Startups

Finansialku

Startup

Finansialku is a Bandung-based personal finance platform offering budgeting tools, investment tracking and access to certified financial planners through its app.

Flip

Startup

Consumer money movement, free interbank transfers, remittance and business disbursements.

Fundex.id is a securities crowdfunding platform that enables investment in pre-series startups, particularly in the digital creative sector.

GandengTangan is a community crowd-lending platform that pools money from individual lenders and channels it to micro and small businesses through partner cooperatives, which handle local vetting and collection.

1st Mortgage Marketplace in Indonesia

Hijra is a Islamic based fintech company that offers digital banking services.

Hijrah Nuswantara is a digital payment technology that provides financial services.

Indodana

Startup

Indodana provides paylater installment financing and personal loans through a mobile app, splitting into separate fintech-lending and multifinance licensed entities to serve both e-commerce and offline checkout financing.

Indofund

Startup

Indofund.id operates a peer-to-peer lending marketplace offering micro-financing, working-capital loans and invoice financing to small businesses, funded by individual and institutional lenders on the platform.

Jalin

Startup

Jalin operates the switching network behind Indonesia's state-owned banks, routing ATM, debit and QRIS transactions under a Bank Indonesia switching licence.

Jarvis Asset Management provides investment management services with products designed to the investor's needs.

JULO

Startup

Digital credit for underbanked Indonesians via a virtual credit card and loans.

Kandangin is Project Financing Platform Focus to help Farmers in Indonesia

Kitabisa

Startup

Indonesia's largest donation and mutual-aid platform, moving gotong royong online.

KoinWorks

Startup

KoinWorks started as a peer-to-peer lender to small and medium businesses and has since layered on invoice financing, business cards and budgeting tools, positioning itself as a credit-led neobank for Indonesian MSMEs.

Komunal

Startup

Komunal digitizes Indonesia's rural banks, running a marketplace where retail depositors buy BPR time deposits and a peer-to-peer lending line that channels funding into loans those rural banks make to local MSMEs.

Kredit Pintar

Startup

Kredit Pintar's app lends small, short-tenor cash loans without collateral, aiming at borrowers who need quick funds for daily needs, small business capital or tuition and repay over a matter of weeks.

Kredivo

Startup

Buy-now-pay-later and digital credit across Indonesia and Vietnam; the group behind Krom Bank.

Lakuemas

Startup

Digital gold platform from jewelry group Central Mega Kencana, pairing an online savings app with physical gold ATMs for cash-out.

LinkAja

Startup

LinkAja is the e-wallet backed by Indonesia's state-owned banks and Telkomsel, built to bring cashless payments, transfers and bill top-ups to a state-linked merchant network.

Mekar channels retail lenders' funds through partner microfinance cooperatives that in turn lend to small, mostly women-run businesses, with the partner cooperatives handling local borrower vetting and collection.

Midtrans

Startup

Midtrans is GoTo's payment gateway, giving Indonesian merchants a single integration for GoPay, QRIS, cards, bank transfers and other local payment methods.

SME digital financing platform, the Indonesian arm of Funding Societies. Southeast Asia's largest SME lender.

Moduit

Startup

Digital wealth-management platform combining a mutual-fund and bond marketplace with human financial-advisory services for individual investors.