OJK Maintains List of 96 Licensed Fintech Lending Platforms

Regulatory Update for Digital Lending Services

The Financial Services Authority (OJK) has maintained its list of licensed fintech lending platforms at 96 operational companies as of January 2026. The latest update on December 22, 2025, confirms that these platforms have met all regulatory requirements and are under the supervision of the OJK.

Consumer Protection Measures

The OJK emphasizes the importance of consumers verifying the legitimacy of digital lending services before use. This regulatory oversight aims to protect consumers from illegal lending practices that could potentially cause financial harm. The authority continues to monitor these platforms to ensure compliance with existing regulations.

Regulatory Compliance and Oversight

The 96 licensed platforms have demonstrated compliance with OJK's licensing requirements. As stated by the OJK, 'Sampai dengan 31 Oktober, total jumlah penyelenggara LPBBTI/Fintech P2PL yang berizin OJK adalah sebanyak 96 perusahaan.' This indicates a stable number of licensed operators entering 2026.

Implications for Consumers and Industry

Consumers are advised to check the official OJK website for the latest list of licensed fintech lending platforms. This verification process is crucial in avoiding illegal lending services that are not regulated by the OJK. The continued regulatory oversight demonstrates the OJK's commitment to maintaining a safe and transparent digital lending environment in Indonesia.