Working behind the scenes since 2016.
Payment infrastructure for banks and businesses across Indonesia — a Financial Management Technology Platform For Modern Business. Licensed by Bank Indonesia as a Category 3 Payment Service Provider (PJP) since 2024. #makeITsimple
Vision & mission.
Vision
To be the market leader in Indonesia's digital transaction fintech.
Mission
1. Make every transaction easier, safer, and more affordable through continuous technology innovation.
2. Drive inclusive economic growth so that every financial transaction creates value — for people and businesses across Indonesia.
How we work: shadow — behind other brands
Our products rarely face the public. They work behind the scenes — the gateway, switcher, and aggregator that helps partner brands grow. Our partners' success is how we measure ours.
Our working promise: #makeITsimple
Making the complicated simple for our partners. Three brand keywords — simple, modern, elegant — guide how we build products, write documentation, and support implementations.
“We are determined to become one of Indonesia's leading fintech companies, helping partners and the government promote cashless transactions to strengthen Indonesia's economy. With a dependable team, we have much to share about the latest developments in the fintech sector.”
Nico Amon — President Director, SPE Solution
2016 → 2025: from a single VA application to a BI-licensed platform.
Every milestone is verified in SPE's official 2026 company profile.
- 2016
Development of the VA Credit application for BNI — the start of SPE's track record in banking production environments.
- 2017
Focus on acquisition and further development of the VA Credit system.
- 2018
Achieved PCI DSS certification.
- 2019
Developed VA Credit, a digital wallet, and the YAP! QR payment system with BNI.
- 2020
First QRIS acquiring system, with Permata Bank.
- 2021
Second QRIS acquiring system, with BNI; full system rebuild to Bank Indonesia standards.
- 2022
Developed the CRING! bank facilitator plus QRIS acquiring and VA Credit systems with Bank DKI.
- 2023
Launched Bank DKI's QRIS, VA Credit, and Debit; launched the CRING! Bank Facilitator; developed the Digital Loan Enabler.
- 2024
Rebranded the core VA & QRIS systems as SPECVA & QRISAN; obtained the PJP Category 3 licence from Bank Indonesia.
- 2025
Developed the new CRING! Rekening Dana Lender (RDL) feature; developed a new Point of Sales (POS) product, CRING! Point; launched QRISAN acquiring for Bank Bukopin Syariah, Bank Jateng, and Bank Kaltimtara.
Board of commissioners & directors.
Management
| Name | Role |
|---|---|
| Rio Agustra Anjany | VP Product Development |
| Rivalino Alfa Joshua | Finance, Accounting & Tax Manager |
| Puji Raharjo | IT Infrastructure, Network & Security Manager |
| Yohanes Jhon Herels Boyoh | IT Development Manager |
| Agid Kusprasetyo Jati Wibowo | Business and Relationship Manager |
| Feri Harsanto | Research and Development Manager |
| Tiara Maulida | Head of Human Capital |
Seven divisions, one full cycle.
From research and development to infrastructure, security, and business relationships — all handled by our in-house team.
2025 activities.
| Year | Activity |
|---|---|
| 2025 | Fintech Connect Networking Night 2025 |
| 2025 | Indonesia Digital Bank Summit 2025 |
| 2025 | Mandiri BFNfest |
| 2025 | THE 1st BPR GREEN Swing Tournament 2025 |
| 2025 | JBN Golf 2025 |
Two offices, two functions.
Core Office
Ruko Great Wall blok A no. 17-20, Jl. Green Lake City Boulevard, Kota Tangerang – Banten 15147
Phone: (021) 5431 4531
Email: info@spesolution.com
Integrity Office
Ruko CBD Korean Town, RCBB No. 22-23, Jl. Green Lake City Boulevard, Kota Tangerang – Banten 15147
A separate office for the integrity function — see the Trust Center.
Instagram @spesolution and @spe.inside · LinkedIn, Facebook, YouTube: “SPE solution”.
Get to know us through the documents.
Our company profile, licences, and certifications are available for your evaluation — starting with a short conversation with our team.