Ringkas Information

Across Southeast Asia and the Gulf, economic growth has outpaced financial infrastructure. Mortgage penetration sits in the single digits across many markets. SME financing gaps remain wide. Financial institutions face rising origination costs, fragmented customer journeys, and distribution networks that do not scale. Ringkas is building the infrastructure layer to change this. We are a vertical AI platform purpose-built for financial institutions in high-growth emerging markets. Our technology connects financial institutions, property developers, and end customers into a single intelligent journey — from discovery and qualification through application, underwriting, and disbursement. 𝗪𝗵𝗮𝘁 𝗢𝘂𝗿 𝗔𝗜 𝗜𝗻𝗳𝗿𝗮𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝗘𝗻𝗮𝗯𝗹𝗲𝘀 ⚡️ Instant pre-qualification and affordability analysis 🧠 Intelligent product matching across multiple financial institutions 🔗 Unified digital application flows 📉 Lower acquisition and origination costs for partners 📈 Higher conversion rates for distribution partners 𝗥𝗶𝗻𝗴𝗸𝗮𝘀 𝗯𝘆 𝘁𝗵𝗲 𝗡𝘂𝗺𝗯𝗲𝗿𝘀 🏦 33 financial institutions partners across 1,400+ branches 🌐 Operations in 50+ cities 💰 $1–2B in annual financial disbursements 🤖 Our AI tools power thousands of financial professionals 𝗢𝘂𝗿 𝗩𝗶𝘀𝗶𝗼𝗻 Our ambition goes beyond any single product. We are building foundational AI infrastructure for financial services in emerging economies — markets representing over $1 trillion in untapped financing potential across ASEAN and the GCC. We collaborate with banks, multifinance companies, developers, regulators, and strategic partners to modernize the distribution, approval, and experience of financial products. 𝗚𝗲𝘁 𝗶𝗻 𝗧𝗼𝘂𝗰𝗵 If you're a financial institution, investor, or technology partner looking to scale financial access through AI — 𝗹𝗲𝘁'𝘀 𝘁𝗮𝗹𝗸. 📩 contact@ringkas.co.id | Forbes Asia 100 Watch List