Startup

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.

Modal Rakyat operates a peer-to-peer lending marketplace offering SME term loans, micro loans and invoice financing, letting retail lenders fund vetted small businesses in exchange for a fixed annual return.

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.

Moka is a Jakarta-built cloud point-of-sale system for cafes and retailers, now part of GoTo, bundling cashiering, inventory, loyalty and payment acceptance in one platform.

Moladin

Startup

Used-car financing and dealer platform digitising Indonesia's auto value chain.

Nanovest

Startup

Sinar Mas-backed app for fractional US stock investing, alongside crypto and gold, aimed at Indonesians starting with small amounts.

NICEPAY

Startup

NICEPAY is a Jakarta payment gateway processing cards, virtual accounts, direct debit and e-wallet transactions for online and offline merchants across Indonesia.

OVO

Startup

OVO is a Jakarta-based digital wallet used across Grab's ride-hailing, food delivery and retail partners for QRIS payments, transfers, points and savings products.

OY! Indonesia

Startup

OY! Indonesia runs a disbursement and collection platform that lets businesses send bulk payouts to over a hundred banks and collect payments through virtual accounts and links.

PT Pelangi Indodata provides IT solutions, including software integration, infrastructure management, and digital transformation.

Pintek finances Indonesia's education sector from both sides of the ledger, offering tuition loans to students and working-capital or facility loans to schools, tutoring centers and other education businesses.

Pluang

Startup

Multi-asset investment app, gold, US stocks, crypto and funds, for first-time Indonesian investors.

Pool Advista Finance is a financial services company.

Pro Visioner Konsultindo is a tax consultant firm that provides transfer pricing services and tax consulting services.

Provesty is a financial services company.

PT Batavia Prosperindo Internasional is a management consultant and investment management company.

PT Nusantara is an investment company that provides textile trading and yarn spinning services.