101 Indonesia Based Fintech Companies | The Most Innovative Companies

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Fintech has entered a new age in Indonesia, most ostensibly represented when the wild wild west of the peer-to-peer lending scene in Indonesia is finally regulated by the Otoritas Jasa Keuangan (OJK), the country’s financial services authority.

This is a break through in regulating fintech, where it has been excluded from the OJK’s regulations so far, but this can be seen as a positive thing for Indonesia. The country has come to realise that fintech can be very useful in the real economy and this is providing a trading platform to start making that idea a reality.

So, with the new found licence becoming readily available across Indonesia, it comes with a whole host of pragmatic benefits if you are a fintech company looking to set up shop in the country.

LinkAja

LinkAja is an electronic-based service that makes your financial transactions more exciting. Based out of Jakarta, Jakarta Raya, Indonesia

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Kredivo

Kredivo provides an online credit card with payment methods and installments in 30 days or in installments within months. Based out of Jakatra, Jakarta Raya, Indonesia

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Akulaku

Akulaku aims to improve the quality of life for partners and consumers by presenting a complete and reliable financial ecosystem. Based out of Jakarta, Jakarta Raya, Indonesia

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PAYFAZZ

PAYFAZZ is an agency-based financial platform that facilitates digital transactions and payments. Based out of Jakarta, Jakarta Raya, Indonesia

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Moka

Moka is an Indonesian fintech startup that focuses on building mobile point-of-sale (mPOS) for small and medium businesses. Based out of Jakarta, Jakarta Raya, Indonesia

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PasarPolis

PasarPolis is an Indonesian-based and a leading Insurtech company in SEA backed by three unicorns to redefine insurance through tech. Based out of Jakarta, Jakarta Raya, Indonesia

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Investree

Investree is a B2B SME Marketplace Lending in Indonesia Based out of Jakarta, Jakarta Raya, Indonesia

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BukuKas

BukuKas is a neo-banking venture aimed at bringing unbanked in South-East Asian countries to the banking eco-system. Based out of Jakarta, Jakarta Raya, Indonesia

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Koinworks

Koinworks is a financial lending platform geared towards helping small to medium-sized businesses in Indonesia. Based out of Jakarta, Jakarta Raya, Indonesia

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Amartha

Amartha is a financial technology company that connects micro and SME business partners with investors. Based out of Jakarta, Jakarta Raya, Indonesia

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AwanTunai

AwanTunai is digitizing the traditional FMCG supply chain for micro SME merchants with online inventory ordering and digital payments. Based out of Jakarta, Jakarta Raya, Indonesia

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Xendit

Xendit is a fintech company that provides payment infrastructure. Based out of Jakarta, Jakarta Raya, Indonesia

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UangTeman

UangTeman is an online lending service that provides instant short-term microcredit to Indonesian consumers. Based out of Jakarta, Jakarta Raya, Indonesia

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Pintek

Pintek is a financial technology company aiming to democratise access to education in Indonesia through affordable and flexible credit. Based out of Jakarta Pusat, Jakarta Raya, Indonesia

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INDODAX

INDODAX is the largest digital asset exchange in Indonesia, previously known as Bitcoin.co.id (Bitcoin Indonesia) Based out of Jakatra, Jakarta Raya, Indonesia

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Ayoconnect

Ayoconnect is a billing network software that connects consumer platforms, financial institutions , and bill providers in one place. Based out of Jakarta, Jakarta Raya, Indonesia

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Cermati

Cermati are a technology startup that engages in the Indonesian financial technology area. Based out of Jakarta, Jakarta Raya, Indonesia

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Pluang

Pluang is a financial technology application that opens public access opportunities to financial products easily and affordably. Based out of Jakarta, Jakarta Raya, Indonesia

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Akseleran

Akseleran is a peer-to-peer lending platform Based out of Jakarta, Jakarta Raya, Indonesia

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CROWDE

Agriculture-focused fintech startup that empowers farmers across Indonesia with technology and capital Based out of Jakarta, Jakarta Raya, Indonesia

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Modalku

Modalku is online marketplace based in Jakarta, Indonesia for small businesses to acquire loans & for lenders to fund small business loans. Based out of Kebon, Jawa Timur, Indonesia

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Cashlez

Cashlez operates as a financial technology company that provides value propositions for traders, and mobile payment players. Based out of Jakarta, Jakarta Raya, Indonesia

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Batumbu

Batumbu presents information technology-based money lending services. Based out of Jakarta, Jakarta Raya, Indonesia

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Taralite

Taralite is a financial technology startup that focuses on lending money to the unbankables. Based out of Dki Jakarta, Jakarta Raya, Indonesia

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Cicil

Cicil.co.id is a new-age financing platform in South East Asia. Based out of Jakarta, Jakarta Raya, Indonesia

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TradeID

TradeID allows Indonesians to invest commission-free in Indonesian stocks and invest in fractional shares of US stocks from 1 app. Based out of Jakarta, Jakarta Raya, Indonesia

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SuperAtom

SuperAtom is a technology company that provides financial services. Based out of Jakarta, Jakarta Raya, Indonesia

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PT Wallezz Finansial Teknologi

Wallezz Finansial Teknologi is an indonesia fintech startup that focus to create many front end solution to serve many transaction mnodels. Based out of Dki Jakarta, Jakarta Raya, Indonesia

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DANA Wallet Indonesia

DANA is a Fintech company focused on delivering inclusive financial services (payment) to the whole of Indonesia Based out of Jakarta, Jakarta Raya, Indonesia

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Radana Bhaskara Finance

Radana Finance is an Indonesia-based company engaged in motorcycle financing and multipurpose financing. Based out of Pinggirrawa Barat, Jakarta Raya, Indonesia

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Zendz

Cross Border Payment System Based out of Kuningan, Jakarta Raya, Indonesia

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OY!

OY! is a fintech application that simplifies the management of finances. Based out of Jakarta, Jakarta Raya, Indonesia

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Kitabisa.com

Indonesia's Largest Crowdfunding Platform Based out of Jakarta, Jakarta Raya, Indonesia

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Ajaib

Ajaib is an investing platform that allows Indonesians to buy and sell stocks, ETFs and mutual funds. Based out of Jakarta, Jakarta Raya, Indonesia

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Qelola

Qelola is a digital payment startup focuses on international remittance transfer Based out of Jakarta Pusat, Jakarta Raya, Indonesia

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ALAMI

ALAMI helps people to fund small businesses under sharia financing structure with a simple online platform. Based out of Jakarta, Jakarta Raya, Indonesia

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SMDV

SMDV is a venture capital firm based in Jakarta that finances and mentors tech companies. Based out of Jakarta, Jakarta Raya, Indonesia

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Alterra

Alterra is a technology company that provides services in bill payment aggregator, promotion platform, and distribution network. Based out of Jakarta, Jakarta Raya, Indonesia

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Lifepal

Lifepal is the #1 online marketplace in Indonesia for insurance. Based out of Jakarta, Jakarta Raya, Indonesia

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Bareksa

Bareksa is an Indonesia-based investment platform for online mutual fund investments, state bonds, and Umrah plans. Based out of Kemang, Jawa Barat, Indonesia

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Brankas

Brankas is a fintech company that provides financial software and solutions. Based out of Dki Jakarta, Jakarta Raya, Indonesia

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Paper.id

Paper.id is the first free invoicing, payment, accounting and inventory app for SMEs in Indonesia. Based out of Dki Jakarta, Jakarta Raya, Indonesia

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Midtrans

Midtrans empowers eCommerce through technology. Based out of Jakarta, Jakarta Raya, Indonesia

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Teman Usaha

Teman Usaha is a micro-financing application that connects lenders in Indonesia with high quality loan applicants. Based out of Jakarta, Jakarta Raya, Indonesia

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Flip

Flip operates as a platform that helps to send money securely without any transaction fee. Based out of Depok, Jawa Barat, Indonesia

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Moduit

Moduit is Wealth Management and Advisory platform for individual investors and financial professionals Based out of Setiabudi, Jakarta Raya, Indonesia

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Indodana

Indodana is a financial service company located in Jakarta Pusat. Based out of Jakarta Pusat, Jakarta Raya, Indonesia

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Duithape

Duithape is a mobile payment and remittance platform that is designed to transact without a bank account. Based out of Jakarta, Jakarta Raya, Indonesia

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BukuWarung

BukuWarung is a startup building an accounting and credit management app that helps micro-businesses track their financial transactions. Based out of Jakarta, Jakarta Raya, Indonesia

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Paprika

A mobile payment app that allows users to pay at offline stores and monthly utility bills. Based out of Medan, Sumatera Utara, Indonesia

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Growpal

Impactful, sustainable and profitable aquaculture/fishery crowdlending platform in Indonesia. Based out of Surabaya, Jawa Timur, Indonesia

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Sofi

Sofi provides solutions and services for the needs of finance and financial technology. Based out of Jakarta, Jakarta Raya, Indonesia

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KlikACC

Anchor Based Peer to Peer Lending Based out of Dki Jakarta, Jakarta Raya, Indonesia

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Dimo Pay Indonesia

Dimo Empowering Mobile Payment Across Indonesia Based out of Jakarta, Jakarta Raya, Indonesia

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PandaCredit

Pandacredit is a data-driven consumer fintech company that focuses on developing emerging markets. Based out of Jakarta, Jakarta Raya, Indonesia

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Pinjam

Pinjam is a financial services technology company that provides cloud services platform online pawn. Based out of Jakarta, Jakarta Raya, Indonesia

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Pay OK

A lifestyle finance app that helps Indonesian consumers connect and manage their finance securely from multiple finance institutions Based out of Jakarta, Jakarta Raya, Indonesia

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Pendanaan

Pendanaan is a lending fintech platform dedicated to using cutting-edge technology and big data algorithms. Based out of Duri, Jakarta Raya, Indonesia

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Ammana Fintek Syariah

Ammana Fintek Syariah is a fintech company located in Jakarta. Based out of Jakarta, Jakarta Raya, Indonesia

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CrowdDana

CrowdDana is an equity crowdfunding platform that connects investors to potential property investments. Based out of Jakarta, Jakarta Raya, Indonesia

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PayAccess

PayAccess is an independent mobile payment platform designed for daily payment solution. Based out of Jakarta, Jakarta Raya, Indonesia

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Creedix

Creedix specializes in credit risk underwriting and digital debt collection management using AI. Based out of Jakarta, Jakarta Raya, Indonesia

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RajaPremi

RajaPremi is an online insurance marketplace in Indonesia that offers the most comprehensive insurance product. Based out of Jakarta, Jakarta Raya, Indonesia

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Discovery Nusantara Capital

Discovery Nusantara Capital focuses on internet startups investment in Indonesia and Southeast Asia. Based out of Jakarta, Jakarta Raya, Indonesia

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Cashcash

Cashcash is the largest financial intelligence platform Based out of Grogolpetamburan, Jakarta Raya, Indonesia

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Instamoney

Instamoney develops a platform of payment infrastructures that allows users to transfer money quickly and effectively at scale. Based out of Jakarta, Jakarta Raya, Indonesia

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Qazwa

Sharia Financing Online Platform Based out of Jakarta Pusat, Jakarta Raya, Indonesia

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Netzme Kreasi Indonesia, PT

A cashless mobile payment as services, community-based driven that focusing more on unbanked people in the rural areas all around Indonesia. Based out of Dki Jakarta, Jakarta Raya, Indonesia

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AIQQON

AIQQON provides a platform to accommodate MSMEs that needed noncash payments. Based out of Jakarta, Jakarta Raya, Indonesia

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Premiro

Premiro is a insurance fintech company located in Jakarta. Based out of Jakarta, Jakarta Raya, Indonesia

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Uangku

Uangku is a payments fintech company located in Jakarta. Based out of Jakarta, Jakarta Raya, Indonesia

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Texo

Texo provides a payment ecosystem in Indonesia so that society can choose to use any payment channel on online and offline merchants. Based out of Jakarta Pusat, Jakarta Raya, Indonesia

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OttoPay

OttoPay is a financial services fintech company located in Jakarta. Based out of Jakarta, Jakarta Raya, Indonesia

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Rupiah Token Indonesia

Rupiah Token Indonesia is a financial services fintech company located in Jakarta Pusat. Based out of Jakarta Pusat, Jakarta Raya, Indonesia

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Artawana

Artawana is a marketplace for highly secured loan products for everyone. Based out of Jakarta, Jakarta Raya, Indonesia

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Waqara

E-Commerce, Fintech, Payments Based out of Jakarta, Jakarta Raya, Indonesia

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Lunasbos

Mobile App Based out of Sleman, Yogyakarta, Indonesia

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Sikatabis

Sikatabis.com helps Indonesian consumers compare loans, insurance, investments, credit cards, and make smarter financial decisions. Based out of Jakarta, Jakarta Raya, Indonesia

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KreditGoGo

KreditGoGo helps you compare and determine the best place to get financial products. Click and GoGo. Easy, safe, fast! Based out of Jakarta, Jakarta Raya, Indonesia

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Duitku

Duitku is a payments company located in Jakarta Barat. Based out of Jakarta, Jakarta Raya, Indonesia

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InvesProperti

Crowdfunding platform for property investment Based out of Bandung, Jawa Barat, Indonesia

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DuitPintar.com (KreditAja)

DuitPintar.com (KreditAja) is a fintech consulting company located in Selatan. Based out of Selatan, Jawa Timur, Indonesia

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Pasar Pinjam

Pasar Pinjam is a digital financial service company located in Kemang.is a digital financial service Based out of Jakarta, Jakarta Raya, Indonesia

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Bank OCBC NISP

Bank OCBC NISP is a banking company located in Jakarta. Based out of Jakarta, Jakarta Raya, Indonesia

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Portofolio Indonesia

Peer to peer interactive platform to let users and expert traders meet and collaborate for knowledge sharing & gaining profit. Based out of Yogyakarta, Yogyakarta, Indonesia

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Kolaborasi

Startup Community and Holding Company Based out of Bandung, Jawa Barat, Indonesia

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Hepipop

We are an Online Bill Payment Platform in Southeast Asia and a new Company in Indonesia! Based out of Bogor, Jawa Barat, Indonesia

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Fintech Asia

Fintech Asia inspires entrepreneurs, investors and stakeholders in the fintech opportunities and issues in Asia. Based out of Jakarta, Jakarta Raya, Indonesia

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Traders.id

World's first trading plan platform for commodity futures market. Based out of Jakarta, Jakarta Raya, Indonesia

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Snap Academy

Snap Academy provides trading enthusiasts with the financial education to help them succeed in trading endeavors. Based out of Jakarta, Jakarta Raya, Indonesia

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Citibank Indonesia

Citibank Indonesia is a banking company located in Jakarta. Based out of Jakarta, Jakarta Raya, Indonesia

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Rupiah One

Rupiah One is a financial services fintech company located in Gedung Plaza Mutiara. Based out of Jakarta, Jakarta Raya, Indonesia

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Wirecard Asia Pacific

Wirecard Asia Pacific is a financial services company located in Jakarta. Based out of Jakarta, Jakarta Raya, Indonesia

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DUMI

DUMI is a peer to peer financial technology company. Based out of Bandung, Jawa Barat, Indonesia

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Pefindo Biro Kredit

Pefindo Biro Kredit provides financial services and solutions for the credit needs of the development of businesses. Based out of Jakarta, Jakarta Raya, Indonesia

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Digital Kuantum Teknologi

Digital Kuantum Teknologi is a fintech company located in Grogol Petamburan. Based out of Jakarta, Jakarta Raya, Indonesia

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Do-It

Do-It provides financial services and solutions for the needs of businesses and entrepreneurs. Based out of Jakarta, Jakarta Raya, Indonesia

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SF Capital

SF Capital focuses on corporate finance and financial consulting. Based out of Kuningan, Jakarta Raya, Indonesia

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NUSAPAY SOLUSI INDONESIA

NUSAPAY SOLUSI INDONESIA is a financial services fintech company located in Grogol. Based out of Grogol, Jakarta Raya, Indonesia

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AKUN.biz

AKUN.biz is a fintech company located in Surakarta. Based out of Surakarta, Jawa Tengah, Indonesia

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Midas Financials

Your financial command centre. Based out of Jakarta, Jakarta Raya, Indonesia

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