Achievable outcomes
Four stakeholders, one answer.
Digital banking: fast to market
VA and QRIS acquiring launch without waiting in the core banking queue — the system is already proven in national bank production.
IT & the board: keep control
Brand, customer relationships, and fee-based income stay with the bank — they don't shift to an aggregator. The platform stands beside core banking, connected via integration.
Compliance & procurement: audit-ready
Certifications, audit trails, and reporting designed to Bank Indonesia requirements — due diligence documents available before the RFP even starts.
The problem today
Building it yourself means paying three times: team, time, and compliance.
This is what we hear from bank digital banking, IT, and compliance teams:
The core banking queue
VA and QRIS initiatives compete with core projects on the IT roadmap — and almost always lose the priority battle.
Standards that keep moving
Bank Indonesia's requirements evolve, and the system has to follow. We experienced it ourselves when we rebuilt every system in 2021.
Payment talent is scarce
Recruiting and retaining a team that understands switching, settlement, and certification is not a one-quarter job.
Generic vendors don't speak bank
Core banking integration, audit trails, and procurement due diligence need a partner used to being examined by banks.
How SPE solves it
White-label architecture: the bank out front, SPE behind.
Customers and merchants only ever see the bank's channels. SPECVA and QRISAN handle VA issuance, merchant onboarding, switching, and reconciliation — connected to core banking and Bank Indonesia reporting. Deployment follows your institution's data policy.
Assessment & design
Mapping products, channels, core banking, and launch targets with your team.
Integration & configuration
Core banking adaptors, product configuration, and reporting schemas.
Testing & certification
End-to-end scenarios with the bank's team; technical certification where required.
Go-live & operations
Scheduled cut-over, monitoring, and help desk from SPE's in-house team.
Products for banks
Two core engines — and one path to becoming a facilitator.
SPECVA — Virtual Account Management System
Issue and manage virtual accounts for billing, top-ups, and corporate customer collection — under your bank's brand.
Explore SPECVA
QRISAN — QRIS Acquiring Management System
Your bank becomes the acquirer: merchant onboarding, transactions, settlement, through to reporting — from one system.
Explore QRISANWant your bank to serve institutions and regional governments as a bank facilitator — the way it has run with Bank DKI since 2022? See CRING! →
Portfolio
Running in production, behind banks you know.
The first VA Credit system for BNI.
A digital wallet & the YAP! QR payment system with BNI.
The first QRIS acquiring on our platform, with Permata Bank — now QRISAN.
A second QRIS acquiring with BNI; every system rebuilt to Bank Indonesia standards.
QRIS, VA Credit, and Debit with Bank DKI; CRING! Bank Facilitator launched; Digital Loan Enabler developed.
The PJP Category 3 licence from Bank Indonesia.
Implementation portfolio
For risk & procurement teams
Everything usually asked before an RFP — licences, certifications, infrastructure, and security controls — gathered in one place.
- PJP Category 3 licence — Bank Indonesia (2024)
- PCI DSS — certified by QRC
- ISO/IEC 27001:2022 — TÜV Rheinland
- ISO 37001 — BSI
- 2 HA data centers: Lintasarta & DCI Indonesia
- Cloud: Google Cloud
Next step
Start with a conversation, not an RFP.
The three steps banks usually take with us:
Needs discussion
With SPE's product and compliance teams — mapping your products, channels, and core banking.
Due diligence
Licence, security, and infrastructure documents through the Trust Center.
Solution design
Architecture, integration plan, and a proposal for your bank's environment.
Talk to the SPE team
We reply to your work email. First conversations are with the product team — not a sales script.