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How PinjamYuk Strengthened Onboarding and Scaled Digital Agreement Flows with VIDA

 

 

 

Overview

PinjamYuk is a digital lending platform built to offer accessible, secure, and fast financial solutions to users across Indonesia. As the platform scaled its operations and user base, they needed to ensure that every loan application started with confidence, from both a regulatory and user trust standpoint.

To support this, PinjamYuk partnered with VIDA to integrate secure identity verification and digital signatures into their onboarding process.

                                               

Opportunity
Scaling with Trust and Simplicity

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For a digital lender like PinjamYuk, trust begins before the loan is even disbursed. Users need to be verified quickly and seamlessly, and digital agreements must be signed in a way that’s compliant, secure, and user-friendly.

As PinjamYuk expanded its loan services, it aimed to:

 

  • Streamline onboarding without introducing risk
  • Strengthen KYC and agreement flows with automation
  • Meet compliance standards without slowing down conversion

 

 

 

Challenges

Manual Bottlenecks and Signature Friction                 

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Before full automation, PinjamYuk’s onboarding involved multiple steps for user identity confirmation and contract signing—processes that often delayed activation or required user follow-ups.

The team needed:

 

  • A reliable eKYC system that worked across devices
  • A seamless digital signature experience for user agreements
  • A scalable solution that could handle volume without increasing operational cost

 

 

 

Solution

VIDA Verify + VIDA Sign Integration

 

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 PinjamYuk launched its eKYC flow with VIDA in late 2023, followed by digital signing capabilities in mid-2024. The combined solution included:

  • VIDA Verify – Real-time identity verification compliant with Indonesian KYC regulations
  • VIDA Sign – Secure digital signature capabilities for loan agreements and POA (Power of Attorney)
  • Integrated Workflow – All within the PinjamYuk app, creating a consistent and trusted user experience


    VIDA’s identity and signature stack allowed PinjamYuk to streamline onboarding while staying audit-ready.
 

The Result

Smarter Onboarding, Higher Confidence

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Since integrating VIDA, PinjamYuk has seen:

  • A highly stable KYC conversion rate, rising to over 99% in 2025
  • A 40% increase in digital sign transactions from Q4 2024 to Q1 2025
  • Hundreds of thousands of eKYC and signing transactions have been completed with consistency and accuracy
  • Higher assurance for both the platform and users at the moment that matters most: the start of the loan journey
With VIDA, identity verification and digital signature now work silently in the background, powering secure growth at scale.
 

Looking Ahead

A Platform Built to Grow with Confidence

PinjamYuk continues to refine its onboarding experience to stay ahead of rising demand. With VIDA’s secure infrastructure in place, the team is focused on reaching more users—without compromising the integrity or speed of the loan approval process.

 

 


 

Your One-Stop Solution for Customer Onboarding

With global top-ranked Face Recognition technology and legal identity database, enhance your customer experience with instant and secure identity verification.

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Face Biometric Verification

We implement robust biometric technology to enable a more seamless identity verification.
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Liveness Detection

We apply global top-ranked liveness detection to prevent identity fraud and theft.
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Document ID verification

We use OCR to extract customer information from an ID card, to support fully automated identity verification.
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Demographic Check

We compare demographic data directly with the authoritative source to get the valid data record.
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Multiplatform Integration

Our product solutions can easily be tailored to your business needs with SDK, API, Web app, and iframe integration.
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