinator, 500 Startups, and other global investors. He is a renowned global speaker and media commentator, having given lectures and talks across six continents and written articles for numerous media outlets.
Dr Chang is a graduate of UC Berkeley, Stanford Business School, and Harvard Kennedy School of Government. He earned his doctorate degree from the University of Pennsylvania and is a Founding Member of ALUMNAS.
Victor Laoh
Director
PT Indonesia Fintopia Technology
PT Indonesia Fintopia Technology
PT Indonesia Fintopia Technology Mr Victor Laoh is Director of PT Indonesia Fintopia Technology. Amongst his responsibilities, Mr Victor Laoh serves as a key liaison between Fintopia and Indonesia’s governing agencies of the financial sector such as The Financial Services Authority (OJK), FinTech Association of Indonesia (AFPI), Bank of Indonesia, and Financial Transaction Reports and Analysis Centre (PPATK). Mr Victor Laoh has strong knowledge of Automatic Teller Machine (ATM), Electronic Data Capture (EDC), mobile banking (both Android and iOS), internet banking (individual and corporate), and middleware application.
Prior to Fintopia, Mr Victor Laoh worked at Panin Bank as Head of Regulatory System Division – he was responsible for regulatory systems such as RTGS, SKN, SLIK, among others. Mr Victor Laoh then moved to CIMB Niaga as an IT System Analyst for eChannel. In addition, CIMB Niaga appointed as Mr Victor Laoh as Solution Architect to assist companies carry out their digital transformation. Mr Victor Laoh played a crucial part in a number of company-wide projects.
Victor Laoh earned his Bachelor of Engineering degree at the University of Surabaya and Master of Management Majoring IT at BINUS Business School.
Board of Advisors
Jimmy Gani
Senior Advisor
PT Indonesia Fintopia Technology
PT Indonesia Fintopia Technology
PT Indonesia Fintopia Technology Mr Gani is Senior Advisor at PT Indonesia Fintopia Technology. Mr Gani is the founder and CEO of Orbitin Indonesia. Mr Gani also serves as the Chairman of Proven Force Indonesia, JG Corp, and JG Foundation, and Commissioner of Daniprisma Mitra Group and Senior Advisor to Tip Top Supermarkets.
In 2009, while serving as CEO of Sarinah, Mr Gani was awarded as the youngest CEO in the history of BUMN (State-own Enterprise). From 2014 to 2019, Mr Gani served as the Executive Director & CEO of IPMI International Business School. From 2016 to 2019, Mr Gani served as Advisor to the Minister of Villages, Disadvantaged Regions, and Transmigration of the Republic of Indonesia. During this time, Mr Gani also served as the Chair of YIP-SIP Creative Economy Park.
Mr Gani holds a Master's degree in Public Administration from Harvard University, the Kennedy School of Government, and a Bachelor of Arts in Economics from San Francisco State University. Currently, Mr Gani serves as President of ALUMNAS, which is the Indonesian Alumni Association at Colleges and Universities in the United States.
Nadjib Riphat Kesoema
Senior Advisor
PT Indonesia Fintopia Technology
PT Indonesia Fintopia Technology
PT Indonesia Fintopia Technology Ambassador Nadjib is Senior Advisor of PT Indonesia Fintopia Technology. Mr Nadjib has been the Indonesian Ambassador to Australia, Vanuatu, the European Union, Belgium, and Luxembourg. Throughout his career, Mr Nadjib has received cultural awards from the Belgian state, namely the Chevalier d'honorarium, from the Haute Confrerie Royal du Noble Corcieli of Oostende City, and the Order of St. Gregory the Great II of The Holy See by Pope John Paul II.
Currently, Mr Nadjib serves as the Commissioner of PT Global Manpower, the Chairman of the Advisory Board at IPMI International Business School, and a Senior Lecturer at the Center for Education and Training at the Ministry of Foreign Affairs. Mr. Nadjib has chaired various international conferences and represented Indonesia in various international forums. In 2011, Mr Nadjib served as Deputy Coordinating Minister for Political, Legal, and Security Affairs.
Mr Nadjib graduated from Padjadjaran University Bandung with a Master's degree in Social Psychology, specializing in Political Psychology. Mr Nadjib serves on the Board of Trustees of Padjadjaran University and the National Chair of the Duke of Edinburgh Award.
ATTENTION
PT Indonesia Fintopia Technology provides peer-to-peer (P2P) lending platform service under the name “Easycash”. Easycash is licensed and supervised by The Financial Services Authority as an Information Technology-Based Co-Funding Service in accordance with the provisions in The Financial Services Authority Regulation No. 10/POJK.05/2022.
Easycash’s Information Technology-Based Co-Funding Service (“Easycash Service”) is a civil agreement between the Lender and the Borrower, so that all forms of risk and legal consequences arising from it are fully borne by each party. Please ensure you understand the risks associated before you use Easycash Service.
The Lender is fully responsible for all funding risks of late or default payments arising out of the use of Easycash Service. No national entity or authority is responsible for any such risks or provides compensation for the losses or other consequences arising in connection with this matter in any form.
Easycash, with the approval of the respective Users (both Lender and Borrower), may access, acquire, store, administer and/or use the Users' personal data and information ("Data Utilization") on the Users' electronic devices (including smartphones or cellular phones), hardware, software, electronic documents, applications or electronic systems owned by the Users or controlled by the Users, by notifying the purpose, limitations and mechanisms of the data utilization to the Users concerned before obtaining such approval.
- Lenders who do not have sufficient knowledge and experience in the Information Technology-Based Co-Funding Service are not advised to use this Easycash Service.
- Borrowers should carefully consider the loan interest rate along with other costs in accordance with the ability to pay off the loan prior to using Easycash.
- All fraudulent activities will be recorded digitally in cyberspace and may potentially be informed to the public through social media and can be used as legal evidence according to the prevailing laws on electronic information and transactions in the event of dispute resolution and law enforcement.
- Users should read and understand this information before becoming a Lender or a Borrower on Easycash. The Users' decision to use Easycash Services proves that the Users fully understand this information.
- The Financial Services Authority is not responsible for any violation or non-compliance by the User (either the Lender or the Borrower), whether due to the User's faults or negligence of the laws and regulations or agreements between Easycash and the Lender and/or the Borrower.
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