Startup

Flip

Startup

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

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.

Globalindo Multi Finance(GMF) are credit and leasing establishments for businesses.

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.

IndoGold

Startup

Digital gold trading app tracing back to a family precious-metals business, now a BAPPEBTI-licensed platform for buying and storing Antam gold bars.

iPaymu

Startup

iPaymu aggregates virtual accounts, QRIS, retail outlets and e-wallets into one payment gateway for Indonesian online sellers, with a bundled invoicing and withdrawal dashboard.

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.

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.

Krom Bank

Startup

Krom Bank Indonesia, majority-owned by Kredivo Group, is a digital bank offering app-based savings and time deposits targeted at millennial customers.

Lakuemas

Startup

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

LAPS SJK is a financial services industry alternative dispute resolution mechanism.

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.