Fintech P2P lending
OJK-regulated platforms: AI debt recovery and early-warning contact within the rules.
AI for Indonesia
NPL is climbing. Manual collections cannot keep up.
Nova reaches borrowers over WhatsApp and voice in Bahasa Indonesia, inside OJK limits on timing and frequency, around the clock.
How Nova fits Indonesia
OJK-aware
Built for POJK 10/2022 on P2P lending and POJK 22/2023 on consumer protection.
UU PDP-compliant
Indonesia's Personal Data Protection Law, UU 27/2022, is built in.
Bahasa Indonesia, natively
Formal and casual Jakartan register, with code-switching to English in the same conversation.
WhatsApp Business API
Indonesia's default messaging channel, treated as first-class, not an afterthought.
What this looks like in Indonesia.
P2P fintech and BNPL platforms lose billions of rupiah a month to manual collections that are slow and inconsistent. Nova contacts borrowers over WhatsApp and voice in Bahasa Indonesia, respecting OJK rules on time, frequency, language, and disclosure, 24 hours a day, without adding headcount. Recovery rates go up. Cost to collect comes down.
- 24/7
- borrower contact, inside OJK limits
- the default channel, treated first-class
- Bahasa
- Indonesia native, with English code-switching
Where Nova ships in Indonesia.
Every Nova deployment in Indonesia runs on the same AI runtime. Each industry plugs its own workflow into it.
BNPL platforms
High-volume delinquency recovery that holds up at thin-margin economics.
Banks
Card collections, microfinance, and consumer-loan operations at scale.
E-commerce
Customer service, cart recovery, and WhatsApp marketing on one runtime.
Healthcare
Patient appointments, reminders, and insurance flows handled in-language.
Property tech
Lead qualification, viewing bookings, and tenant management without the manual chase.
Compliance, built in
The audit trail is part of the product.
Nova is built around POJK 10/2022 on P2P lending and POJK 22/2023 on consumer protection. Every contact attempt respects OJK rules on time, frequency, language, and disclosure. WhatsApp is supported first-class through templates, sessions, and rich media, with UU PDP 27/2022 consent and retention handled in the platform.
See the Indonesia recovery demo.
Send your portfolio size or a collections workflow, and we send back a tailored recovery estimate within 48 hours. Twenty minutes, no pitch.