Incode Partners with TOTM Technologies to Scale Identity Verification in Indonesia

Incode has entered a reseller partnership with TOTM Technologies to deploy its identity verification platform, Incode Omni, across Indonesia. For fintech professionals, this expansion targets one of Southeast Asia’s fastest-growing digital economies, where the demand for secure, frictionless onboarding is rising alongside a massive increase in mobile-first consumers outside major metropolitan hubs.

What was announced

The partnership establishes TOTM Technologies as a key reseller for Incode in the Indonesian market, marking a significant step in Incode’s broader Asia Pacific expansion strategy. At the center of the deal is Incode Omni, an identity verification platform designed for high-stakes environments including global financial institutions, government agencies, and healthcare providers. The platform utilizes passive liveness technology and facial recognition powered by advanced deep learning to verify users while maintaining privacy standards.

The move is specifically timed to capitalize on Indonesia’s rapid digital acceleration. Current data indicates that 72% of the Indonesian population are smartphone users, with approximately 73% possessing internet access. The market has seen a surge of 21 million new digital consumers since the start of the pandemic, notably with 72% of that growth originating from non-metropolitan areas. This demographic shift requires identity solutions that can handle remote onboarding at scale without compromising security.

Incode Omni is already utilized by global brands such as Citi, Rappi, and Jumeirah Hotels to manage fraud risk and customize user experiences. By partnering with TOTM, Incode aims to integrate these capabilities into Indonesian fintech, finance, and critical infrastructure sectors, where local enterprises are under pressure to provide simpler, more secure digital journeys for a savvy mobile user base.

"We are proud to team with a widely recognized partner like TOTM Technologies. TOTM Technologies’ technical expertise and experience, large customer base, and understanding of a big Asian market like Indonesia are unparalleled in the region. With its support, I expect nothing less than hyper-growth in Indonesia as we continue our global expansion into Asia Pacific."

Ricardo Amper, Founder and CEO of Incode.

The companies involved

Incode is a privacy-centric identity verification firm that has earned a place in the Fintech Power 50. The company specializes in automated, AI-driven orchestration for global enterprises, focusing on creating secure and frictionless digital identities. Its flagship Omni platform is built to meet stringent compliance standards across multiple industries, from hospitality to high-finance, by replacing manual verification with deep learning techniques.

TOTM Technologies operates as an end-to-end provider of identity management and biometric products. The company has established a significant footprint in the Asia Pacific region, powering solutions for national identity projects, financial services, and healthcare access control. TOTM’s role in the market is defined by its ability to bridge the gap between complex biometric technology and practical enterprise applications. The firm focuses on delivering customer-first biometric products that allow Indonesian companies to navigate the complexities of digital transformation. This partnership with Incode represents TOTM’s first such collaboration in the Asia Pacific region as it seeks to modernize identity infrastructure for its large existing customer base.

What FF News has reported before

FF News has closely followed Incode’s international expansion and its role in the evolving payments landscape. We previously covered how the Mama Money and Incode Partnership Revolutionizes Customer Verification for Cross-Border Payments, highlighting the platform's utility in high-volume remittance sectors. Additionally, the Indonesian market remains a focal point for financial crime prevention and digital security. Our reporting on how ZIGRAM and Q2 Technologies Partner to Combat Financial Crime in Indonesia underscores the growing regional demand for sophisticated compliance and identity tools as the local fintech ecosystem matures.

What this means

The Indonesian market is currently a primary battleground for identity verification providers. As digital adoption spreads beyond Jakarta and into rural provinces, traditional high-friction KYC methods are becoming obsolete. This partnership puts pressure on local legacy providers who may lack the passive liveness and deep learning capabilities that global players bring to the table. For the broader industry, it signals that the next phase of fintech growth in Southeast Asia will be defined by how well companies can balance aggressive user acquisition with the increasingly sophisticated fraud threats that accompany a 73% internet penetration rate. The challenge remains whether such high-tech solutions can maintain performance across varied mobile hardware in non-metropolitan areas.