Comparison

Oren by KOPNUS vs M

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Oren by KOPNUS

This app provides members of a cooperative with convenient access to various financial services, including deposits, payments, purchases, and loans. It offers features for managing accounts, making transactions via QR codes, and accessing exclusive merchant promos.

Highlights
  • Deposit services (SIMPANAN OREN)
  • Investment deposits (SIMPANAN BERJANGKA OREN)
  • Bill payments and purchases (PAYMENT OREN)
  • QR code for payments and transfers
  • Real-time transaction notifications
  • Multi-account management
  • Merchant promos and discounts
Features
Read full description

Oren is a cooperative-based digital financial service owned by KSP Nusantara. Oren is here to make it easier for Members to access financial services anywhere and anytime through mobile devices / gadgets. With Oren Members can enjoy deposit services under the product names SIMPANAN OREN and Deposit Futures with the product name SIMPANAN BERJANGKA OREN, Payment, Purchase, and Loan in hand palm easily and supported by features that satisfy members. KSP Nusantara "Live More, Easy Life". Oren's features are currently. 1. SIMPANAN Oren Deposit services are in the clutches of KSP Nusantara members. Members can open accounts, deposits, withdrawals, transfers anywhere and anytime. Members can also check info on balances and mutations easily stored anywhere and anytime. 2. SIMPANAN BERJANGKA OREN For Members who want financial investments with high interest rates, SIMPANAN BERJANGKA OREN is the solution. SIMPANAN BERJANGKA OREN comes with simulation features, account opening, account closure and reports that can be accessed anywhere and at any time with the process of placing a Time Deposit in minutes with a minimum placement of Rp. 1 million. 3. PAYMENT OREN Members do not need to mess around to make daily purchases and payments, with PAYMENT OREN Members can easily pay bills such as Electricity, Telephone / Cellphone, PDAM, Health BPJS, Loans and others, as well as all cellular providers and purchase of PLN credit . PAYMENT OREN is also supported by a report menu to make it easy for Members to check their payment and purchase status. 4. QR Tired of transfer because you have to typing a lot? Oren comes with a QR menu that can make it easy for members to make payments or transfer funds, just sqan QR, Members can make purchases and bookkeeping quickly and easily! 5. Transaction Notification. Members can easily and quickly find out mutation transactions that occur in their accounts in realtime. Transaction notifications can be sent via SMS or through the registered email address. 6. Multi-Account. Members can activate and use more than one account they have to transact. Multi-account activation can be done by members themselves through Oren pda menu SIMPANAN OREN. 7. List of Transactions. Routine transactions carried out by Members, can be stored as on the Transaction List, which can be directly selected for transacting again, without the hassle of refilling all the information needed to make a transaction. 8. Instant Information Menu, Virtual Account & Merchant. Confused about entering funds into Oren? To add funds to SIMPANAN OREN Members can access the Instant Information Menu menu, Virtual Accounts & Merchants so Members can easily enter their funds through virtual bank accounts or merchants scattered everywhere. 9. Promo menu Hungry? Or need coffee? In the Promo menu Members can access promos that are present at merchants who have collaborated with Oren to purchase all forms of Member needs with a large discount / cashback !!!. 10. Member Menu In this menu Members can make changes to Member data, make changes to their passwords and PINs, and access info for all Member accounts. 11. Menu Booking History This menu is a menu for Members to check the history of bookings made either for withdrawals, deposits, and others. 12. Help Service Menu 24-hour call center service at your service. Members can access the Halo KOPNUS chat and web services through the application. Come when else you are spoiled with a variety of quality and easy features, and can be accessed anytime and anywhere. Oren "Live More, Easy Life".

About

M

Read full description

M-TIPO is a mobile application service for KSP CU Lantang Tipo which is accessed by users with an internet network and can be downloaded via the Appstore.

Screenshots

Oren by KOPNUS4 screens
M4 screens

Verdict

The call

The clearest difference is update cadence: Oren by KOPNUS at fortnightly against M's every 3 months. M's advantage is iOS requirement (13.0 vs 15.0). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Oren by KOPNUS ships an update fortnightly, M every 3 months. The most recent releases landed on November 7, 2026 and October 27, 2026 respectively.

Scorecard2 real differences · 7 level
Oren by KOPNUS versus M: the parameters behind the verdict, then further details
ParameterOren by KOPNUSM
PriceFreeFree
Rating5.0 (2 ratings) — better—
Number of ratings2 — better—
Update frequencyFortnightly — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size64 MB55 MB
Age rating17+4+
DeveloperKoperasi NusantaraKSP CU Lantang Tipo

In-app purchases

None

Oren by KOPNUS

No in-app purchases

None

M

No in-app purchases

Questions

Is Oren by KOPNUS free?
Oren by KOPNUS is free to download, with no in-app purchases.
Is M free?
M is free to download, with no in-app purchases.
Do Oren by KOPNUS or M have ads?
Neither Oren by KOPNUS nor M shows ads.
Which is updated more often, Oren by KOPNUS or M?
Oren by KOPNUS ships an update fortnightly, and M every 3 months. Most recently, Oren by KOPNUS was updated on November 7, 2026 and M on October 27, 2026.

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