Lending & Digital Payments
Q-FAST
Disburse fast, repay on time. UMKM loan payout and repayment through QRIS.
Quick Financial Access and Settlement · Available
Core Capabilities
- 01.
Loan Disbursement
Application, approval, and payout run in one flow, landing in the borrower's e-Wallet.
- 02.
QRIS Repayment
Instalments are deducted from merchant QRIS transactions, with no manual transfer to wait for.
- 03.
Settlement & Reconciliation
Settlement positions and ledger sync with the core system, with reports assembled automatically.
Product Screens
The interfaces below illustrate how the product works. Screens are shown in Indonesian, as they are in the product. Figures, table names and batch codes are sample data, not production data.
The Problem It Solves
Micro-loan payout and repayment still runs on manual steps: transfers that land a day later, collection sent into the field, and proof-of-transfer screenshots matched one by one. Without automatic deduction, repayment depends on each borrower's discipline, and collection positions only appear after reconciliation is done. Two things rise together as a result: credit risk and operating cost.
Request a DemoWho It’s For
- Financial institutions (LJK)
- Operations & collection teams
- UMKM merchants accepting QRIS
- Risk & credit teams
Key Features
Loan & disbursement management
Application, approval, and payout run in a single flow, with funds sent straight to the borrower's e-Wallet.
QRIS-based automated repayment
Instalments are deducted from merchant QRIS transactions, so collection stops waiting on the borrower to transfer.
Real-time ledger sync
Loan and payment data syncs automatically with the institution's core system, over API or CSV.
Monitoring & dashboard
Disbursement, collection, and settlement positions show as transactions happen, not after end-of-day reconciliation.
Risk control & limit configuration
Set limits, tenors, and deduction rules per product or per merchant from one place.
Reporting & settlement automation
Settlement reports and reconciliation are assembled automatically, ready for operations and audit.
How It Works
- 01The financial institution approves the loan, and funds are disbursed automatically to the borrower's e-Wallet.
- 02The borrower pays with QRIS at the merchant, and repayment is collected from that transaction stream.
- 03Repayment and settlement positions sync back to the core system and appear on the dashboard.
Frequently Asked Questions
No. Q-FAST works around the core system you already have (exchanging data over API or CSV) and takes on the steps that were manual: disbursement, collection, and reconciliation.
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Want to See This Product in Action?
Book a demo. We’ll show how this product works in your system context and walk through licensing options.
Request a Demo