Startups

AdaKami

Startup

AdaKami runs a collateral-free consumer lending app, using data-driven credit scoring to approve small personal loans quickly for borrowers who lack a conventional bank credit history.

Ajaib

Startup

Retail stock and crypto investing app that became one of Indonesia's fintech unicorns.

Akulaku

Startup

Consumer finance platform, instalments, digital banking and wealth, across Southeast Asia.

ALAMI

Startup

ALAMI runs a sharia-compliant peer-to-peer lending platform, matching retail funders with small and medium businesses that need working capital structured under Islamic finance contracts rather than interest-bearing loans.

Fintech for distressed consumer loans in Southeast Asia

Amartha

Startup

Microfinance marketplace connecting rural women-led ultra-micro businesses with capital.

Asetku

Startup

Asetku is a consumer peer-to-peer lending platform operating under the Akulaku group, letting retail lenders fund short-term personal loans made to Akulaku's borrower base.

AwanTunai digitizes ordering for FMCG wholesalers and their warung customers and embeds inventory-purchase financing into that workflow, letting small retailers stock up on goods without paying suppliers upfront.

Ayoconnect

Startup

Ayoconnect runs one of Indonesia's largest open finance API platforms, letting banks, e-wallets and retailers plug into bill payments, account data and disbursement rails.

Indonesia's first online mutual-fund marketplace, letting investors compare and buy funds from multiple asset managers alongside government bonds and gold.

Bibit

Startup

Robo-advisor for mutual funds and bonds; sister product of stock community and brokerage Stockbit.

Bizhare

Startup

Bizhare runs an OJK-licensed securities crowdfunding platform where retail investors buy equity, bonds or sukuk in SMEs, franchises and property projects.

Brankas

Startup

Brankas builds open finance APIs that let banks, lenders and merchants plug into account aggregation, direct bank transfers and identity verification across Southeast Asia.

Briix specializes in mortgages, wealth management, and property management.

BukuKas offers Indonesian MSMEs a free digital cashbook app for tracking daily sales, expenses and customer debt, with WhatsApp payment reminders built in.

BukuWarung

Startup

Bookkeeping and payments app for millions of Indonesian micro-merchants.

Cashlez

Startup

Cashlez, an IDX-listed fintech now branded cashUP, sells mobile card readers and QRIS point-of-sale tools that let Indonesian merchants accept cashless payments anywhere.

CekAja

Startup

CekAja operates a financial products comparison site where users size up credit cards, personal loans, deposits and insurance from Indonesian banks side by side.

CEPAT LAKU is a property marketplace that brings together renters to produce property transactions.

Cermati

Startup

Cermati runs a financial marketplace where Indonesians compare credit cards, loans, deposits and insurance products from partner banks before applying online.

Cicil finances Indonesian university students who lack a credit history or bank account, using non-traditional data for underwriting and letting them pay tuition and study-related costs in monthly installments.

DANA

Startup

Digital wallet used by tens of millions of Indonesians for everyday payments.

Danacita

Startup

Danacita lets university and course students split tuition and other education costs into monthly installments, partnering directly with the schools so the institution is paid in full while the student repays over time.

Fazz

Startup

Fazz grew out of PayFazz's agent-banking network for Indonesian warungs and merged with Xfers to become a group offering merchant payments, disbursement and business banking.