Startup

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.

Brick

Startup

Brick is a Jakarta open finance API company giving businesses account aggregation, payment initiation and identity verification connected directly into Indonesian banks.

Broom

Startup

Automotive fintech giving used-car dealers inventory-backed working capital.

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.

DanaBijak lends small, short-tenor unsecured cash loans to underbanked Indonesian consumers through its own app, and its team also built the embedded-lending infrastructure that now powers loans for partner platforms.

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.

Danamas

Startup

Danamas is a peer-to-peer lending platform under the Sinar Mas group, one of the first to receive an OJK operating license, matching retail lenders with micro and small business borrowers seeking working capital.

Danasupra Erapacific engages in leasing, factoring and consumer financing services.

DOKU

Startup

DOKU was Indonesia's first locally built payment gateway, and now issues e-money and runs remittance and biller-payment rails for tens of thousands of merchants.

Duitku

Startup

Duitku is a Jakarta payment gateway processing millions of monthly transactions across virtual accounts, e-wallets, cards and retail outlets for Indonesian online businesses.

Equity Development Investment is an investment company.

Faspay

Startup

Faspay is an early Indonesian payment gateway connecting online merchants to bank transfers, cards, e-wallets and retail outlets under a Bank Indonesia payment-system licence.

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.

FIFGROUP

Startup

FIFGROUP is Astra's financing arm and Indonesia's largest motorcycle-financing company, built around Honda motorcycle loans and now also offering multipurpose and sharia-compliant consumer financing.

Finnet is Telkom Indonesia's payment subsidiary, aggregating bill payments and running electronic payment and payment-gateway services for banks and billers nationwide.