Professional Documents
Culture Documents
INDONESIA
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PREFACE FINTECH
INDONESIA
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FINTECH
INDONESIA
INTRODUCTION
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FINTECH INDONESIA START-UPS FINTECH
GLOBAL INDEX INDONESIA
IN THE WORLD
Population: 250 Million
GDP Growth Rate: 5.18 %
Internet Penetration: 28%
Internet Users: 72.2 Million
Mobile Penetration: 21%
Mobile Users; 54 Million
Remittance:
2014 8.55 Billion
$
2015 10.5 Billion $
Smartphone Users: 44.7
Million
Smartphone Penetration:
19%
Bank Account Penetration:
36%
Credit Card Penetration: 3%
POPULATION
>250 Million
160
144.2
140 136.2
128.1
120.1
120 112.1
104.2
100 96.5
89
80
Number of User in Million
60
40
20
0
2014 2015 2016 2017* 2018* 2019* 2020* 2021*
SOURCES Comscore
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Statista
FINTECH INDONESIA START-UPS FINTECH
ONLINE ACTIVITIES INDONESIA
Instand messaging
Instant messaging 45%
SOURCES Statista
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FINTECH INDONESIA START-UPS FINTECH
MEDIA INDONESIA
Description
FintechNews gives daily informations about financial technology in South-East Asia - i.e. Mobile
Payment, Personal Finance, Bitcoin, Blockchain, Robo Advisor and Lending.
Media
Fintech Singapore
Website
fintechnews.sg
Category
fintechnews.sg/
indonesia
Facebook
facebook.com/
Fintech-Indonesia-
177477972669098/
Facebook Group
facebook.com/groups/
FintechIndonesia/
Founded
2014
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FINTECH
INDONESIA
AGENDA
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FINTECH
Agenda INDONESIA
OVERVIEW
PAYMENT
LENDING
ACCOUNTING
COMPARISON
CROWDFUNDING
CRYPTOCURRENCY
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FINTECH INDONESIA START-UPS FINTECH
OVERVIEW (1/2) INDONESIA
2%
4% 4%
9%
Personal Finance
Investment
Payment
17% 32% POS
Lending
Accounting
Comparison
Crowdfunding
6%
Cryptocurrency
15% 11%
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FINTECH INDONESIA START-UPS FINTECH
OVERVIEW (2/2) INDONESIA
Personal Finance
& Investment
Payment
POS
Lending
Accounting
Compariso
n
Crowd
funding
Crypto
Currency
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FINTECH
Agenda INDONESIA
OVERVIEW
PAYMENT
LENDING
ACCOUNTING
COMPARISON
CROWDFUNDING
CRYPTOCURRENCY
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PERSONAL FINANCE FINTECH
NGATUR DUIT INDONESIA
Description
Founded in 2010, NgaturDuit is an Indonesia-based online service provider for users to plan
and track their budget and expenses. NgaturDuit ran the extra mile by offering users with
financial consultancy services, which is powered by IARFC, the largest personal financial
planner group in Indonesia. NgaturDuit is a joint operation between two small IT consultancy
companies.
Company
Ngatur Duit
Website
ngaturduit.com
Country/City
Indonesia/Jarkata
Founded
2010
Topic
Personal Finance
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INVESTMENT FINTECH
STOCKBIT INDONESIA
Description
Stockbit is an online investment community for traders of the Indonesia Stock Exchange. It
acts as a space for investors and traders to share ideas, insights, and other financial
information in real-time on a social network. Users can locate ideas, stock market data,
media links and other financial information. The underlying value of Stockbit is that it allows
traders to make better-informed investment decisions.
Company
Stockbit
Website
stockbit.com
Country/City
Indonesia/Jarkata
Founded
2012
Topic
Investment
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INVESTMENT FINTECH
BAREKSA INDONESIA
Description
Bareksa is an integrated investment portal. Launched in 2013 by PT Bareksa Portal
Investasi, it is the countrys first of its kind, offering customers with data services and
investment tools, news and information, learning center, and an investors community.
Bareksa allows users to buy and sell mutual funds online and aims at facilitating people to
invest.
Company
Bareksa
Website
bareksa.com
Country/City
Indonesia/Jarkata
Founded
2013
Topic
Investment
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FINTECH
Agenda INDONESIA
OVERVIEW
PAYMENT
LENDING
ACCOUNTING
COMPARISON
CROWDFUNDING
CRYPTOCURRENCY
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PAYMENT FINTECH
KARTUKU INDONESIA
Description
Kartuku is one of Indonesias oldest electronic payments companies. Kartuku is a Third Party
Processor (TPP) and Payment Service Provider (PSP) offering hardware products such as
payment terminals, network access equipment, and card printers and encoders, and
software solutions such as transaction processing switch, Internet payment gateway, smart
card applications, and terminal line encryption.
Company
Kartuku
Website
kartuku.com
Country/City
Indonesia/Jarkata
Founded
2001
Topic
Payment
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PAYMENT FINTECH
DOKU INDONESIA
Description
Founded in 2007, DOKU provides electronic payment processing, online and in-mobile
applications enabling e-commerce merchants of any size to accept a wide range of online
payment options from credit cards to emerging payment types. The firm also launched its
own wallet DOKU Wallet to allow easier online transactions.
Company
DOKU
Website
doku.com
Country/City
Indonesia/Jarkata
Founded
2007
Topic
Payment
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PAYMENT FINTECH
VERITRANS INDONESIA
Description
Veritrans is an online payment gateway, supporting Indonesian e-commerce. Veritrans
processes payments through credit card, direct debit, bank transfer, Indomaret and digital
wallet.
Company
Veritrans
Website
veritrans.co.id
Country/City
Indonesia/Jarkata
Founded
2013
Topic
Payment
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PAYMENT FINTECH
XENDIT INDONESIA
Description
XENDIT is a mobile wallet that allows consumers to pay each-other simply and without fees.
Xendit provides mobile payments for South-East-Asia.
Company
Xendit
Website
xendit.co
Country/City
Indonesia/Jarkata
Founded
2014
Topic
Payment
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PAYMENT FINTECH
VERYFUND INDONESIA
Description
Veryfund used to verify payment for your customers who pay by bank transfer method
internet banking / ATM.
Company
Veryfund
Website
veryfund.co
Country/City
Indonesia/Jarkata
Founded
2015
Topic
Payment
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PAYMENT FINTECH
DOMPETKU INDONESIA
Description
Dompetku is an electronic money service provided for Indosat Customer to do financial
transactions. Indosat recognized the opportunity to provide mobile money services to its
customers in Indonesia and launched its Dompetku mobile wallet in 2008, on the back of the
Electronic Money and Remittance license it acquired from Bank Indonesia.
Company
Dompetku
Website
dompetku.id
Country/City
Indonesia/Jarkata
Founded
2008
Topic
Payment
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PAYMENT FINTECH
XL TUNAI INDONESIA
Description
XL Tunai is an electronic money service from XL that allows XL customers to make financial
transactions by only using their phones. Types of transaction that can be used are XL credit
purchase, billing payment, shop at merchants, online shopping, also national and
international remittance, which all can be done any time and any where.
Company
XL Tunai
Website
xl.co.id
Country/City
Indonesia/Jarkata
Founded
2013
Topic
Payment
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PAYMENT FINTECH
PADIPAY INDONESIA
Description
PadiPay is a Payment Aggregator in Indonesia. Currently managing partnership with All
Banks in Indonesia, including Transfer, Commerce, and Wallet Payment, PadiPay offers you
a wide variety of payment channel as well as flexible arrangement specially designed for
your needs.
Company
Padipay
Website
padipay.com
Country/City
Indonesia/Jarkata
Founded
2013
Topic
Payment
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PAYMENT FINTECH
IPAYMU INDONESIA
Description
Ipaymu, an online payment provider that will enable users to make transactions over the
Internet from 137 banks operating in the country, as well as through state postal service POS
Indonesia, which has more than 4,000 outlets throughout the country.
Company
IPaymu
Website
ipaymu.com
Country/City
Indonesia/Jarkata
Founded
2014
Topic
Payment
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PAYMENT FINTECH
KESLES INDONESIA
Description
KESLES Indonesia is a server-based mobile application that offers convenience for
members in transaction processes. With each transaction, not only will KESLES members
receive attractive offers from participating merchants, they will also earn reward points that
can be redeemed for attractive prizes.
Company
KESLES
Website
kesles.com
Country/City
Indonesia/Jarkata
Founded
2015
Topic
Payment
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PAYMENT FINTECH
MIMOPAY INDONESIA
Description
Mimopay is a revolutionary mobile internet payment enabler that enables the delivery of
secure online games solution across a wide range of Internet-enabled & mobile devices.
Company
Mimopay
Website
mimopay.com
Country/City
Indonesia/Jarkata
Founded
2012
Topic
Payment
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PAYMENT FINTECH
TAPP. INDONESIA
Description
Tapp provides an innovative peer-2-peer commerce exchange network, which allows people
without bank accounts or credit cards to locate mobile point of sales, in order to pay for
goods & services via mobile in a super cool way.
Company
Tapp.
Website
tappcommerce.com
Country/City
Indonesia/Jarkata
Founded
2013
Topic
Payment
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PAYMENT FINTECH
TCASH INDONESIA
Description
Instead of paying with cash or debit card, customers can now use T-Cash with a cellular
phone to pay for various services and goods and to transfer money with T-Cash.
Company
TCash
Website
digitalpayment.
telkomsel.com
Country/City
Indonesia/Jarkata
Founded
2011
Topic
Payment
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PAYMENT FINTECH
DIMO INDONESIA
Description
Dimo Pay Indonesia is a digital payment service company, one of the services is Pay By QR,
enabling mobile banking and e-wallet applications to pay via QR Code everywhere.
Company
Dimo
Website
dimo.co.id
Country/City
Indonesia/Jarkata
Founded
2014
Topic
Payment
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PAYMENT FINTECH
MANDIRI E-CASH INDONESIA
Description
Mandiri e-cash, a joint venture company providing revolutionary digital payment. Mandiri e-
cash is a debit system linked to mobile phone numbers rather than bank accounts. Users
deposit funds at e-cash agents, usually shops or kiosks or transferring from existing bank
accounts. The funds can then be drawn upon for transfers and payments. Without an bank
account, you are able to withdraw the cash at Mandiri ATM.
Company
Mandiri e-cash
Website
mandiriecash.co.id
Country/City
Indonesia/Jarkata
Founded
2013
Topic
Payment
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FINTECH
Agenda INDONESIA
OVERVIEW
PAYMENT
LENDING
ACCOUNTING
COMPARISON
CROWDFUNDING
CRYPTOCURRENCY
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POINT OF SALE SYSTEMS (POS) FINTECH
PAWOON INDONESIA
Description
Pawoon is cloud-based Point of Sales (POS) application for Small to Medium Enterprises
(SMEs). Pawoon help SMEs becoming more efficient and productive in running their
business, by providing a platform that gives them the tools to thrive in the current era of
connected commerce.
Company
Pawoon
Website
pawoon.com
Country/City
Indonesia/Jarkata
Founded
2013
Topic
POS
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POINT OF SALE SYSTEMS (POS) FINTECH
OLSERA INDONESIA
Description
Olsera is an unified online store, POS & M-Commerce solution for Indonesia SME's. With
Olsera, the store owner can manage product, do sales, manage inventory, arrange delivery,
generate report, all in one source.
Company
Olsera
Website
olsera.com
Country/City
Indonesia/Jarkata
Founded
2015
Topic
POS
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POINT OF SALE SYSTEMS (POS) FINTECH
OMEGA POS CLOUD INDONESIA
Description
Omega POS is the point of sale that takes care of digital receipts, inventory, and sales
reports and provides valuable analytics and feedback. Omega POS serves businesses big
and small, from restaurant/cafe, retailers, distribution & services.
Company
Omega POS
Website
omegaposcloud
.com
Country/City
Indonesia/Jarkata
Founded
2013
Topic
POS
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POINT OF SALE SYSTEMS (POS) FINTECH
DEALPOS INDONESIA
Description
DealPOS is a cloud based point-of-sale ( POS ), inventory and accounting software for your
business.
DealPOS was founded to provide small businesses with an easy to use software to help
manage their inventory and billing activities. They saw how many retailers struggle with their
point of sale system and wanted to build an intuitive and user friendly register system.
Company
DealPOS
Website
dealpos.com
Country/City
Indonesia/Jarkata
Founded
2013
Topic
POS
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POINT OF SALE SYSTEMS (POS) FINTECH
MOKA INDONESIA
Description
Moka is a mobile Point of Sale (POS) technology start-up in Jakarta, Indonesia. Backed by
East Ventures and Wavemaker, Moka provides an end-to-end POS and payment solution
that empowers small and medium businesses in Indonesia.
Company
Moka
Website
mokapos.com
Country/City
Indonesia/Jarkata
Founded
2014
Topic
POS
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FINTECH
Agenda INDONESIA
OVERVIEW
PAYMENT
LENDING
ACCOUNTING
COMPARISON
CROWDFUNDING
CRYPTOCURRENCY
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LENDING FINTECH
MODALKU INDONESIA
Description
Founded in 2016, Modalku is a new marketplace for peer-to-peer (P2P) lending to give
Indonesias small and medium enterprises (SMEs) greater access to funding by means of
loans pooled from crowdfunding.
Company
Modalku
Website
modalku.co.id
Country/City
Indonesia/Jarkata
Founded
2016
Topic
Lending
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LENDING FINTECH
TARALITE INDONESIA
Description
Taralite is an online lending service site which offers loans to Indonesians for various
occasions such as weddings, education, and house renovations. Taralite is ready to serve
Indonesians across the archipelago including Java, Sumatera, Kalimantan, Sulawesi, Nusa
Tenggara, and Papua.
Company
Taralite
Website
taralite.com
Country/City
Indonesia/Jarkata
Founded
2015
Topic
Lending
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LENDING FINTECH
PINJAM INDONESIA
Description
Pinjam Indonesia is an Indonesian financial technology company that provides an online
platform for immediate cash solution,without a face-to-face process by offering pick-up and
delivery services. Our first product is an online pawnbroking service.
Company
Pinjam
Website
pinjam.co.id
Country/City
Indonesia/Jarkata
Founded
2015
Topic
Lending
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LENDING FINTECH
UANGTEMAN INDONESIA
Description
UangTeman.com is an online lending service that provides instant short-term microcredit to
Indonesian consumers. At present, they offer unsecured loans of a maximum of 3.5 million
Rupiah for a maximum of 30 days. The big data driven credit risk algorithms determine, in
real time, the creditworthiness of loan applicants within Indonesia.
Company
Uangteman
Website
uangteman.com
Country/City
Indonesia/Jarkata
Founded
2015
Topic
Lending
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LENDING FINTECH
KREDIVO INDONESIA
Description
Kredivo gives ecommerce shoppers instant credit financing based on real-time decisioning.
Buy now and pay later without any interest or fees. For ecommerce merchants, Kredivo
enables instant Point of Sale (PoS) financing with a unique 2-click purchase option that
makes buying a joy.
Company
Kredivo
Website
kredivo.com
Country/City
Indonesia/Jarkata
Founded
2015
Topic
Lending
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LENDING FINTECH
INVESTREE INDONESIA
Description
Investree created a Peer-to-Peer (P2P) Lending platform that connects people who want to
invest money with people who want to borrow money. Investree will administer the lending
process by verifying borrowers creditworthiness, facilitating the fund between borrower and
investors, and documenting legal loan agreement.
Company
Investree
Website
investree.id
Country/City
Indonesia/Jarkata
Founded
2015
Topic
Lending
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LENDING FINTECH
MEKAR INDONESIA
Description
MEKAR Exchange is Indonesias first Online Peer to Peer micro lending platform developed
to meet the needs of Indonesian micro and small entrepreneurs and lenders.
Company
Mekar
Website
mekar.id
Country/City
Indonesia/Jarkata
Founded
2013
Topic
Lending
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FINTECH
Agenda INDONESIA
OVERVIEW
PAYMENT
LENDING
ACCOUNTING
COMPARISON
CROWDFUNDING
CRYPTOCURRENCY
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ACCOUNTING FINTECH
JOJONOMIC INDONESIA
Description
Jojonomic is the leading mobile expense reimbursement solution in South East Asia. They
are an SaaS (Software as a Service) B2B (Business to Business) Fintech (Financial
Technology) company, serving prominent enterprises throughout Indonesia.
Company
Jojonomic
Website
jojonomic.com
Country/City
Indonesia/Jarkata
Founded
2015
Topic
Accounting
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ACCOUNTING FINTECH
JURNAL INDONESIA
Description
Jurnal is a tech company delivering web-based accounting solutions for small to medium
businesses. We simplify administrative processes to only the essentials.
Company
Jurnal
Website
jurnal.id
Country/City
Indonesia/Jarkata
Founded
2014
Topic
Accounting
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ACCOUNTING FINTECH
AKUNTING MUDAH INDONESIA
Description
Akunting Mudah (which translates to Easy Accounting) is another cloud-based accounting
software. Akunting Mudah helps users prepare and analyze their financial statements. The
firm claims users dont even need to understand the basic theory of accounting to use the
product.
Company
Akunting Mudah
Website
akuntingmudah
.com
Country/City
Indonesia/Jarkata
Founded
2013
Topic
Accounting
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FINTECH
Agenda INDONESIA
OVERVIEW
PAYMENT
LENDING
ACCOUNTING
COMPARISON
CROWDFUNDING
CRYPTOCURRENCY
@FINTECHINA
COMPARISON FINTECH
HALOMONEY INDONESIA
Description
HaloMoney is a comparison website for financial products such as insurance, broadband,
banking and loans, aims at empowering customers to take more control over their finances.
HaloMoney is part of Compare Asia Group, the regions leading financial comparison engine
which also operates in Hong Kong, the Philippines, Taiwan, Thailand, Malaysia and
Singapore.
Company
HaloMoney
Website
halomoney.co.id
Country/City
Indonesia/Jarkata
Founded
2013
Topic
Comparison
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COMPARISON FINTECH
CEKAJA INDONESIA
Description
CekAja is a comparison website for financial products focusing on accuracy, security, and
simplicity. The portal compares personal loans, credit cards, deposits, and syariah, a deposit
that follows Islamic principles. CekAja also offers comparison for mortgages, vehicle
financing, vehicle insurance, property insurance, life insurance, and electronics insurance
products, and helps customers apply for related services.
Company
CekAja
Website
cekaja.com
Country/City
Indonesia/Jarkata
Founded
2013
Topic
Comparison
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COMPARISON FINTECH
CERMATI INDONESIA
Description
Cermati, an online portal for finding and comparing financial products in Indonesia. Cermatis
goal is to help Indonesians research, compare, and choose financial products online in an
effort to save them time and money.
Company
Cermati
Website
cermati.com
Country/City
Indonesia/Jarkata
Founded
2015
Topic
Comparison
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COMPARISON FINTECH
CEKPREMI INDONESIA
Description
Cekpremi.com is an online portal that provides information and comparison of various
insurance products.
Company
Cekpremi
Website
cekpremi.com
Country/City
Indonesia/Jarkata
Founded
2014
Topic
Comparison
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COMPARISON FINTECH
RAJAPREMI INDONESIA
Description
RajaPremi is an online portal that provides information and comparison of various insurance
products. RajaPremi is focused on financial services that provide various auto and personal
accident insurances for Indonesian market.
Company
Rajapremi
Website
rajapremi.com
Country/City
Indonesia/Jarkata
Founded
2013
Topic
Comparison
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COMPARISON FINTECH
ATUR DUIT INDONESIA
Description
Atur Duit compares credit cards, loans, broadband and insurance by providing consumers
with the convenience of online comparison and the benefit of telephone-based advice.
Company
Atur Duit
Website
aturduit.com
Country/City
Indonesia/Jarkata
Founded
2014
Topic
Comparison
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COMPARISON FINTECH
DUIT PINTAR INDONESIA
Description
Duit Pintar was founded with the simple aim to help Indonesians make better financial
decisions. A portal helping consumers compare loans, insurance and credit cards.
Company
Duit Pintar
Website
duitpintar.com
Country/City
Indonesia/Jarkata
Founded
2013
Topic
Comparison
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COMPARISON FINTECH
PASARPOLIS INDONESIA
Description
PasarPolis Indonesia is an Indonesian Insurance Portal and Aggregator established in 2014.
Pasarpolis vision is to become the number 1, most trusted and independent insurance price
comparison in Indonesia.
Company
Pasarpolis
Website
pasarpolis.com
Country/City
Indonesia/Jarkata
Founded
2014
Topic
Comparison
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FINTECH
Agenda INDONESIA
OVERVIEW
PAYMENT
LENDING
ACCOUNTING
COMPARISON
CROWDFUNDING
CRYPTOCURRENCY
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CROWDFUNDING FINTECH
MAPAN INDONESIA
Description
Mapan is a service provided by Indonesian startup Ruma, is essentially a digital
Crowdfunding platform that allows users to purchase big-ticket items and manage groups
payments.
Company
Mapan
Website
mapan.id
Country/City
Indonesia/Jarkata
Founded
2009
Topic
Crowdfunding
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CROWDFUNDING FINTECH
KITABISA INDONESIA
Description
Kitabisa is a crowdfunding platform which favours social projects, as well as projects in the
areas of technology, creativity, and business categories.
Company
Kitabisa
Website
kitabisa.com
Country/City
Indonesia/Jarkata
Founded
2013
Topic
Crowdfunding
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CROWDFUNDING FINTECH
WUJUDKAN INDONESIA
Description
Wujudkan is a crowdfunding platform for Indonesian creative projects that was launched in
2012. Wujudkan.com accepts projects that fall in the 15 categories of creative economy.
Projects are ranging from feature films, short animations, book publishing, architecture,
research, documentaries, cultural events, etc.
Company
Wujudkan
Website
wujudkan.com
Country/City
Indonesia/Jarkata
Founded
2012
Topic
Crowdfunding
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CROWDFUNDING FINTECH
GANDENG TANGAN INDONESIA
Description
Gandeng Tangan is a crowdfunding platform to access 0% interest loan, connecting high-
impact entrepreneurs in Indonesia, as the borrower, with the crowd, as the lenders. They
believe that changes will happen when we empower others to create a sustainable future.
Company
Gandeng Tangan
Website
gandengtangan.org
Country/City
Indonesia/Jarkata
Founded
2015
Topic
Crowdfunding
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FINTECH
Agenda INDONESIA
OVERVIEW
PAYMENT
LENDING
ACCOUNTING
COMPARISON
CROWDFUNDING
CRYPTOCURRENCY
@FINTECHINA
CRYPTOCURRENCY FINTECH
QUIONE INDONESIA
Description
Quoine is an advanced Bitcoin trading platform offering margin trading and algo trading
across a number of currency pairs.
Company
Quoine
Website
quoine.com
Country/City
Indonesia/Jarkata
Founded
2014
Topic
Cryptocurrency
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CRYPTOCURRENCY FINTECH
BITCOIN.CO.ID INDONESIA
Description
Bitcoin.co.id is the Biggest Indonesia Bitcoin Exchange that act as backbone for the entire
finance ecosystem in Indonesia that implementing cryptocurrency's technology in payment
system and remittance business.
Company
Bitcoin.co.id
Website
bitcoin.co.id
Country/City
Indonesia/Jarkata
Founded
2013
Topic
Cryptocurrency
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FINTECH
INDONESIA
CONTACT
CHRISTIAN KNIG
FINTECH EXPERT
Mail ck@finanzpro.ch
Website fintechnews.sg
Twitter @FintechINA
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