Welcome to Future of Banking

We transform Micro Banks (regional banks, co-operatives, MFIs) through affordable and comprehensive end to end technological solutions

Learn More

We Digitalize Financial Institutions of all sizes.

Our solutions are targeted to micro banking such as cooperatives and rural banks (BPR) with the aim for rapid business development and becoming a modern financial partner for consumers.

Modern & Robust

Powerful and user friendly products that are designed for all segments of population

Secure & Compliant

Certified solutions that have been trusted by clients for over 10 years.

Comprehensive & Managed

Feature rich products and managed services that power over 100 financial institutions

We are ARO (Akselara Raksa Optima) and bring technology to everyone

ARO was founded with the desire to become a qualified banking business partner in Indonesia. ARO’s largest product is its Core Banking Solution, which is a complete IT solution for micro banking such as cooperatives and rural banks (BPR) at an affordable cost.

Biller Connectivity

We have access to one of the largest number of billers in Indonesia with over 100+ Billers

Learn More

Ecosystem

With our Digital Platforms Ecosystem you always have the option of affordable and instant scalability

Learn More

We develop & create digital future

Our ultimate goal is to become the largest digital micro finance network and application provider in Indonesia

End to End Services
Highly Efficient
Short Turn-around

Affordable
Complete

Find the right solution

We Offer Revolutionary Products & Services to Achieve Transformation

Banking Technology

Core System to Meet Financial Institutions of all sizes.

Mobile App

Take the bank online directly into your customer’s devices through a safe, secure, and seamless experience

Digital Ecosystem

An exhaustive array of services and products to make your bank digital ready

Get in touch today fordigital banking solutions

GET IN TOUCH