Software Development
Web, mobile, and enterprise software built around your business process, using modern technology and agile delivery, for a rollout that is fast, secure, and ready to grow with the business.
Learn MoreAccelerate Your IT Future
Off-the-shelf or bespoke B2B software, internship and work-placement programmes, and Daksara training for fresh graduates. Pick the track that fits what you need.
Why Us
PT Digital Amore Kriyanesia, Turning business challenges into meaningful digital solutions.
We help financial institutions, businesses, and organizations transform the way they work through secure, structured, and scalable digital solutions designed to support sustainable growth.
From technology consulting and software development to digital products and talent development, DAK works as a trusted technology partner with a deep understanding of our clients’ business needs.
- Year Experience
- 8+
- Digital Partnership
- 32+
- Product
- 14+
Services
Three Core Pillars for Transforming Your Business
An integrated ecosystem that answers Indonesia's technology challenges comprehensively, with a modern approach.
Consulting
We help financial institutions and businesses map where digital transformation actually pays off, design a solution architecture that fits, and set an implementation roadmap aligned with both the regulations and how you operate day to day.
Learn MoreBusiness Products
A set of ready-to-use software products, born from actually implementing systems across industries from banking to cooperatives. Use them as they are, or have them tailored to what your institution needs.
Learn MorePortfolio
Our Products & Projects
Technology we have implemented for strategic institutions across Indonesia.
Banking & Rural Banks
Navista
Planning, monitoring, and governance for BPR in one platform.
Import monthly OJK reports once, automatically used for RBB, health level assessment, GCG, risk management, and internal audit. Consistent data, traceable anytime.
- Direksi
- Manajemen Resiko
- SKI
- Satuan Kepatuhan
Banking & Rural Banks
LAS
Approve Smarter, Grow Faster
Accurate, structured credit analysis and approval at speed, with scoring and monitoring included.
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Associations & Organisations
Perbarindo (SIP)
One Platform for BPR/BPRS Organisations and Their Members
Membership, dues, certification, and a collateral marketplace, all from one central dashboard.
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Banking & Rural Banks
Virtual Account Management Systems
Transactions, Billing & Social Aid in One Account
Manage social-aid distribution, fund transfers, and daily transactions from one place, straightforward and easy to trace.
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Blog
Latest News & Insight
Analysis and digital transformation strategy for Indonesia's financial ecosystem.
13 Rural Banks Closed in 2026: Causes and Lessons | DAK
OJK revoked the licenses of 13 rural banks (BPR and BPRS) by 1 September 2026, after 20 in 2024 and 7 in 2025. This article looks…
7 min read
24
Digital Banking
How to Prepare a Rural Bank Business Plan (RBB) Under OJK Regulations
A practical guide to preparing a Business Plan (RBB) for rural banks (BPR) under POJK 15/POJK.03/2021 and SEOJK 24/SEOJK.03/2025:…
9 min read
78
Technology & Innovation
Adopting Generative AI for Customer Service
How financial institutions bring generative AI in gradually, safely, and within regulation, to serve customers better.
1 min read
162
FAQ
Frequently Asked Questions
The questions we hear most about our services and how we work together.
PT Digital Amore Kriyanesia (DAK) is an IT consultancy that builds B2B software for financial institutions and businesses.
No. Most of our portfolio does sit in banking, but our capability covers B2B software for financial institutions and businesses more broadly, as ready-made products or as bespoke development.
DAK offers more than 14 B2B software products, among them Digital Office (HRIS & E-Office), CRM, Koperasi, Integrated Loan Approval System, Mobile Collection, Virtual Account, Raharjo, CMS Pembayaran Desa, SFA, and Perbarindo (SIP). Each is built for a specific need across banking, cooperatives, and distribution.
Several of our products are designed with regulatory compliance in mind from the development stage. Digital Office, for example, carries a BPR competency-certification module following POJK No. 19/2023, while CRM ships with UU PDP and POJK compliance built in.
Several DAK products are already designed to work together. CRM, for instance, connects directly to the Integrated Loan Approval System. For integration with outside systems, the scope is set per project.
Several of our products include security features as standard: audit trails, tiered approval flows, and PII masking (on CRM). Deeper technical detail can be discussed against the specific product you choose.
Start with a requirements consultation through Schedule a Demo or Contact Us. Our team will help fit a solution to your institution before moving on to the next stage.
Let's Talk About Your Technology Needs
Our specialists will help you design an IT ecosystem that is adaptive, secure, and built for measurable business growth.
Start a Project Discussion