EX-PAY is a productivity application designed for the finance sector, aimed at providing a convenient online lending and saving service for Indonesian users. Operating under the KOPERASI SIMPAN PINJAM GEMILANG SEJAHTERA MANDIRI, this platform adheres to local regulations and offers a straightforward process for members and potential members to engage in financial transactions. Users can expect a borrowing period ranging from 91 to 150 days with an annual interest rate capped at 18%, and a loan amount between 1,000,000 and 5,000,000 IDR without any handling or additional fees.

The app emphasizes security, ensuring that user information remains confidential. It simplifies the borrowing process by allowing users to complete transactions with just a phone call, eliminating the need for paperwork and enabling quick approvals. To qualify for a loan, applicants must be Indonesian citizens over 21 years old, possess a stable income, and have a local bank account. Overall, EX-PAY offers a user-friendly solution for managing personal finances efficiently.