FinTech Guide 2026 : Indonesia
Provided by ALTA Advocates
ALTA Advocates is recognised for its strong capabilities in the Financial Technology (Fintech) sector, combining regulatory expertise with practical, industry-grounded insight. The practice is led by Dimas Triandhanu Utomo and Raditya Kosasih, both formerly with Gojek, bringing deep understanding of technology, payments, regulation, platform operations, and digital ecosystem strategy.
ALTA’s work spans digital payments, e-wallets, peer-to-peer (P2P) lending, embedded finance, neobanks, buy-now-pay-later (BNPL), and financial technology innovation (ITSK), including credit scoring, blockchain-based payment products, regtech, e-KYC, insurtech, robo-advisory, payment service providers, and financial infrastructure platforms. The firm advises early-stage and scale-up fintech companies and financial institutions digitising services or forming strategic tech partnerships. ALTA provides clear guidance on frameworks issued by Bank Indonesia, OJK, and the Ministry of Communication and Digital Affairs, including licensing, sandbox participation, consumer protection, data-sharing structuring, and data protection compliance.
Beyond regulatory advisory, ALTA handles transactional and commercial work, including payment and platform agreements, strategic acquisitions, data-sharing collaborations, embedded finance integrations, cross-border payment connectivity, PDP compliance, industry training (AFSI, AFPI, credit bureaus), and cryptocurrency-related ventures.
Provided by Chambers
ALTA Advocates acts for start-up and scale-up FinTech businesses in respect of commercial, privacy and data protection and financial regulatory matters. Among its clients are peer-to-peer lenders, e-commerce and e-money companies and digital banking providers.
Dimas Triandhanu Utomo is a key contact.
Provided by Chambers
ALTA Advocates advised investment platform Ajaib on OJK and Bappeti regulation in relation to its crypto business.
Provided by Chambers
ALTA's lawyers adapt their advice for an operational lawyer's POV, giving resolutions to help the business to move forward.
What stands out most is ALTA's ability to translate complex legal concepts into clear, actionable advice that aligns with my strategic goals.
ALTA has great technical agility and an awareness of technology.
Provided by ALTA Advocates
Dyah Ayu Saraswati
Nabila Oktavia Annyndira
Nicholas Glenn
Regina Wangsa
Daffa Ridho
Fadlan Pramudya
Raditya Kosasih
Head of Department
Dimas Triandhanu Utomo
Chambers is the leading data and intelligence partner for the legal sector.
