Who We Are
Gemilang Bisnis Universal (GBU) is a strategic holding company dedicated to the digital transformation of Indonesia’s microfinance sector. We integrate strategy, technology, and compliance to empower Rural Banks (BPR), cooperatives, and lending institutions to grow stronger, more efficient, and increasingly competitive.
Innovative Solutions for Institutional Growth
We provide strategic, integrated services designed to support microfinance institutions across five core pillars:
Business Acceleration
Data-driven growth strategies aligned with industry best practices.
Operational Digitalization
Implementation of core banking systems, e-money solutions, and API integrations.
Compliance & Governance
Internal audit advisory, regulatory alignment (OJK & BI), and corporate governance.
Product Development
Innovation of microfinance products and services tailored to market demand.
Oversight & Control
Real-time monitoring to ensure operational efficiency and goal attainment.
GBU Business Lines
We drive transformation through four specialized business units:
ABDIPAY (e-money)
Integrated digital payment ecosystems for microfinance institutions.
Teknologi Operator Prima
Advanced technology developers for core banking and BPR digitalization.
Brilian Inovasi Group
Management consultants specializing in strategic transformation and compliance.
Gemilang Aset Spesialis
Solutions providers for asset management and non-performing loan (NPL) recovery.
Why Choose GBU?
Strengthening Indonesia’s Microfinance Landscape
- End-to-End Integration: From high-level strategy to technical implementation.
- Domain Expertise: A specialized team of microfinance and technology veterans.
- Proven Track Record: Successfully empowering dozens of institutions nationwide.
- Regulatory Excellence: Fully aligned with OJK and Bank Indonesia standards.
Our Partners
