Oradian Cloud Core Banking System

Oradian is a core banking software vendor headquartered in Croatia that focuses on emerging markets. It serves lenders, banks and microfinance institutions in markets such as the Philippines, Indonesia and Nigeria, where legacy on-premise cores make it slow and costly to launch digital loan and deposit products.

The Oradian core banking system is a cloud-native, extensible SaaS platform with one configurable codebase serving several countries. APIs cover automated lending, risk management, scoring, accounting, compliance, messaging and reporting, and the platform supports loan management, a product engine, a mini-core or sidecar approach, loan channelling, wallet transactions, BNPL and credit bureau integrations. Clients include digital lenders, rural banks and MSME lenders.

• Cloud-native core: Runs loans, deposits and accounting as multi-country SaaS on one codebase.
• Lending APIs: Automates origination, scoring, risk checks and repayment handling.
• Product engine: Lets institutions parametrise new loan and savings products with custom fields.
• Sidecar mode: Supports a mini-core next to an existing system for new digital products.
• Embedded finance support: Handles wallet transactions, BNPL and loan channelling programmes.
• Extensibility: Offers custom code, database access, notifications and credit bureau gateways.

A Vietnamese microfinance institution could move its loan book to a cloud core with automated repayment schedules. A consumer finance company could run a sidecar core for a new BNPL product. A people's credit fund network could standardise products and reporting across branches.

Oradian reports operating in 12 countries, serving more than 10 million end clients and having transformed over 50 financial institutions. New features are included in the subscription at no extra charge, and implementation is handled by Oradian's own team. Creditville reports 320% growth in one year after adopting the platform.

Rural banks, microfinance institutions and digital lenders across Southeast Asia are replacing legacy cores to launch MSME loans, wallets and BNPL quickly. Cloud SaaS cores priced by usage lower the entry cost for mid-sized lenders, while regulators increasingly accept cloud hosting for regulated institutions.

Headquartered in Croatia, led by co-founder and CEO Antonio Separovic, with more than ten years in emerging markets. Strong presence in the Philippines and Indonesia, where it joined the Indonesian Fintech Association. Named clients include Cantilan Bank, RAFI, LAPO, Creditville, Esquire, Salmon, FairMoney and SB Corp. Founding year not stated on the website.