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Arental
Industry · Banking, Finance, Fintech · OJK Compliant

Updated June 20, 2026

Laptop Rental for Banking & Finance — OJK-Compliant Banks & Fintech

Laptop rental for banking & finance from Arental (PT Amanah Sewa Nanjaya, NIB 0220106601498, KBLI 77394, since 2021) is an OJK-compliant managed IT-vendor service with BitLocker + MDM Intune pre-enrollment, a written ISP/BCP/SLA, and 72-hour breach notification. We supply laptop rentals to national tier-1 banks, regional offices, P2P-lending and e-money fintechs, financing companies, and securities firms. This vertical carries the strictest audit governance in Indonesia — OJK Circular Letter 21/SEOJK.03/2017, BitLocker + MDM Intune mandatory, a per-unit audit trail, and 72-hour breach notification. Arental's workflow is built to clear OJK/BI audits with no custom workarounds.

Discuss Banking PackageRequest OJK Vendor Pack

Or call us directly: +62 821-4777-2100

Summary

Arental (PT Amanah Sewa Nanjaya) rents laptops to national tier-1 banks, P2P-lending and e-money fintechs, financing companies, insurers, and securities firms in Jakarta. OJK Circular Letter 21/SEOJK.03/2017 compliance is met through a full vendor documentation pack (ISP, BCP, SLA, DPA), BitLocker + MDM Intune pre-enrollment into the client's Entra ID/Azure AD tenant, 72-hour breach notification to the Risk Management PIC, and a Certificate of Data Destruction for every unit on rotation. The lineup spans ThinkPad X1 Carbon, Latitude 9440, and EliteBook 1040 for the office workforce, plus MacBook Pro M3 for executives. Contracts typically run 36-48 months with a 24-month hardware refresh cycle and a dedicated Account Manager — a model available via Device-as-a-Service for structured multi-year engagements.

Proof & Scale

Service scale you can rely on

500+Device Models
9Greater Jakarta Areas
65Bilingual Articles ID + EN
24Verified Client Brands

Trusted By

PertaminaShopeeKominfoBukalapakXL AxiataDHL ExpressWaskita KaryaWIKAHolcimTrans 7DAMRIBhinnekaNinja XpressAngkasa Pura IIGreenfieldsCircle KThe St. RegisBadan Pusat StatistikDPR RIKementerian Dalam NegeriKementerian KesehatanKementerian PUPRKementerian PPN/BappenasKementerian KetenagakerjaanPertaminaShopeeKominfoBukalapakXL AxiataDHL ExpressWaskita KaryaWIKAHolcimTrans 7DAMRIBhinnekaNinja XpressAngkasa Pura IIGreenfieldsCircle KThe St. RegisBadan Pusat StatistikDPR RIKementerian Dalam NegeriKementerian KesehatanKementerian PUPRKementerian PPN/BappenasKementerian Ketenagakerjaan

Logos denote organizations that have engaged Arental’s equipment-rental services. All trademarks and logos remain the property of their respective owners.

OJK Compliance Framework

6 Banking IT-Vendor Standards We Already Meet

OJK Circular Letter 21/SEOJK.03/2017 requires bank IT vendors to have governance, a security baseline, and auditable documentation. Here is what Arental prepares for banking clients.

OJK Vendor Documentation Pack

Deed of Establishment + NIB + NPWP + basic financial audit, a written SLA, an 8-10 page Information Security Policy, a Business Continuity Plan + RTO, an asset inventory with serial numbers + maintenance history. This pack has already cleared OJK audits for other tier-1 bank clients.

BitLocker + TPM 2.0 + PIN

Pre-enabled by default on every banking-client unit. The recovery key is escrowed to the client's Azure AD tenant (NOT to Arental — basic security hygiene). AES-256 XTS encryption. Setup verified before delivery.

MDM Intune / Jamf Pre-Enrollment

Units are enrolled into the client's Microsoft Intune (Windows) or Jamf Pro (macOS) tenant BEFORE delivery. The client's Conditional Access policy is active from first sign-in. Compliance is checked at every login.

Active Directory / Entra ID Domain Join

Pre-domain-joined to the client's on-prem AD (via an offline djoin blob) or Entra ID/Azure AD tenant. SSO into core banking applications (SAML, OAuth) is active from first login. Hybrid setups are also supported.

72-Hour Breach Notification

Standard banking-contract clause: written notification to the Compliance/Risk PIC within 72 hours (mirroring GDPR best practice). The incident-report template is acceptable for reporting to OJK/BI. Post-incident RCA within 7 working days.

Certificate of Data Destruction

Every returned unit undergoes mandatory NIST 800-88 sanitization. The certificate carries the serial number + date + technician & supervisor signatures. Acceptable for OJK audit documentation + the bank/fintech internal data-governance record.

Relevant Regulators + Compliance Touch Points

Indonesia's banking-finance vertical has multiple regulators depending on the type of institution. Below is a mapping of each regulator plus what Arental, as an IT vendor, prepares to clear its audit.

Otoritas Jasa Keuangan (OJK)

Scope

Commercial banks, rural banks (BPR), financing companies, P2P lending, securities firms, insurers, pension funds, microfinance institutions.

Touch Points

OJK Circular Letter 21/SEOJK.03/2017 on IT Risk Management. IT vendors must hold an ISP, BCP, a written SLA, an asset inventory, and an audit trail. Arental supplies a full vendor documentation pack.

Bank Indonesia (BI)

Scope

Payment gateways, payment service providers, e-money issuers, fund transfers, digital financial services.

Touch Points

BI Board of Governors Regulation (PADG) 23/2021 on the Information Systems of Payment Service Providers. Third-party vendors must pass a risk assessment. Arental supplies a submit-ready third-party assessment package.

Kustodian Sentral Efek Indonesia (KSEI)

Scope

Exchange members, custodians, investment managers, securities companies.

Touch Points

Custodian IT requirements for a security baseline + business continuity. Arental prepares a vendor risk assessment package + a Certificate of Data Destruction for every rotation.

Deposit Insurance Corporation (LPS) + UU PDP

Scope

All financial institutions handling customers' personal data — subject to Indonesia's Personal Data Protection Law (UU 27/2022 PDP).

Touch Points

Arental acts as a Data Processor under a DPA (Data Processing Agreement) appended to the contract. It covers scope, breach notification, sanitization, and the obligation to delete data at contract end.

OSS-RBA NIB Tier — Bank Vendor Verification

Arental is registered under OSS-RBA (the Online Single Submission Risk-Based Approach) with NIB 0220106601498 — a low-to-medium risk tier (KBLI 77394) that enables fast vendor approval for state-owned-enterprise and government procurement, while also satisfying the Vendor Risk Management teams of tier-1 banks that mirror the OSS-RBA standard in their administrative due diligence.

Job Creation Law 6/2023 — IT-Vendor Outsourcing Clauses

Arental's B2B laptop-rental contract complies with the provisions of the Job Creation Law (UU Cipta Kerja) 6/2023 relevant to IT-vendor outsourcing relationships — including clear confidentiality, term, and exit-procedure clauses. For banks and financial institutions that are stricter on outsourcing (OJK Circular 21/2017 requires exit + transition clauses), Arental's MSA template has already passed legal-compliance review at tier-1 banks.

e-Stamp Duty Rp 10,000 — Bank Digital Contracts

The final contract is signed digitally with an Rp 10,000 e-Stamp Duty (e-Materai) under the Stamp Duty Law 10/2020 + Ministry of Finance Regulation (PMK) 134/2021 — meeting the electronic stamp-duty requirement for commercial contracts. It enables remote signing between the bank's Compliance team and Arental's Legal team with no physical stamped document — matching the paperless workflow of tier-1 banks.

BPJS Social Security — ESG Vendor Scoring

To meet ESG procurement scoring, Arental can provide proof-of-payment documents for BPJS Ketenagakerjaan (employment) + Kesehatan (health) social-security contributions for the entire technician team handling client fleets. This indicator is often requested by the Vendor Risk + ESG teams of public banks and fintechs tracked on sustainability ratings (under the OJK Sustainable Finance regulation, POJK Keuangan Berkelanjutan).

Laptop Rental Use Cases in Banking & Finance

Our engagement patterns with tier-1 banks, fintechs, and tier-1 financial institutions in Jakarta. Client details are masked under NDA.

Bank Head Office — Office Workforce

Corporate banking, treasury, compliance, IT, and operations teams at a tier-1 bank head office. Spec: ThinkPad X1 Carbon Gen 11, EliteBook 1040 G10, Latitude 9440 — lightweight premium, 10+ hour battery, fingerprint reader, IR camera for Windows Hello. Volume of 200-1000+ units per bank, 36-48 month contracts.

Branch Mobile IT Officer

Bank IT officers who travel to 20-50 branches per month to troubleshoot teller workstations, deploy core-banking patches, and onboard new branch staff. Spec: ThinkPad X1 Carbon / Latitude 9440 with built-in 4G LTE, MDM enrollment that allows access to the bank's AD + remote desktop to teller workstations.

Fintech P2P Lending / E-Money Operations

Operations + risk + customer-support teams at a fintech office. Mid-premium spec: ThinkPad T14 / EliteBook 840. OJK fintech compliance (POJK 77/2016 for P2P) via vendor documentation + BitLocker + MDM. 24-36 month contracts with a fast scale-up clause for hiring spikes.

Executive & Board (C-Level)

Directors, commissioners, and senior management of a bank/fintech. Premium spec: MacBook Pro 14/16 M3 Pro/Max, top-spec ThinkPad X1 Carbon. Strict Jamf Pro / Intune enrollment, auto-wipe if lost, encrypted device. 36 month contracts with an 18-month refresh to keep the look fresh.

Securities Trading Floor & Investment Banking

Traders, equity sales, and IB analysts at a securities firm. Premium spec: MacBook Pro 16 M3 Max or Latitude 9440 with dual-monitor extension. 24-36 month contracts with an 18-24 month refresh. KSEI + OJK Capital Markets compliance.

Insurance Underwriting & Claims

Underwriters, claims analysts, and actuaries at an insurance company. Mid-range spec: ThinkPad T14 / EliteBook 840 for daily ops, plus 1-2 Precision/ZBook Firefly mobile workstations for the actuarial team running risk models. 36-48 month contracts.

Banking Laptop Spec Tiers — Premium-Heavy by Default

Indonesian tier-1 banks and fintechs typically issue premium-tier laptops to all office staff (not just executives). The reasons: governance compliance + professional impression + senior-talent retention. Here are the tiers we deploy most often.

Office Workforce Tier

ThinkPad X1 Carbon Gen 11, HP EliteBook 1040 G10, Dell Latitude 9440

Spec

Intel Core i7 13th Gen, 16-32GB RAM, 512GB-1TB SSD, 14" FHD+ touch display, 10+ hour battery, IR Hello + fingerprint, optional built-in 4G LTE

Workload

Office 365, browser-based banking apps, Bloomberg Terminal web, Citrix VDI, video conferencing. The default tier for nearly every tier-1 bank office worker.

Rp 1.5 - 2.2M / unit / month

Executive & C-Level Tier

MacBook Pro 14/16" M3 Pro/Max, ThinkPad X1 Carbon Gen 11 top spec

Spec

Apple M3 Pro/Max / Intel Core i7 13th Gen, 32-64GB RAM, 1TB+ SSD, Retina XDR / OLED display, premium ergonomics, professional-impression finish.

Workload

Investor decks, board packs, financial models, C-level video conferencing. This tier is often paired with an iPad Pro for note-taking in meetings.

Rp 2.5 - 3.5M / unit / month

Mobile IT / Specialist Tier

Dell Latitude Rugged, ThinkPad X1 Carbon Gen 11 + 4G LTE, Latitude 7440

Spec

Intel Core i7 13th Gen, 16GB RAM, 512GB SSD, built-in 4G LTE or eSIM, durable chassis, 12+ hour battery. Optional Yubikey hardware token.

Workload

IT officers travelling to branches, fraud investigation, on-site patch deployment, remote desktop to branch teller workstations.

Rp 1.8 - 2.5M / unit / month

Banking Laptop Rental Coverage Across Jabodetabek

Tier-1 bank and fintech head offices in Jakarta generally cluster along the Sudirman-Kuningan CBD corridor and BSD City. Visitor management is strict per building — we are already familiar with the security access-list SOPs at tier-1 banking buildings.

Sudirman-Thamrin (Central Jakarta)

Wisma BNI 46, Wisma Mandiri, Wisma BCA, BRI II Tower, Sequis Tower. National tier-1 bank head offices. Delivery 40-55 minutes from our Kebon Jeruk HQ. Visitor management requires 1-3 days of pre-clearance.

Central Jakarta guide

SCBD & Kuningan (South Jakarta)

Equity Tower, Pacific Place, Sentral Senayan, World Trade Center, Bakrie Tower. Securities firms, tier-1 fintech, investment banking, asset management. Delivery 30-50 minutes.

South Jakarta guide

TB Simatupang (central South Jakarta)

Plaza Oleos, Talavera, Citraland Tower. Financing companies, insurers, and mid-tier fintech. Delivery 50-65 minutes from HQ via Pondok Indah.

South Jakarta guide

BSD City (Tangerang)

AXA Tower BSD, Green Office Park, Sinarmas Land Plaza BSD. Tier-1 fintech that have shifted HQ to BSD, plus bank tech subsidiaries. Delivery 75-100 minutes via the Jakarta-Merak Toll.

Tangerang guide

Supporting Documentation & References

For the Vendor Risk Management, Compliance, and IT Security teams assessing Arental as a laptop-rental vendor for a bank / fintech / insurer — here are the relevant internal references.

Laptop Rental for MNCs & Tier-1 Corporates

An industry pillar covering equivalent governance: MDM, AD integration, corporate SLA, DPA contracts, and audit-ready invoicing.

Open guide

Corporate Laptop Rental

The main hub for corporate rental packages — pricing, contracts, the onboarding process, and Arental's standard B2B SLA.

Open guide

ISO 27001 for Laptop Rental Vendors (Blog)

A walkthrough of why ISO 27001 has become the de-facto requirement for bank/fintech Vendor Risk Management — plus what a bank SQA team usually inspects during an on-site audit.

Read article

Glossary: ISO 27001

A concise definition of ISO/IEC 27001 — the Information Security Management System framework — along with the controls relevant to bank IT vendors.

Open glossary

Supporting technical-term glossary: BitLocker, Active Directory & Entra ID, Mobile Device Management (MDM).

OJK Circular 21/2017

Compliance Framework

72 hours

Breach Notification

NIST 800-88

Sanitization Standard

18-24 months

Refresh Cycle

Indicative Pricing

Banking & Finance Laptop Rental Pricing per Month

Tiered rates by role/spec. 36-48 month contracts with an 18-24 month refresh cycle.

Role / TierTypical SpecRange / month36-month contract
Teller / Customer ServiceThinkPad E14 / Latitude 3540, 16GB, MDM-enrolled, BitLockerRp 350-450kRp 315-405k
Relationship Manager / AOEliteBook 840 / ThinkPad T14 i7, 16GB, optional 4G LTERp 550-700kRp 495-630k
Compliance / Audit OfficerThinkPad T14s / EliteBook 850, 32GB, full encryption, audit trailRp 700-900kRp 630-810k
Treasury / Trading DeskLatitude 9440 / ThinkPad X1 Carbon, 32GB+, multi-monitor supportRp 1.2-1.8MRp 1.08-1.62M

*All units are pre-enrolled in MDM Intune/Jamf to the client tenant, BitLocker enabled, with the OJK vendor documentation pack available. 20+ units: 10% discount. Prices exclude VAT (PPN).

Recommended Units

Premium Laptops for Banking & Finance

Premium TPM/BitLocker-ready units for core banking, treasury, and OJK compliance. Specs + variants per unit in the catalog.

See all laptops in the catalog
FAQ Banking & Finance

Questions from IT Directors, CISOs, & Compliance Officers

The questions most often asked while shortlisting an IT vendor for a tier-1 bank, fintech, or financial institution.

Arental provides an OJK Vendor Pack for bank IT audits: legal profile (Deed of Establishment / NIB business licence / NPWP tax ID), the SLA, an 8-10 page Information Security Policy, a BCP plus RTO, an asset inventory with serial numbers, and a Certificate of Data Destruction. The pack is delivered in under 2 working days. For bank IT vendors, OJK Circular Letter 21/SEOJK.03/2017 on the Application of IT Risk Management requires the following: (1) vendor legal profile — Deed of Establishment + NIB + NPWP + basic financial audit, (2) a written Service Level Agreement covering uptime SLA, breach-notification timeline, and binding data-confidentiality obligations, (3) the vendor's Information Security Policy — we supply an 8-10 page ISP template that has already cleared OJK audits for tier-1 bank clients, (4) the vendor's Business Continuity Plan plus Recovery Time Objective, (5) an asset inventory with per-unit serial number + maintenance history + MDM compliance logs, and (6) a Certificate of Data Destruction for every unit on rotation. The full document pack can be delivered within 2 working days of a formal request from the bank's Compliance / Risk Management team.
Yes — BitLocker (TPM 2.0 + PIN, recovery key escrowed to the bank's Azure AD tenant) and MDM Intune Conditional Access are pre-enabled before delivery; non-compliant units are held until resolved. They are mandatory, and we pre-enable them before shipping. For banking clients our default baseline is: BitLocker enabled with TPM 2.0 + startup PIN, the recovery key escrowed to the client's Azure AD tenant (not to Arental — basic security hygiene), Microsoft Intune enrollment under the client's Conditional Access policy (block sign-in from non-Indonesia geos, require a compliant device, enforce password complexity per the bank's policy), and Windows Defender for Endpoint enabled under policies the client defines. For clients using Jamf Pro for executive MacBooks the protocol is the same — enroll into the client tenant, FileVault enabled, asset tags in the bank's custom format. No unit ships non-compliant — if MDM enrollment fails, the unit is held until the issue is resolved.
Yes — the branch IT field-officer package uses a ThinkPad X1 Carbon / Latitude 9440 (lightweight, 10+ hour battery, built-in 4G LTE), MDM with access to the bank's AD plus remote desktop to teller workstations. The contract is typically 36 months with a 24-month refresh. A use case we serve often: a bank IT field officer who travels to 20-50 branches per month to troubleshoot teller workstations, install core-banking system updates, deploy patches, or onboard new branch staff. The spec for a mobile IT officer: ThinkPad X1 Carbon Gen 11 or Dell Latitude 9440 (light, 10+ hour battery, built-in 4G LTE for connectivity at branches with unreliable Wi-Fi), an MDM profile that allows access to the bank's Active Directory + remote desktop to teller workstations, plus an encrypted USB stick for offline file transfer. Contracts usually run 36 months with a 24-month refresh.
Yes — for fintech (OJK + BI + KSEI), Arental's compliance is sufficient as a tier-2 IT vendor (BitLocker, MDM, sanitization, audit trail, a UU PDP data-processing agreement). Tier-1 critical-vendor audits are handled via an on-site facility audit in Kebon Jeruk. It is sufficient for the IT-vendor scope (a managed hardware provider). Arental never touches the fintech's application layer or customer data — that remains the fintech platform's own obligation to its regulators. What Arental safeguards is the hardware security baseline: BitLocker, MDM enrollment, data sanitization on rotation, asset audit trails, and a DPA (Data Processing Agreement) under Indonesia's UU PDP personal-data law. For OJK-licensed P2P lending, Bank Indonesia payment gateways, and KSEI custodians, our baseline documents are enough to clear a tier-2 IT-vendor (third-party) assessment. For tier-1 (critical-vendor) audits, an on-site facility audit at our Kebon Jeruk warehouse is usually required — which we have already run with several tier-1 fintech clients.
Arental is obligated to provide written notification to the client's Compliance / Risk PIC within 72 hours (mirroring GDPR), internal escalation within 4 hours, collaboration on a remote wipe via MDM, and a post-incident RCA within 7 working days. For banking and fintech clients, our default contract includes a 72-hour breach-notification clause to the client's Compliance / Risk Management PIC — in line with industry best practice (mirroring GDPR, which several tier-1 Indonesian banks use as a benchmark). The workflow: (1) Arental detects or receives notice of a breach (e.g. a lost unit, MDM compliance failure, suspicious activity), (2) internal escalation within 4 hours to a supervisor plus incident documentation, (3) written notification to the client's PIC within 72 hours using an incident-report template acceptable for reporting to OJK / BI, (4) collaboration with the client's incident-response team on containment (remote wipe via MDM, asset-tag flag in our internal registry, investigation support if needed), and (5) a post-incident review within 7 working days with a root-cause analysis plus a corrective-action plan.
Yes — pre-enrollment into on-prem Active Directory (via an offline djoin blob) and the client's Microsoft Entra ID / Azure AD tenant is Arental's standard workflow for banking clients, plus Jamf Pro for MacBooks. Pre-enrollment into on-prem Active Directory and Microsoft Entra ID (Azure AD) is our standard workflow for banking clients. The bank's IT team sends Arental an enrollment invitation plus a bulk-import template (a CSV with each unit's serial number + asset tag + assigned user where known), and we enroll every unit into the client's Entra ID / AD tenant under the Conditional Access policy the client has defined. For a hybrid setup (Entra ID + on-prem AD), units are domain-joined on-prem via an offline blob (djoin) so the device is already domain-joined the first time the user signs in at the office. For executive MacBooks, enrollment runs through Jamf Pro with SSO into Entra ID via SAML. Compliance is checked via Microsoft Defender for Cloud Apps, on by default.
Rental range for a tier-1 bank in Jakarta: Rp 400-550k/unit/month for tellers/CS, Rp 700-900k for relationship managers/compliance, Rp 1.2-1.8M for treasury/trading multi-monitor desks. A 15-20% discount applies for 50+ units. Realistic range for a tier-1 bank in Jakarta: Rp 400-550k/unit/month for the teller and customer-service tier on a ThinkPad E14 / ProBook 440 with MDM Intune pre-enrollment. Rp 700-900k for relationship managers and compliance officers (T14 / EliteBook 840 with BitLocker + an audit-trail dashboard). Rp 1.2-1.8M for treasury / trading desks with multi-monitor workstation specs. A 15-20% volume discount applies above 50 units. A 36-48 month contract is usually 12-15% cheaper than an annual one.
Renting wins for financial institutions on three counts: pure OPEX (no CapEx), automatic hardware refresh every 24-36 months, and disposal compliance via NIST 800-88 with certificates — buying only wins for the top-5 banks with a strong internal asset team. For banks and fintechs under OJK regulation, renting wins on three counts: (1) Pure OPEX, no CapEx — out of the capex budget cycle and into a predictable run-rate cost. (2) Automatic hardware refresh every 24-36 months with no draining internal tender process. (3) Automatic disposal compliance — the vendor owns NIST 800-88 data sanitization with a per-unit certificate. Buying wins only when a bank has strong internal IT capacity for asset management plus audit-grade disposal compliance — usually only the top-5 banks. For mid-sized financial institutions (rural banks/BPR, Series B+ fintechs), renting almost always wins on 3-year TCO.
The minimum contract for renting bank laptops is 24 months (the onboarding complexity of MDM/BitLocker/AD/documentation is not economical below 12 months); a 20-30 unit pilot of 6-12 months is still supported with a separate setup fee. The sensible minimum for a bank laptop-rental vendor is 24 months. The reason: onboarding complexity (MDM enrollment into the client's Entra ID, BitLocker setup, AD domain join, compliance documentation) requires a 2-3 week setup investment that is not economical for contracts under 12 months. For a 20-30 unit pilot of 6-12 months we still provide support, with a separate setup fee. A production rollout of 50+ units is ideal at 36-48 months with a 24-month refresh cycle mid-term.
For tier-1 banks/fintechs with a public track record and a registered NIB, no deposit is needed — payment terms of 30-60 days. Early-stage fintechs (under 2 years) need a refundable deposit of 1-2 months' rent, or a Bank Guarantee. For tier-1 banks and fintechs with a public financial track record and a registered NIB, we do not ask for a physical deposit — invoice plus 30-60 day payment terms (per the client's finance policy). For early-stage fintechs or financial institutions operating under 2 years, we ask for a refundable security deposit of 1-2 months' rental fee, returned at contract end after the units' condition is verified. A Bank Guarantee or Letter of Credit can replace the deposit for large deals (total contract value above Rp 500 million). A letter of undertaking from the client's finance director can also stand in for the deposit where there is an existing business relationship.

Request the OJK Vendor Documentation Pack

Our sales lead will send the banking-finance capability statement (10-12 pages) plus sample documents: Information Security Policy, BCP, SLA template, DPA template, and a sample Certificate of Data Destruction. Acceptable for submission to a bank/fintech Vendor Risk Management team.

Request OJK Vendor PackContact Form

Or call directly: +62 821-4777-2100