Core banking system upgrade for TLM Cooperative, Indonesia

• Aug 8, 2025
• 1 min

The Indonesian cooperative bank, TLM Cooperative, sought to modernize its operations and transition to a new core banking system (CBS). The CBS would allow TLM to enhance its operational efficiency and align with regulatory standards. MSC helped TLM successfully transition to the new CBS. We ensured a smooth migration from the legacy system and robust functionality to meet operational requirements. We also improved regulatory compliance and expanded digital banking services for more than 3.5 million customers.

MSC conducted a digital readiness assessment, identified gaps, and provided end-to-end support in the implementation process. We provided strategic guidance for TLM to select and implement the most suitable CBS solution. We ensured alignment with regulatory standards and business objectives. We facilitated the integration of AI-powered credit underwriting tools and automated loan workflows into the CBS to strengthen credit decision-making and risk management. Additionally, we helped the TLM team manage system migration, staff training, and vendor coordination, which ensured a smooth transition with minimal operational disruption.

The CBS implementation has enhanced transaction speed and regulatory compliance and strengthened TLM’s digital banking capabilities. By modernizing its financial infrastructure, TLM is now better equipped to offer more inclusive digital credit products, streamline loan processing, and expand services to more than 0.3 million underserved population.

Opportunity International Australia (OIA) commissioned the project.