Multifinance Core System as the Backbone of Financing
For operational excellence, driving financing success.
CONFINS is used by 73% of multifinance companies with assets above IDR 10 trillion and manages more than 5,000,000 active contracts.
CONFINS complies with OJK regulations without slowing multifinance growth.
CONFINS.R3 enables improvements based on specific pain points without disrupting the existing ecosystem. The system also supports API integration for cross-platform collaboration.
AdIns is committed to fully implementing the core system in every required project.
Established since 2000, AdIns is built by a professional team with deep expertise in the multifinance industry. This expertise became the foundation for developing CONFINS, an end-to-end system that supports core operations and delivers digital innovation aligned with market needs in the digital
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In 2023, BNI Finance shifted its focus from corporate financing to consumer financing. This strategic change brought operational challenges. Corporate financing differs significantly from consumer finance, which requires higher data loads, faster processes, and high volume operations. These challenges became the key driver for BNI Finance to transform its core system.
BNI Finance adopted CONFINS.R3, supported by mobile applications, mobile survey, and mobile collection. These three tools improved field team performance and digitized end-to-end business processes, resulting in more efficient operations.
With the implementation of CONFINS.R3, BNI Finance achieved a sixfold revenue increase within six months.
Transparency, automation, and high mobility are the key to achieve operational excellence in the modern day. With CONFINS.R3 you could implement each and every module separately. Every module was designed specifically to minimise your time to market and speed up the process by automating your financing business.
CONFINS is AdIns’ core finance system for multifinance companies. It unifies loan origination, loan management, and collections in one platform. Its modules cover the full financing lifecycle: Loan Origination System, Loan Management System, Collection Management System, Asset Management System, Treasury Management System, Finance Management System, eGL, and Credit Decision Engine. CONFINS supports consumer finance, Buy Now Pay Later, operating lease, heavy equipment financing, factoring, and sharia financing.
Yes. CONFINS is built to meet OJK regulatory requirements without slowing down multifinance growth, so compliance becomes part of daily operations rather than a separate burden. For data protection, AdIns holds ISO/IEC 27001:2022 certification for information security management. The system’s security is also updated regularly to protect customer data from unauthorized access.
73% of multifinance companies with assets above IDR 10 trillion use CONFINS as their core finance system, managing more than 5 million active contracts. AdIns has served the multifinance industry since 2000 and maintains a 100% implementation success rate. For example, BNI Finance adopted CONFINS.R3 when it shifted to consumer financing and achieved a sixfold revenue increase within six months.
Yes. CONFINS.R3 uses a microservices architecture, so each module can be implemented separately based on your most pressing operational needs. For example, you can start with the Loan Origination System to speed up disbursement or the Collection Management System to reduce NPL, then add other modules as your business grows, without disrupting your existing ecosystem.
Yes. As a core finance system, CONFINS supports API integration, so it can connect with banking applications, financial systems, and third-party platforms such as customer relationship management (CRM) tools. Within the AdIns ecosystem, CONFINS integrates directly with AdIns Mobile for field officers, LiteDMS for centralized document management, and eendigo for API-based fund disbursement.
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