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.

Adira Finance

Startup

Adira Finance is a long-established, publicly listed multifinance company financing new and used motorcycles and cars, plus multipurpose consumer loans for durables, home renovation and other household needs.

Ajaib

Startup

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

Peer-to-peer lending marketplace licensed by Indonesia's OJK, channelling funds from retail and institutional lenders into working-capital loans for small and medium businesses.

Aktivaku runs an asset-backed peer-to-peer lending platform, matching people or businesses that pledge collateral for a loan with individual funders who lend against that collateral outside the banking system.

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.

Allo Bank

Startup

Allo Bank is CT Corp's digital banking arm, combining a savings and payments app with the Allo Prime and Allo Pay wallet products across CT Corp's retail network.

Amar Bank

Startup

Amar Bank runs a digital-only savings app, Senyumku, alongside its Tunaiku lending arm, serving Indonesia's unbanked and underbanked retail customers.

Amartha

Startup

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

Artajasa

Startup

Artajasa built and still runs ATM Bersama, the interbank switching network that lets customers of dozens of Indonesian banks withdraw and transfer across each other's ATMs.

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.

Bank Aladin Syariah

Startup

Bank Aladin Syariah is a fully digital Islamic bank offering app-based sharia savings, financing and payments, with retail partnerships to widen financial inclusion.

Bank Jago is a technology-driven digital bank offering app-only savings pockets, payments and lending, tightly integrated with the GoTo ecosystem for everyday transactions.

Bank Neo Commerce, backed by Akulaku, runs the neobank app offering digital savings, business loans and QRIS payments to Indonesia's mass and micro-business market.

Bank Raya

Startup

Bank Raya is BRI Group's digital banking subsidiary, built around app-based savings and micro-lending for gig workers and Indonesia's ultra-micro business segment.

Bank Saqu

Startup

Bank Saqu, backed by Astra Financial and WeLab, is a digital bank built for solopreneurs and small businesses, offering savings pockets and automated saving tools.

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

BFI Finance

Startup

BFI Finance is a publicly listed multifinance company financing cars, motorcycles and heavy equipment through a nationwide branch network, one of the longest-running non-bank lenders in the Indonesian market.

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.