DIGITAL BANKING
Leading banks and financial institutions are increasingly expanding and diversifying their products and services to meet the evolving needs of clients. Investing in customer-oriented cloud-based digital innovations has become a priority, creating an unexpected new ecosystem to serve diverse customer needs. In an increasingly competitive landscape, major tech companies are entering the field with substantial capital, cutting-edge technology, and loyal audiences.
Since 2006, SmartOSC has partnered with leading financial institutions to deliver highly adaptive and intuitive data-led solutions through our development teams and partners. We support transformations in customer experience, security, and product innovation, providing you with peace of mind in navigating the ever-changing dynamics. By building a trusted and integrated ecosystem, we help organizations digitize their capabilities, assets, and channels, achieving business goals more quickly and efficiently.

Our Offering
Why SmartOSC?
Our comprehensive, ready-to-use solutions allow you to:
Experience World-Class Banking
With access to world-class advantages from Backbase, Temenos, Thought Machine, Facetec, CRIF, and others, SmartOSC offers solutions tailored to local market needs and banks.
Increase Cost Efficiency
With a team experienced in digital banking platforms and proven case studies across the region, our clients can reduce implementation costs by up to 60%.
Optimize Time-to Market
By using our ready-to-use banking modules, banks can shorten their time to market when transitioning to digital by implementing their first MVP in just four months.
Lead with Deep Banking Expertise
Our comprehensive understanding of the banking landscape, shaped by a team of industry veterans, allows for solutions that integrate seamlessly into existing infrastructures.
Try Our Engagement Banking Solutions
Move from outdated legacy barriers to simplified engagement in an instant.
Our solutions are a catalog of pre-built banking modules that can be flexibly combined to build an innovative bank while minimizing implementation risks.
No matter your line of business—Retail Banking, Business Banking, or Wealth Management—prepare to transform separate banking channels, reduce market risks, and continuously enhance customer experiences with the features we have prepared.

Our Blog
The Role of System Integration in Indonesia's Digital Transformation
Peran System Integrasi Indonesia Dalam Digital Dalam era digital yang terus berkembang, System Integrasi merupakan kunci dari transformasi digital di perusahaan yang merupakan [...]
The Future of Consumer Connections: Can Small Brands Compete with Giants?
Can Small Brands Beat the Giants? In the ever-evolving digital era, System Integration is the key to digital transformation in companies which is one [...]
Digital Maturity Will Drive High-Value Manufacturing Growth in Southeast Asia: How Can We Achieve This?
Digital Maturity Will Drive High-Value Manufacturing Growth in Southeast Asia In the ever-evolving digital era, System Integration is the key to transformation [...]