Paperless onboarding within a faith-focused mobile app replaces branch paperwork, enabling structured savings, KYC verification, and compliant Islamic finance access.
Indonesian Muslims who aspire to perform Hajj have traditionally faced slow, paper-heavy processes just to open Shariah-compliant savings accounts and register for a Hajj quota. With branch visits, physical forms, and fragmented banking journeys, planning for Hajj often began with administrative friction rather than a clear, digital path toward long-term savings.
Also, traditional account-opening journeys have typically required in-person verification, physical documentation, and separate interactions with banking platforms that sit outside their daily religious-app usage.
To simplify that first step for Indonesian Muslims, an Islamic-approved bank partnered with a religious-lifestyle app Muslim Pro, to launch a new embedded digital banking experience called Amanah Pro on 8 July 2026.
The system enables users to open and manage a Shariah-compliant Hajj savings account through a paperless journey directly from within an existing faith-centered mobile app, integrating Hajj-focused savings into an existing faith-centered mobile ecosystem to help members save for Hajj in a structured way. The new solution is designed to address these friction points and make Hajj savings feel like a natural extension of everyday religious practice.
Key elements of the digital solution include:
- Paperless, remote onboarding for Shariah-compliant savings accounts, replacing branch visits and physical documentation with digital identity and KYC verification flows
- Embedded Islamic banking journeys within the existing Islamic-lifestyle app, using application programming interfaces and secure integration to avoid separate logins or standalone banking portals
- A digitally managed Hajj savings pathway that aligns with long-term, faith-based goals, including tools to view balances and track contributions toward Hajj registration
- Scalable, regulated banking infrastructure that supports compliant account opening, transaction processing, and Shariah governance at production scale
The platform can benefit 240m Muslims in Indonesia, and, according to Steffano Ridwan, President Director, Maybank (Indonesia), the financial institution that launched Amanah Pro with Muslim Pro, Islamic banking initiatives of this kind are intended for “strengthening the country’s Islamic finance industry through meaningful collaboration and a proof that digital innovation and Shariah principles can strengthen each other.”
Kelvin Tan, CEO, audax (sic) Financial Technology, the technology firm behind the new system, said Indonesia’s digital Islamic finance opportunities are best served by “meeting users inside the platforms they already trust,” with technology that makes Shariah banking more accessible at the moments that matter in their financial and spiritual lives.
