Vendor finance
Suppliers request financing against receivables from an anchor corporate. The bank provides early payment to the supplier, and the anchor pays the bank at the invoice due date.
CUSTOMER STORY
KB Bank Indonesia
Connecting corporate relationships with supplier and dealer financing
KB Bank Indonesia uses Bankware’s Supply Chain Finance solution to serve suppliers and dealers around its corporate customers. Operating since 2022, the standalone platform brings vendor and dealer financing into one application, with Bankware managing the infrastructure and application operations.
Extend financing across the corporate ecosystem
For a commercial bank, an anchor corporate relationship creates opportunities to serve the businesses that supply it or distribute its products. Those businesses have different working-capital needs: suppliers may need earlier payment for receivables, while dealers need funding to purchase stock.
KB Bank Indonesia needed a platform to support these financing relationships. Vendor finance and dealer finance provided two ways to extend its wholesale banking offering beyond the anchor corporate itself.
Two financing models on one platform
The solution brings bank, anchor corporate, supplier and dealer interfaces into a common application. It supports agreements and financing limits, invoice-related financing requests, bank approval, disbursement and repayment tracking. A common client register brings together partner, account and user information.
Dealer finance
Dealers request financing to purchase from an anchor corporate. The bank pays the anchor on the dealer’s behalf, and the dealer repays the bank at maturity.
The bank retains responsibility for financing decisions, credit limits, funding and collection. The platform supports the workflow and records connecting those activities.
A standalone service with a clear operating split
Bankware provides the platform as a standalone SaaS service and manages its infrastructure and application operations. KB Bank Indonesia uses the application to operate its vendor and dealer financing business.
The service began in 2022 and continues to operate. This delivery model allows the bank to use a dedicated SCF application while Bankware maintains the technology environment behind it.
Bring participants, controls and financing activity together
Serve the corporate ecosystem: Support suppliers and dealers through two financing models linked to anchor corporate relationships.
Coordinate the financing lifecycle: Bring applications, approvals, disbursement and repayment tracking into one platform.
Organize agreements and limits: Maintain financing conditions and limits alongside the relationships to which they apply.
Separate banking and technology responsibilities: The bank operates the financing business; Bankware operates the infrastructure and application.
These are descriptions of supported operations and the confirmed service model, not measured claims of revenue growth, cost reduction or faster processing.