FINTECH STARTUPS IN INDONESIA
Claiming to run Indonesia’s first robo-advisor, Ajaib is an online wealth management app that aims to help regular Indonesians grow their money, with low minimums and no account fees.
Akulaku is focused on e-commerce and online financial services in Southeast Asia. They have established offices in five countries, providing localised services to users, including online shopping and instalment. Akulaku is the first ever online instalment shopping mall.
Founded 2013 |
Bareksa is the first and largest integrated financial marketplace in Indonesia today. Offering more than 200 mutual fund products from 40 investment managers, becoming a distribution partner of the Indonesian Ministry of Finance selling Government Securities (SBN), Umrah savings and Gold. Investors can invest starting from Rp 100,000 through the bareksa.com site or the Bareksa application. Investors can also monitor mutual fund portfolios and buying and selling anytime & anywhere. In addition, investors can also follow new developments in the financial world through news, analysis, and research. In its mission to help people realize their dreams through investing in mutual funds, Bareksa has collaborated with other large e-commerce sites such as Tokopedia, Bukalapak, and the wallet from DOKU.
Founded 2016 |
Robo-investing app for investing automatically. Seedlings put your money into a diversified portfolio of mutual funds in an intelligent and seamless manner. An investment specifically designed for you based on your age, income, number of children and your risk profile. Anyone can invest professionally without financial planner, without spreadsheet, without complicated. Seedlings are developed and owned by PT Bibit Tumbuh Bersama, which has been registered and overseen by the Financial Services Authority (OJK) with the aim of facilitating investment for the community through innovative technology.
Founded 2016 |
Brankas helps banks and insurers to design, build, and deploy open APIs. The company also provides API-based products to online businesses to help them manage money better such as disbursements API and dashboard, reconciliation and payment matching, fast checkout by online banking, TrueScore statement retrieval and credit scoring, etc.
BukuKas is a neo-banking venture aimed at bringing unbanked in South-East Asian countries to the banking eco-system. Starting with the BukuKas app in Indonesia, which is aimed at helping the micro and small enterprises in their cash management, will pave inroads to additional financial services in the future.
CrediBook is a mobile app that helps people to manage and track the money owed to them through the means of a digital ledger. Allows people to record the credit dues and then issue payments reminders to debtors whose payments are due.
e-mas is the first gold saving application in Indonesia. At e-mas, you can save gold starting from just 0.0002 or Rp. 200.
Founded 2013 |
Finansialku.com is an educational portal and financial application for individuals and families in Indonesia.
Founded 2015 |
Fundnel is a private investment platform that offers unlisted securities in growth and pre-IPO stage companies across industries to a qualified network of investors, comprising of both professional – corporate venture, private equity, venture capital funds, family offices, angel investor networks – and individually accredited investors actively looking to diversify their current portfolio.
Founded 2015 |
FUNDtastic provides some strategies and specific financial planning that suit your risk profile and financial goals. FUNDtastic as leading wealth platform also gives you one access for all, choosing any recommended financial products become simple and easy, only in one single app!
Founded 2015 |
Halofina is a digital financial advisory and wealth management application that helps you plan your financial goals in the future. From planning, tracking, saving, investing, financial literacy, paying zakat to direct consultation, just know that everything personal finance-related is taken care of within one smart platform.
Founded 1978 |
IndoGold.com is a company engaged in the gold trading of precious metals certified PT. Antam since 1978. Currently IndoGold.com site is serving the buying and selling of LM Antam gold, LM King Halim, LM UBS, silver LM HMVBullion, Silver SRH and Gold Savings service.
A mobile application that provides convenience for online mutual fund transactions safely with a capital of only 10 thousand rupiah.
Founded 2015 |
Jojonomic is a mobile personal financial application that will revolutionize the way people manage their finance.
Founded 2014 |
Jurnal is a tech company delivering web-based accounting solutions for small to medium businesses. We simplify administrative processes to only the essentials. It gives users the convenience of operating their business at any place and time, on any device. Businesses running Jurnal are equipped with the right tools to be a professional business.
Kelola’s programs range from workshops on management of cultural organizations and festivals to lighting, stage design, business partnership as well as offering learning opportunities through National Internships and International Residencies, The Art Grants, Theatre For Education, Empowering Women Artists.
Moduit is Wealth Management and Advisory platform servicing individual investors (B2C) and licensed financial professionals (B2B2C) by OJK, Financial Services Authority of Indonesia. Our platform offers wide range of capital market products. We hold Brokerage and Advisory License under supervisory of OJK.
Pluang is a digital platform that opens wider access to the Indonesian people for financial and investment products. With financial technology innovation, Pluang is here to accompany your journey to achieve financial freedom, because we believe equal financial access is the right of all nations.
Raiz automatically rounds-up everyday purchases and invests the virtual “spare change” in your very own portfolio.
Founded 2013 |
Stockbit is the leading social platform that redesigned information sharing for stock investors and traders in Indonesia. Engineered and designed by traders for traders. Our vision is to make stock investment simple for individual investors. We house a bunch of world-class talent that passionately developed innovative analytical tools that simplify investment decisions. We are continuously building our team and working towards making investment in Indonesia exciting for the people.
Growing digital wealth management platform where users can easily invest and monitor their investment.
Founded 2015 |
Veryfund is a mobile app that helps users to track of all their transactions they process across several bank accounts. This application is more beneficial for online merchants as it lets them verify payments from several banks all at once through a single application.
Founded 2015 |
Xdana is the customer-centric and professional expert of Mutual Funds that puts integrity forward in inspiring and helping people improve their quality of life to win tomorrow.
2C2P is a global payments platform helping businesses securely accept payments across online, mobile and in-store channels.
Founded 2007 |
PT Aino Indonesia (Aino) is a payment processing company and system integrator for public transportation, government public services, education, tourism, and retail. During 2017, Aino has processed more than 155 million offline micropayment transactions from services like Bus Rapid Transit, Toll Road, On Street Parking, Off Street Parking, Theme park, and Beverage Vending Machine in 20 cities across Indonesia. PT Aino Indonesia endorses Less Cash City Solution, a solution of inter-usability, inter-modality, inter-availability, until inter-operability electronic money cards in the city, thus the use of cash may be lessen.
AirPay, our digital financial services platform, provides e-wallet services to consumers through our AirPay App and to small businesses through our partner-operated service counters, and AirPay counters. Through our AirPay e-wallet, consumers use either our AirPay App or one of our AirPay counters to make paymentts for everyday products and services, such as food, entertainment, transportation, mobile telecommunications and bill payments. AirPay counters act as a ‘reverse ATM’ as their role is to serve as a network for cash input, rather than cash output, in turn creating important avenues for the AirPay App to reach the large unbanked populations in our region.
PT Astra Digital Arta, also known as AstraPay is part of Astra International. AstraPay available to support current digital transactions trends for Indonesian people. AstraPay mobile application provides range of digital transactions supporting daily needs, from electricity bill, BPJS, to health insurance payment.
AwanTunai is a point of sale financing solution aimed at digitizing Indonesia’s vast cash economy. AwanTunai builds digital distribution to thousands of micro-retail merchants who can then access working capital as well as accept payment from AwanTunai consumer credit.
Ayoconnect is Indonesia’s first Open Bill Network offering over 2,500 bill products from 20 categories. The network links Bill Providers such as Utilities, Telcos, Aggregators or Publishers with Consumer Facing Platforms and Financial Institutions. Prominent bill categories include phone credits, electricity payment and game vouchers. The company recently entered into recurring property and tuition payment.
BayarInd is an integrated digital wallet for both B2B and B2C pruposes, which individuals use to pay for goods, services and bills and enterprises use to collect payments. It uses security facilities to enure the safety of all transaction details, and further provides enterprises with support round the clock. The company is headquartered in Indonesia and operated under PT Sprint Asia Technology.
Bebas Bayar is a payments platform developed by PT Bimasakti Multi Sinergi that lets users make bill payments without any transaction costs. It enables payments by sending a text message, and does not necessitate users to have a bank account or make a minimum deposit. The company is headquartered in Indonesia, and lets users use any of three methods – SMS, Mobile Application or Website.
We provide beverage, food, mobile top-up, bill payment, and other convenience services 24 * 7 via smart vending machine network.
PT Cashlez Worldwide Indonesia Tbk with the Cashlez brand is a financial technology company that provides solutions from merchants and offers more value so that business owners can manage and grow their business. Cashlez creates a mPOS (mobile point of sale) system, a concept of accepting payments by using cards, both credit and debit cards or application-based debit cards on smartphones connected by a card reader via bluetooth. In addition to mPOS, merchants can also accept other digital payment method such as QR Code payments and Cashlez Link. Cashlez develops POS and backoffice reporting feature that is provided free of charges to merchants as commitment to make it easier for merchants to manage and grow their business. This system can monitor all merchant sales transactions in real time.
DANA is a fintech company that aims to bring in inclusive financial services to empower people for a better living. We aim to be one of the Pillar of Digital Economy in Indonesia by enabling the society to transact seamlessly. As a highly secured and scalable payment service platform to connect everyone based on world class technology, our goal is to provide Indonesia with a trustworthy and convenient mobile payment system to cater the needs of our customers, and sustainable profitable business for our stakeholders.
Founded 2007 |
Since its inception in 2007, DOKU, formerly known as PT. Nusa Satu Inti Artha has earned recognition as the first electronic payment provider and risk management company in Indonesia. With hard work and totality in supporting the online businesses of its merchants, DOKU has proven itself trustworthy and has become the electronic payment service of choice, both for national and international merchants.
PT E2pay Global Utama was established in 2012 as part of PT Infinetworks Global, armed with relationships, technology and a trusted reputation in national banking. As an experienced company since 2000 in implementing e-banking services. Infinetworks sees the growing growth of the country’s e-commerce industry which increasingly requires the availability of payment service solutions that are safe, complete and easy.
EasyPay is a company that provides a payment gateway for users to make several bill payments which include phone credit, internet data package, electricity bill, health insurance, and e-wallet topup. It provides payment options which are both online and offline, and provide three services EasyPay Kiosk (a self service machine used directly by customers for offline and online payments), EasyPay Agent (company representatives that use web-based payments system), and EasyPay Mobile application (smartphone users looking to establish own business). The company has over 15,000 point of sales across Indonesia.
PT E2pay Global Utama was established in 2012 as part of PT Infinetworks Global, armed with relationships, technology and a trusted reputation in national banking. As an experienced company since 2000 in implementing e-banking services. Infinetworks sees the growing growth of the country’s e-commerce industry which increasingly requires the availability of payment service solutions that are safe, complete and easy.
Founded 2014 |
PT. Successful Cross Payments (PLUS) was established in 2012 and is a subsidiary of PT. Square Gate One has more than 10 years experience in providing information technology infrastructure of financial transactions banking and Financial Supply Chain in various industries. Espay offers an e-commerce payment solution with the only B2C2B concept in Indonesia. The B2C2B concept addresses the needs of e-commerce payments from customers to merchants and from merchants to their business partners (suppliers, delivery services, etc.).
PT. Ezeelink Indonesia is a leading one-stop-shop Loyalty Platform, Joint Promotion Partner and Fintech Company (E-Money, P2P Lending, etc.) Key services in e-Payment, e-Loyalty Solution and technology vendor as well as merchant acquiring service company, strives to bring advanced, secure and cost-effective electronic payment processing solutions and technologies to banks, retails, corporate, SMEs, charities, etc.
Founded 2003|
Faspay, a subsidiary of Astel Group, established in 2003. For more than 15 years, Faspay has acted a system integrator for Mobile Banking system and online payment provider. Until now. Faspay has been processing online payment for more than 1500+ merchants from various industries.
Faspay is the first Payment Gateway registered in Central Bank of Indonesia. We are committed to provide the best online payment services to help grow your business by accepting online payment.
In the end of 2018, Faspay also received another license for Disbursement service from the Central Bank of Indonesia.
Finpay (Finnet Indonesia) has 3 portfolio of businesses which are bill payment aggregator, electronic payment platform and online payment solutions.
Founded 2016 |
Flip is an application that helps people sending money to different banks without any cost. Currently people can send money from and to BNI, BCA, Mandiri, BRI, Mandiri Syariah, CIMB, CIMB Syariah and Muamalat.
Founded 2010 |
Go-Pay, formerly Go-Jek Wallet, is a mobile wallet that can be used to pay during booking various service from Go-Jek. A user can fill his/her Go-Pay balance directly from his/her bank account through ATM, mobile banking or Internet banking.
GrabKios is a digital application from Grab to enable everyone from individuals, warung or small entrepreneurs, to maximise their income.
Founded 2003 |
Established in 2003, Gudang Voucher partnered with banks to roll out online e-voucher distribution systems. The first payment solution to work with Facebook in Indonesia for its Facebook Credits, and one of the few merchants that is working with BCA, the country’s biggest private bank.
We connect more than 5.000 contents to be monetized locally, through alternative payments in Indonesia, Malaysia, Thailand, and Myanmar.
Alternative payments methods cover Banked (ATMs, Internet Banking, Mobile Banking) and Un-Banked (Convenience Stores, Bank Branches, and Branchless Banking)
IMkas is a one stop shop for all your mobile payment needs. Get Pulsa recharge, Data package, PLN recharge, P2P Money transfer, Internet & TV recharge, Water Bill payment (PDAM), Pay Loan Installments, Apply for Loan, Pay for Insurance, Investment, Pay by QR at your local convenience stores. It is simple, fast, hassle free and completely secure.
Indopay is an e-payment company that organizes the system of a non-cash transactions and providing electronic payment solutions such as Electronic Data Capture (EDC) terminals, Internet Payment, Mobile Payment, Merchant Acquiring Business, Service Host to Host Switching, EDC Banking Applications (Mini ATM), Smart Card Solution, provides integrated and up-to-date Electronic Data Capture/Point of Sales (“POS”) Network, through Euro Master Visa Compliance, PIN based, and “Tempered Proof” terminals for secure payment.
Founded 2006 |
iPay88 is a leading regional Payment Gateway provider in South East Asia which has successfully provided competitive advantage through e-commerce and online payment services to more than 10,000 merchants globally and regionally. Since its inception in 2006, iPay88 has grown leaps in online payments in Malaysia as well in the ASEAN region. iPay88’s first international footprint was set in Indonesia in 2006, followed by the Philippines in 2014. Today, iPay88 is one of the leading payment gateway providers in Indonesia as well as the Philippines.
Founded 2011 |
iPaymu offers online payment solutions. The product mix includes ecommerce functionality for retail trade. iPay has integrated tools to ecommerce you need as an online payment tool, with debit transactions, credit cards, and even withdrawals. iPaymu provides a product that is the integration of three separate businesses into one company that is e-commerce business solutions, payment gateway / payment network business and merchant services business. iPaymu is a full service Merchant Service Provider in Indonesia.
iSaku (i.saku) is electronic money that has received a license from Bank Indonesia. With i-Saku shopping at Indomaret becomes easier and more economical. This service can be enjoyed by all mobile phone operator subscribers in Indonesia.
Jenius helps your life to be less complicated and manage your finances intelligently. Fully designed to manage your Life Finance, from paying bills quickly, ensuring expenses are planned, and helping to organize savings to achieve your dreams and dreams. Live life to the fullest, Jenius helps organize everything.
We are a mobile-based payment gateway application that allows users to do financial transactions such as money transfer, money deposit, buying airtime, data package, or games voucher, paying installments, bills (electricity, water, internet, insurance, tax, etc), or public transportation, as well as shopping at favorite merchants. We also facilitate our users with payment and purchase using QR Code. Besides that, we provide our users the perks of several cutting-edge features such as Virtual Account platform (KasPro Bank), electronic money top-up (TapCash BNI), and utility payments (School, Electricity & Multi-finance).
Founded 2016 |
KinerjaPay provides digital payment solutions to brick-and-mortal businesses in Indonesia and South East Asia regions in order to promote the growth of eCommerce and marketplace in the internet by providing users and merchants with safe and secure shopping experience online. Users may also enjoy the convenience of making online payments of their utility bills, phone topups/data plan, insurance, automobile instalments, and many more.
Founded 2015 |
Kioson is an online to offline (O2O) application that Bridges Online Merchants and Offline Customers through partnership network in Indonesia. Currently there are more than +19.000 micro Entreprises that we have partnered with dominated by neighborhood stores.
LinkAja provides application-based electronic financial services which helps users to pay for electricity, water, gas, telephone, internet, insurance bills, etc.
Pay bills, buy credit, listen to QR payments, transfer, and other transactions using M-Bayar.
Founded 2016 |
MatchMove enables companies to offer a fully branded secure mobile wallet solution, increasing revenue and user engagement. MatchMove proprietary Wallet OS™ is built with the vision of strengthening financial inclusion through enabling its Spend, Send, Lend™ capabilities across developed and developing markets. MatchMove is headquartered in Singapore with offices in Vietnam, Indonesia, Thailand, India, Philippines and the USA.
Founded 2012 |
PT Midtrans is the operating company for Veritrans Indonesia which provides an online payment gateway for e-commerce merchants in Indonesia. Their aim is to simplify the payment method for merchants so that they can accept multiple payment methods from their customers, including credit card, Internet banking and mobile banking by providing a single point of integration.
Founded 2012 |
MIMOPAY is a payment aggregator that provide a complete, secure, trusted and convenient one-stop payment solution for digital goods and content. Our technology makes payments simple and easy through our wide range of reliable payment channels. MIMOPAY provides secure payment solutions to improve monetization from users in South East Asia.
Founded 2012 |
MYNT is a proprietary, host-based platform (virtual terminal) that enables merchants to accept payments, set employee access privileges, view transactions/reports/settlement activity, and statements. MYNT provides a complete solution for brick and mortar merchants that wish to enjoy the convenience of processing transactions through their PC. MYNT is also easily integrated with any Point-Of-Sale, management software, or website. This provides for a truly integrated solution, and eliminates the complications typically associated with analog environments. MYNT controls the entire transaction process from the point of authorization all the way to the point of settlement, providing merchants with a single point of contact on all processing issues.
Founded 2015 |
Netzme is a hybrid fintech mobile payment platform between payment and social media messaging services that enable users, especially the unbanked people, to get access basic banking services as part of their daily social activities, unleashing their entrepreneurship potential even at micro level and at the same time supporting financial inclusion program in Indonesia.
Founded 2015 |
NICEPAY is an Online Payment Solutions Provider offering an all in one online payment solution, which process thru credit card and transfer. NICEPAY leads market by knowledge of enhanced payment industry and experience of financial solution provider more than 30 years.
OttoPay is financial and payment ecosystem of sellers (merchants) and buyers (customers) across Indonesia under Salim Group. OttoPay core services consist of: QR payment enabler, e-commerce enabler, cash-in aggregator, cash-out aggregator, and biller aggregator.
Founded 2003 |
OVO is a digital payment service based in Jakarta, Indonesia. It is a digital platform for simple payment and smart financial services, with affiliated merchants, business partners and members in its ecosystem. OVO is the leading digital payment service in Indonesia based on transaction value.
Founded 2013|
PadiPay is a brand of Padiciti Group, a payment channel platform that integrates more than 97 banks, credit cards, and Indonesian e-money sources. They provide their users with a wide range of payment options from whatever source of funds such as ATMs, fund transfers, national and international credit cards, etc.
Founded 2013|
Paprika is a financial technology company working on mobile payment and other financial services.
Founded 2015 |
Pasarwarga is a marketplace site and has thousands of store networks spread all over Indonesia. It provides over hundreds of thousands of electronic products ranging from gadgets, tablets, notebooks, consumer electronics, hobbies, household appliances and furniture at the best price for all needs. Pasarwarga provides various payment systems including using Cash / Cash, Bank Transfers and Virtual Accounts. There is also a payment system via Tokopedia to make it easier for you to pay monthly installment bills.
Founded 2016 |
PT Payfazz Teknologi Nusantara (PAYFAZZ) is a financial technology development with an agency-based financial platform that becomes a payment solution for Indonesian people, especially for the unbanked.
Founded 2013 |
PayTren is a mobile transaction application for various types of payments and purchases that provide the benefits and benefits of every transaction. PayTren system is designed with emphasis on convenience, security and convenience for its users. PayTren currently can be used on all Android and iOS-based smartphone types and will continue to be developed in line with the advancement of digital technology.
PonselPay is a platform for digital financial transactions designed for traditional economic actors. Using PonselPay, will help people make financial transactions like bank account transactions through digital applications.
Sakuku is an electronic money service for payments, mobile top ups, and other banking transactions—all from the convenience of a smartphone app.
Founded 2017 |
Saldomu is a socialbanking mobile application. With lots of feature such as topup e-money, paying biller or even transfer your money from your saving account / e-money account electronically. By the way you can ask or pay your friends in your contacts and do payment/purchases with social media experience. That make Saldomu become personal banking for your social life.
SatuBon is the only application with EURI electronic money plus reminders that automatically displays important notes and value of your bills.
Sepulsa is a platform for online payment which provides additional advantages for our customer in form of an attractive discount voucher that can be used in a variety of our e-commerce partner’s sites. We give extra attention to an ease and convenience way of transactions for our customer by continue developing our platform technology.
ShopeePay is Shopee’s official in-app e-wallet regulated by the Bangko Sentral ng Pilipinas. This allows users to quickly and conveniently top-up, purchase, and withdraw through ShopeePay.
Founded 2007 |
Speedcash provides a payments gateway platform for users in Indonesia. It allows users to pay utility bills, purchase products (online and offline merchants), transfer money and disberse funds. Its parents company is Bimasakti.
SPIN, Smart Payment Indonesia is a financial application that provides e-money, digital wallet, and money transfer facilities. The application was created to complete the MNC Group ecosystem by integrating all of MNC’s digital products into one application.
TokoPandai, a digital supply chain platform company, collaborates with FMCGs and Banks, provides platform and solutions to manage SME Retail shop distribution channels’ product transactions and payments that connects to TokoPandai’s platform and solutions and creates acashless transaction ecosystem.
Founded 2007 |
TrueMoney is an electronic payment service that allows you to make transactions via smartphones, websites, and EDC. TrueMoney is licensed by Bank Indonesia as a provider of electronic money & remittance services that can be enjoyed by all people in all corners of Indonesia.
Founded 2007 |
Mobile wallet service that provide a secure and safe payment solution for social shopping, issued by PT Smartfren Telecom and managed by Global Pay Indonesia.
Increase payment conversions of your online store with a complete payment method from WinPay.
Founded 2015 |
Xendit helps businesses accept payments and send money – simply, at speed, with great customer service.
yap! allows you to connect and use your debit account, credit card, and UnikQu, which will bring convenience to your daily life.
PT Mitra Transaksi Indonesia (Yokke!) is an established Joint Venture Company Between PT Bank Mandiri, Tbk (Indonesia) & BC Card (Korea). Our Company is a supporting Financial Institution which focuses on payment transaction. Our services include card processing payment transaction, marketing services and IT services.
YOURPAY
Yourpay is where e-money meet remittance service. User can do merchant payment, bill payment, withdraw their money, and transfer money domestically or internationally
PT.Max Interactives Technologies has established since 2010. By obtaining Content Provider. License issued by Ministry of Telecommunication and Information(Kominfo), we had engaged in various type Telco services, such as SMS business, content providers, game contents and in collaboration with serveral Telco in indonesia such as Telkomsel, Indosat, XL, 3 Hucthinson. A start of new chapter begun on December 2018, Bank Indonesia has approved our application as electronic money issue (server based) – “Zipay”.
Founded 2012 |
PT Bimasakti Multi Sinergi is an IT-based company with services in the Financial Technology (FinTech) industry in Indonesia, particularly in the micro-payment, e-commerce and travel businesses that continue to innovate and develop in terms of technology and services.
Deal-POS is a cloud based point-of-sale ( POS ), inventory and accounting software for your business. It’s the next generation point of sale system infused with cloud technology.
Mobey offers payment gateway and mobile application for card payment and helps to fulfill the digital payment needs in developing country. Our payment solution was intended for increasing customer satisfaction in the transaction and providing payment tool that is easier, safer, faster, and cheaper.
Founded 2015 |
Olsera is an unified POS and online store solution for Indonesia SME’s. We simplify offline business process, while also enabling business owners to benefits from online sales.
Omegasoft, is a business management based software developer, from Indonesia, who has more than 8 years experience in developing information and computing technology. Through each Omegasoft product, we provide convenience, speed, stability, and security of data access online, standalone, wireless, local area network to wide area network. We are more than a software development company, but also as a symbol of a movement, in advancing the rate of growth of a business, of every SME in Indonesia, in a sustainable manner. With Omegasoft, achieve freedom of business.
Founded 2013 |
Pawoon (founded in 2014) is a technology company based in Jakarta, Indonesia. It offers cutting-edge cloud-based point of sales (POS) solution for Small to Medium Enterprises (SMEs). Pawoon aims to provide a best-in-class platform for managing SMEs’ business in an efficient, productive and simpler way.
SPOTS, the cashier application for your business. SPOTS is a Point of Sale (POS) system from GOJEK to help entrepreneurs manage orders in one cashier application. Apart from being a system#PointOfSale(POS), SPOTS devices can also accept GO-FOOD orders, payments via GO-PAY, to print instant receipts, with just one device. Not only that, monitoring turnover is also more practical with a recap of transactions that can be directly seen from the application or email sent every day.
AdaKami is a peer-to-peer lending provider in Indonesia that provides unsecured loan (credit) facilities through online applications. AdaWe uphold the concept of a better life through credit facilities and financial capabilities at your fingertips. Our team is rich in experience in the field of risk management and data processing. By using data as a foundation stone, we apply innovative technology to provide financial services that can be easily obtained by our various customers. AdaKami is operated by PT Financing Digital Indonesia, an Indonesian legal entity company that is licensed and subject to peer-to-peer lending regulations issued and implemented by the Financial Services Authority (OJK).
Founded 2016 |
Akseleran is a Peer-to-Peer (P2P) Lending platform with the vision of making financial inclusion a reality in Indonesia. We help SMEs grow their businesses and also open up new investment opportunity for investors. We’re also registered at and monitored by Otoritas Jasa Keuangan (OJK).
Founded 2010 |
ALAMI is an SME financing aggregator that is focused on Islamic market. Established in late 2017, ALAMI has gain meaningful traction and achievement, such as winning INSEAD Venture Competition as runner-up in October 2017.
Founded 2010 |
In 2010, Amartha was founded as a Micro Finance company with the mission of connecting businesses in rural areas who have difficulty in getting business capital. Now Amartha has grown into a fintech peer to peer lending to connect directly to micro entrepreneurs with online financiers.
Founded 2017 |
Ammana is an online P2B Shariah-compliant SME lending platform. Offers individual investors to invest in business loans to be extended to SMEs. Offers 2 types of loans to borrowers & investors – one where the platform invests alongside the investor in SME loans and another where the investor funds 100% of the loan amount.
Founded 2013 |
Crowdo is a regional fintech company offering a full portfolio of alternative financing solutions across peer-to-business lending and securities / equity crowdfunding. Launched in 2013, Crowdo is one of the region’s largest and fastest growing platforms with over 38,000 members, 3500+ projects, and market presence in Singapore, Indonesia and Malaysia.
Danamas is a brand of a company that was founded in 2000 under the name PT. Komunindo Arga Digital, then to make it easier for consumers to change their name to PT Pasar Dana Loan, which is under the auspices of Sinarmas Financial Service. We are committed to providing solutions for productive business people, especially micro businesses, to be able to increase their business, which is always caused by the classic reason, namely lack of venture capital. This is understandable because of difficulties in accessing funding from financial institutions because of one thing or another, especially in terms of obtaining credit.
DanaRupiah is a Fintech (Financial Technology) Company which has officially been permitted and supervised by OJK KEP-18/D.05/2020 since May 19th 2020. As a legal and credible Fintech company, DanaRupiah provides financial services through an online lending service platform, with a mission to becoming one of the most trusted financial solution that contributes in improving society’s standard of living by providing various short-term loan options.
Founded 2017 |
Dompet Kilat is an online lending company which provides customers loans from Rp 500,000 to Rp 2,000,000 without collatoral. W With the use of Information Technology, the company guarantees complete online disburement of loans within one hour. The company operates in Indonesia.
Founded 2011 |
PT Esta Kapital Fintek is a legal entity established under the Law of the Republic of Indonesia, which has obtained a business license as a service provider for information technology-based lending and borrowing or Fintech Peer to Peer (P2P) Lending from the Financial Services Authority (OJK).
Founded 2017 |
Finmas offers an online lending platform in Indonesia which provides quick, easy and affordable access to loan requests through the mobile application.
Founded 2016 |
PT. FINTEGRA HOMIDO INDONESIA presents a solution of financial needs for business actors through the development of financial technology. As part of the financial world in the digital age, FINTEGRA officially formed since November 2016.
Founded 2017 |
Indodana is a fintech platform established by PT Artha Dana Teknologi to provide technology-based financial loans services established since November 2017. Indodana was established with the aim of providing financial services for people who do not get banking services.
Founded 2016 |
Investree provides peer to peer lending solutions to both businesses and individuals who seek fund using the platform. It connects lenders who want to invest money for a better funds as well as the borrowers who seeks funds for the businesses and personal use.
Founded 2016|
JULO is a digital lending company that is revolutionizing access to financial products for millions of new consumers in Indonesia. The Company has developed the first digital data-based credit guarantee and risk assessment platform to process consumer loan applications and determine their credit worthiness using its mobile app.
Founded 2016 |
KIMO is a technology-based company that digitizes financial inclusion by bridging capital financing from investor to beneficiary safely, easily, and quickly. This is our background in helping mobile credit sellers acquire capital to expand their businesses.
Founded 2016 |
KlikACC is a service that can connect people who need loans with investors who have more funds. You can present loans ranging from Rp1 million to Rp50 million for a maximum period of 36 months.
Founded 2016 |
KoinWorks is a P2P Lending service that allows you to become an investor with a capital of only Rp100,000. In addition to being able to choose where to borrow money invested, you can also monitor in real time how the performance of debtors in returning the loan money.
Founded 2016 |
KreditPro Indonesia is a financial technology company under PT Digiasia Bios.
Founded 2015 |
KTA Kilat commenced their lending fintech platform in Indonesia since December 2016, under the control by the parent company of Hadoop Fintech (Hong Kong) Limited, a limited liability company incorporated in Hong Kong. They aim to launch mobile innovation for more financial inclusion service the underbanked people. Their technology enables qualified borrowers to access affordable and flexible digital credit through mobile devices.
PT Astra Welab Digital Arta (AWDA), established in April 2018, is a joint venture company between PT Sedaya Multi Investama which is a subsidiary of PT Astra International Tbk and WeLab. AWDA is a fintech (financial technology) company that uses big data and machine learning to provide credit scores and loan approvals quickly and with quality. AWDA operates in Indonesia based on OJK Regulation No. 77 / POJK.01 / 2016 concerning information technology based lending and borrowing services.
Founded 2013 |
MEKAR Exchange is Indonesia’s first Online Peer to Peer micro lending platform developed to meet the needs of Indonesian micro and small entrepreneurs and lenders.
Founded 2016|
Founded in 2016, Modalku is a new marketplace for peer-to-peer (P2P) lending to give Indonesia’s small and medium enterprises (SMEs) greater access to funding by means of loans pooled from crowdfunding.
Pinjam Modal is a fintech peer-to-peer (P2P) lending platform, incorporated under PT Finansial Integrasi Teknologi, a subsidiary of PT BFI Finance Indonesia, Tbk. We are registered and fully licensed from Otoritas Jasa Keuangan (OJK).
PinjamanGo is a lending and borrowing money service product in Indonesia based on financial technology (fintech). PinjamanGo is a company from Sinar Mas that brings borrowers and lenders together in an online platform and offers financial services that can be enjoyed by all users.
PinjamWinWin provides unsecured short-term loans for personal or business purposes, legally established and regulated under Indonesian law.
The Pohon Dana was founded with one clear goal, which is to provide better and more efficient financial services to every consumer by utilizing our latest online technology.
With Online Technology, it will facilitate access to all Consumers, so that they can submit Financial Services anywhere and anytime.
Rupiah Cepat is a financial technology company, that provides information technology based loan services. To bring people closer and literate them about financial inclusion, as well as to support the growth of the Small and Medium Enterprises industry through channeling micro business loans.
Taralite is a financial service provider that operates in the P2P lending industry. Taralite is here to provide loan funds for your business needs, because we believe every business has the same opportunity to grow.
Tokomodal is a brand of PT Toko Modal Mitra Usaha. We are committed to providing solutions to productive business people to be able to improve their business by providing additional working capital. Tokomodal will provide a solution by bringing together lenders and recipients of loans directly with an online system that shortens the time and cost so that it can provide maximum results for all parties.
Founded 2014 |
UangTeman is an online lending platform that offers unsecured microloans to borrowers based in Indonesia. The platform enables users to apply for loans through their mobile phone by using only their ID card and their latest selfie. The platform determines the creditworthiness of applicants by leveraging big data analytics and disburses loans directly into the applicants account after successful verification. It is one of the first P2P Cash lenders to be granted the permanent license by OJK.
Founded 2013 |
Cek Aja is an online platform for comparing various financial and insurance products. It offers comparison of products such as loans, credit cards, insurance, deposits, investments, TV and Internet. It cooperates with different banks and does the mediation such as sending and receiving the papers for the ink signatures of the customers (mandatory in Indonesia). It is a part of the Compare 88 Group which operates in Indonesia and the Philippines.
Founded 2014 |
Cekpremi.com is an insurance comparison online portal that provides information and an impartial comparison of each loss insurance product offered. Cekpremi.com makes it easy for you to compare the insurance benefits you need, with the best promo offer.
Kredibel.co.id is a site that can identify whether someone has the potential to commit fraud or not, based on complaints and reports of users who have transacted with that person.
Founded 2015 |
Sikatabis.com is the most comprehensive financial comparison service (mortgage, loan, credit card, insurance, investment) in Indonesia.
9Lives is an insurtech company established in 2016. We’ve always believed that everyone deserves protection when they do their daily activities.
Asura (www.asura.co.id) is one of the leading online insurance businesses in Indonesia. We are supported by a young team of dynamic people that strive to help the people of Indonesia get insurance coverage that best fits their needs and desires.
Founded 2015 |
Asuransiku.id provides information on various insurance companies, Vehicle Insurance, Property Insurance, Life Insurance and Travel Insurance in Indonesia with the most complete, cheapest and most reliable insurance premiums.
Founded 2015 |
We are a technology startup that engages in the Indonesian financial technology area. We are based in Jakarta and we’re founded by ex-silicon valley engineers. Our vision is to use technology to make financial information more available and more useful to everyone.
FUSE, an application that was developed in such a way as to overcome obstacles in the insurance sector. With FUSE, both ordinary users who are interested in insurance or insurance agents themselves can use FUSE to facilitate information on insurance products, insurance purchases, online claim processing where everything can be done quickly and easily.
Founded 2011 |
Futuready.com is an online insurance supermarket. It is an initiative and a subsidiary of AEGON, one of the world’s leading providers of life insurance, pensions and asset management based in Jakarta, Indonesia.
Igloo is a full stack insurtech startup founded in 2016. It leverages big data, real-time risk assessment and end-to-end automated claims management to create innovative B2B2C insurance solutions for platform partners and insurers. Igloo’s insurance solutions enable companies to eliminate their exposure to operational risk, create new revenue streams and optimise and enhance existing products.
Best Online Health Insurance. Free insurance for health, dental, travel, vacation, and all high-risk activities.
Lifepal has become the number one marketplace for insurance products in Indonesia. With the support of machine learning and a simple and clear e-commerce experience based on convenience and accurate recommendations, our insurance products are simple to understand and transparent to any type of customer. No surprises nor hidden clauses.
In 2015, PasarPolis emerged in the industry as an aggregator platform for insurance. Over the past five years, we have grown into one of Indonesia’s first and leading Insurance Technology (Insurtech) companies with a strong focus on microinsurance.
Founded 2016 |
Premiro.com is an independent online service provider that lets you compare different insurance products provided by our insurance partners. Comparison service is provided free of charge. Fast and reliable, we make the process of choosing and buying insurance as simple as possible. It’s easy, the whole process can be done in five minutes.
Qoala is a disruptive insure-tech company that leverages big-data, machine learning, IoT and blockchain aiming to revolutionise insurance landscape in Indonesia. We partner with big companies, including e-commerce and travel platforms, to enhance their customer experience through our unique and innovative insurance products.
Founded 2013 |
RajaPremi is an online portal that provides information and comparison of various insurance products. RajaPremi is focused on financial services that provide various auto and personal accident insurances for Indonesian market.
WowPremi is an application that helps you buy insurance online safely, comfortably, and instantly. WowPremi is ready to help 24 hours with the activation process in less than 5 minutes.
Bizhare.id is An Indonesian Based Fintech Company that helps Profitable Small Medium businesses to share the ownership of their business to public investors, without even doing an IPO, with Equity Crowdfunding system. On the other hand, Ordinary Peoples can invest in those businesses or create new franchise store together and earn Passive income automatically through profit sharing.
Joint business investment in property assets and make regular profits. Small capital that is affordable for the wider community.
Ethis.co is a leading ethical fintech and crowdfunding company based in Southeast Asia. We focus on building and growing funding marketplaces to circulate good.
Founded 2015 |
Kapital Boost is all about growing communities. Whether it’s helping small businesses grow big or protecting the social welfare of less-privileged communities, our Singapore-based hybrid crowdfunding platform allows our members to invest or donate in a way that is ethical and Shariah-focused.
Founded 2013 |
Kitabisa is the most popular fund raising and donation platform (crowdfunding) in Indonesia. Since 2013, we provide online containers and technology for individuals, communities, organizations, and companies (we call the #Oranges)
Mapan is an Indonesia-based company that focuses on providing network of thousands of lower income communities with better access to valuable products and services using technology.
Santara is fully licensed by OJK and it is the largest equity crowdfunding platform in Indonesia.
WeCare.ID is a crowdfunding website built specifically to fund low-cost healthcare service for individuals/patients who cannot afford. Ideally the patient resides in the periphery areas or doesn’t have optimal access to Indonesia’s Government Insurance.
Bitocto aims to be the next-generation digital asset exchange to connect and provide simplicity in buying or selling digital assets securely among users, providing more liquidity and access to this new asset class.
We are an IT solution pioneer in Indonesia that specializes in providing enterprise-level solutions that focuses on Blockchain technology to meet your company needs. We believe that Blockchain is a powerful technology that will help businesses get better. By implementing distributed ledger, Blockchain can guarantee data integrity and assure its security.
Coinone provides blockchain-related financial services including cryptocurrency exchange, asset management and trading matching engines.
Founded in 2018 and Based in Jakarta, digitalexchange.id is Indonesia’s digital asset exchange platform with profitable features that provide fast trading execution, reliable digital wallet, and leading security practices in collaboration with some of the best cyber security companies.
Duitku is a Social Payment Gateway, with the Best MDR (Merchant Discount Rate) possible from most Payment Channels in Indonesia.
EMURGO is a global blockchain technology company providing solutions for developers, startups, enterprises & government.
HARA is a blockchain-based data exchange for the food and agriculture sector that has been operating since 2015. HARA provides farmers and other players in the agricultural sector with valuable data. HARA has acquired usually hard-to-find data such as farmer, land, weather data in different provinces across Indonesia. This data is beneficial for institutions across the sectors to make data-driven decisions.
We’re making crypto currency mining a lot easier and accessible for everyone who are interested in becoming miners. You will be able to be a part of the community through an uncomplicated process and start earning masternode rewards from the get-go.
INDODAX is the Largest Indonesia Digital Crypto Exchange that act as backbone for the entire finance ecosystem in Indonesia that implementing public blockchain technology. Formerly knows as Bitcoin Indonesia. It has been serving Indonesia and South East Asia since 2014. We build a world-class Digital Asset service business that focuses on exceptional customer service, continuous innovation and long term client relationships.
Founded 2013 |
Luno is a leading global digital currency company with a team of over 40 technology and finance experts, operating across several countries and continents. Our products and services make it safe and easy for people and businesses to store, buy, use and learn about digital currencies like Bitcoin.
Portfolio management company making investments in Indonesia’s growing mining and infrastructure industries.
OnlinePajak is a SaaS-based tax reporting tool that helps the local SMEs to calculate, pay, and report on their corporate tax.
Pintu is a mobile first digital asset (blockchain based) platform that offers customers the opportunity to safely buy, sell, manage, and utilize their blockchain based assets. Our name is derived from the Indonesian word for door, just like doors, our app provides the opportunity to access a new open financial system and when closed allows for the safekeeping of assets stored on our platform.
Founded 2014 |
Pundi X is a leading developer of blockchain-powered devices which include the XPOS, the world’s first point-of-sale solution that enables merchants and consumers to conduct in-store transactions instantly on the blockchain, and the world’s first blockchain phone called BOB powered by Function X which allows you to own and control your data without any centralized service provider. The XPOS solution has been shipped to over 25 markets including Argentina, Australia, Colombia, Korea, Singapore, Spain, Taiwan and the USA. 100,000 XPOS devices are being targeted to roll out globally by 2021.
Indonesia Cryptocurrency Marketplace. Exchange platform for buying and selling Bitcoin, Ethereum and crypto assets in Indonesia. Deposit and Withdrawal of Rupiah 24 hours without holidays.
Tokocrypto is Indonesia’s no. 1 most trusted crypto-assets digital exchange. We are the first entity in Indonesia to be registered under the Trade and Futures Exchange Ministry (BAPPEBTI).
Upbit is a financial firm with focus on leveraging technology in providing unique credit lending solutions in speciality markets.
The Next Generation Blockchain for Mass Adoption, Born for DApps Usability and Retail Penetration.
Pundi X is a leading developer of blockchain-powered devices which include the XPOS, the world’s first point-of-sale solution that enables merchants and consumers to conduct in-store transactions instantly on the blockchain, and the world’s first blockchain phone called BOB powered by Function X which allows you to own and control your data without any centralized service provider. The XPOS solution has been shipped to over 25 markets including Argentina, Australia, Colombia, Korea, Singapore, Spain, Taiwan and the USA. 100,000 XPOS devices are being targeted to roll out globally by 2021.
Zipmex seeks to educate, excite, and enrich everyday people with new financial possibilities on its innovative, secure, and fully-regulated digital assets exchange.
Other resources you might be interested in:
Curious about other Asian Fintech Startup Directories and lists? Here’s a nice overview page looking at the fintech startups directories in Asia by country.
