Executive Team

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 underbanked. 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 11 million cumulative registered users and has provided $1 billion USD worth of consumer loans for 2 million people such as small business owners, farmers, students, and other working professionals*.

While many companies are experiencing slow growth post the pandemic, Fintopia Indonesia is bucking the trend, growing during the pandemic with portfolio quality intact - that in itself speaks volume to its big data technologies and cutting-edge machine learning algorithms.

* Data is taken as of July, 2022

Vision, Mission and Corporate Values


To be a leading global digital financial platform.


Empowering financial institutions with technology; Making users a credit-enhanced lifestyle with AI.

The Value of the Company

Be Efficient &


Pursue Excellence

Be Open

Act Prudently &


Profile of Shareholders

Board of Commissioners Profile

Deng Linlin

President Commissioner 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 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

He 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 Profile

Victor Laoh

Director 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 Financial Services Authority of Indonesia (OJK), FinTech Association of Indonesia (AFPI), Bank of Indonesia, and Financial Transaction Reports and Analysis Centre (PPATK). Mr Victor Laoh has strong knowledge in 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 system 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 University of Surabaya and Master of Management Majoring IT at BINUS Business School.

Board of Advisors Profile

Jimmy Gani

Senior Advisor 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

Ambassador Nadjib is Senior Advisor of PT Indonesia Fintopia Technology. Mr Nadjib has been the Indonesian Ambassadors to Australia, Vanuatu, the European Union, Belgium, and Luxembourg. Through 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.