OCTO by CIMB Niaga API Integration

Corporate Accounting Sync

A B2B SaaS needs to automatically reconcile CIMB Niaga business accounts without manual CSV uploads.

Personal Finance App

A PFM app wants to aggregate a user's total assets and cash flow from their OCTO account.

Cross-border E-commerce Checkout

A regional merchant wants to accept QRIS payments from Indonesian tourists using OCTO Mobile.

Lending Risk Assessment

A fintech lender requires verified bank statements to assess creditworthiness instantly.

Deliverables

• API Specifications (OpenAPI 3.0)
• Authentication Protocol Analysis (Token/Session flow)
• Ready-to-run source code (Node.js/Python)
• Postman Collections & Automated Tests
• Compliance & Data minimisation guidelines

Example: Fetching Balances (Pseudo-code)

// GET /api/v1/octo/balances
const headers = {
  'Authorization': `Bearer ${userToken}`,
  'X-Device-ID': 'device-fingerprint'
};

const response = await fetch('https://api.yourdomain.com/cimb/balances', { headers });
const data = await response.json();
// Returns: { savings: 15000000, eWallet: 250000, currency: "IDR" }

Example: Transaction Webhook Payload

{
  "event": "payment.qris.success",
  "data": {
    "trx_id": "OCTO-987654321",
    "amount": 50000,
    "currency": "IDR",
    "timestamp": "2025-03-22T14:30:00Z",
    "source": "savings"
  }
}

Compliance & Privacy

Our integrations align with Indonesian regulatory frameworks for secure data sharing.

Data Flow Architecture

A standard, secure pipeline for retrieving OCTO data:

• Client App / Frontend: User initiates consent and login flow.
• API Gateway: Handles rate limiting and token validation.
• Integration Engine: Executes protocol analysis scripts to securely fetch data from CIMB Niaga servers.
• Data Transformation: Cleans and standardizes JSON outputs before returning to the client.

About Our Studio

We are a technical agency specializing in OpenFinance, app protocol analysis, and API implementation. We help businesses connect to major banking and lifestyle platforms securely.

• Deep expertise in Southeast Asian banking apps and SNAP standards
• Focus on lawful, consent-based data extraction
• Delivery of robust Node.js, Python, and Go codebases
• Transparent pricing starting at $300, pay upon successful integration

Market Positioning

OCTO by CIMB Niaga is a leading digital banking app in Indonesia, heavily used by retail consumers and SMEs. Its recent push into cross-border QRIS and lifestyle integrations makes it a critical ecosystem for fintechs targeting the ASEAN market.

Contact Us

Ready to integrate OCTO by CIMB Niaga? Click below to request a quote or submit your specific data requirements.

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Cooperation Workflow

1. Requirement Gathering: Tell us which data points (e.g., statements, QRIS) you need.
2. Protocol Analysis & Feasibility (2-5 days): We analyze the authentication flow and endpoints.
3. Development & Testing (3-8 days): We build the wrapper API and test it against the target app.
4. Delivery & Handover (1-2 days): You receive the source code, documentation, and Postman collections.

Frequently Asked Questions

What do I need to provide?

How long does it take?

Is this compliant with Indonesian law?