01 / CONNECT
AI Voice Agent
Conversations that understand context, speak naturally, and move your business forward.
AI-NATIVE. INDONESIA-FOCUSED.
Better conversations.
Smarter operations.
Bring a human touch to every interaction.
AI-powered communication and automation, purpose-built for Indonesia’s financial institutions.
Built for trust. Designed for real-world impact.
CONNECTED INTELLIGENCE
✦
ai
AAT AI ENGINEA conversation that connects.AI Voice Agent · Bahasa Indonesia
Every channel. One connection.WhatsApp · Voice · SMS✓
Intelligence in motionYour workflows, automated.↗
ONE ENGINE. ENDLESS POSSIBILITIES.06°17′ S 106°40′ E
Local understanding.
Enterprise-grade foundations.
Enterprise-grade foundations.
99.5%Monthly availability commitment*
AI-nativeIntelligence at the core
IsolatedYour data stays yours
Built in IndonesiaFor the market we call home
✳ THE AAT PLATFORM
One intelligent core.
A world of connection.
From the first conversation to the next best action.
One connected ecosystem for your entire customer journey.
02 / ENGAGE
Omni-channel Communication
Meet customers where they are. Bring WhatsApp, voice, and SMS into one seamless experience.
03 / ORCHESTRATE
Smart Operations
Turn complex processes into intelligent workflows. Give your team clarity, control, and room to grow.
✳ BUILT AROUND YOUR BUSINESS
Real challenges.
Intelligent solutions.
Purpose-built for financial services.
Adaptable to the way you operate.
COLLECTION OPERATIONSBetter outcomes start
Better outcomes start
with understanding.
Make every reminder relevant. Combine natural AI conversations with customer segmentation and timely follow-ups for a more thoughtful collection experience.
- Personalized repayment reminders
- Strategies tailored to each customer segment
- Seamless handover to your team
✳ TRUST, BY DESIGN
Your data.
Your trust.
Our responsibility.
Financial conversations demand more than intelligent technology. They demand a partner who takes privacy and reliability seriously.
Isolated. Always.
Customer data stays strictly isolated and is never used for third-party model training, fine-tuning, or benchmarking.
Privacy at the core.
Data practices aligned with Indonesia’s PDP Law, with processing limited to agreed purposes and authorized transfers.
Reliability you can plan on.
Monthly availability commitment*, with severity-based support and a 30-minute critical-incident response target.
Control through the lifecycle.
Secure return or deletion of customer data within 30 days of contract termination.
*Monthly availability excludes scheduled maintenance and force majeure. Service terms are governed by the applicable agreement.
✳ LOCAL ROOTS. SHARED AMBITION.
Built in Indonesia.
Built for what’s next.
We are PT Artha Adikarya Teknologi. A team grounded in Indonesia’s language, culture, and financial ecosystem, with a belief that better technology should create better human experiences.
We partner with fintech, digital credit, and consumer finance institutions to make intelligent operations an everyday reality.
Get to know AAT LET’S BUILD WHAT’S NEXT
A better conversation
starts here.
Tell us where you want to go.
We’ll help you find the intelligent way forward.
dani@arthaai.id Local expertise. A partnership built around you.