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101 Best Indonesia FinTech Startups – The Future of FinTech

This article showcases our top picks for the best Indonesia based FinTech companies. These startups and companies are taking a variety of approaches to innovating the FinTech industry, but are all exceptional companies well worth a follow.

We tried to pick companies across the size spectrum from cutting edge startups to established brands.

We selected these startups and companies for exceptional performance in one of these categories:

  • Innovation
    • Innovative ideas
    • Innovative route to market
    • Innovative product
  • Growth
    • Exceptional growth
    • Exceptional growth strategy
  • Management
  • Societal impact

Top Indonesia FinTech Startups

Data sourced from Crunchbase and SemRush.

Xendit

Xendit

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Xendit is a fintech company that provides end-to-end digital payment solutions for SMBs and e-commerce startups to large enterprises.

Ajaib

Ajaib

Crunchbase Website Twitter Facebook Linkedin

Ajaib is an investing platform that allows Indonesians to buy and sell stocks, ETFs, and mutual funds.

Ajaib

Kredivo

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Kredivo offers an online credit card with payment methods and installments in 30 days or monthly installments.

Ajaib

Pintek

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Pintek is a financial technology company aiming to democratise access to education in Indonesia through affordable and flexible credit.

Ajaib

Investree

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Investree is a financial technology company that provides a B2B marketplace lending platform for SMEs.

Ajaib

BukuKas

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BukuKas provides a digital ledger app designed to assist micro and small businesses in their cash management.

Ajaib

Brankas

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Brankas is a fintech company that provides financial software and solutions.

Ajaib

KoinWorks

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Koinworks is an Indonesia Super Financial App that provides both investment and liabilities products under single platform

Ajaib

Pluang

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Pluang is a financial technology application that specializes in digital micro-savings and micro-investment products.

Ajaib

PasarPolis

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PasarPolis is an insurtech startup that provides an online insurance comparison platform for individuals.

Ajaib

PAYFAZZ

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PAYFAZZ is an agency-based financial platform that facilitates digital transactions and payments.

Ajaib

Bibit.id

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Bibit.id is a Robo-investing app developed to provide assistance on smart mutual fund investments.

Ajaib

CROWDE

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Agriculture-focused fintech startup that empowers farmers across Indonesia with technology and capital

Ajaib

ALAMI

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ALAMI is a sharia-based peer-to-peer (P2P) lending platform that helps people fund small businesses.

Ajaib

Pinhome

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Pinhome is Indonesia’s largest property transaction & real estate fintech platform making property & home financing more accessible.

Ajaib

LinkAja

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LinkAja is an electronic-based service that makes your financial transactions more exciting.

Ajaib

OY!

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OY! is a fintech application that simplifies the management of finances.

Ajaib

Moduit

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Moduit Digital Indonesia offers financial services.

Ajaib

AwanTunai

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AwanTunai is digitizing the traditional FMCG supply chain for micro SME merchants with online inventory ordering and digital payments.

Ajaib

UangTeman

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UangTeman is an online lending service that provides instant short-term microcredit to Indonesian consumers.

Ajaib

Tokopedia

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Tokopedia is a tech company that provides a C2C business platform for buyers and merchants.

Ajaib

Lifepal

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Lifepal is the #1 Insurance marketplace in Indonesia

Ajaib

Cermati

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Cermati are a technology startup that engages in the Indonesian financial technology area.

Ajaib

Akseleran

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Akseleran is a peer-to-peer lending platform.

Ajaib

INDODAX

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INDODAX is the largest digital asset exchange in Indonesia, previously known as Bitcoin.co.id (Bitcoin Indonesia)

Ajaib

GajiGesa

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GajiGesa is a financial wellness platform helping Indonesians achieve financial dignity and security from their work.

Ajaib

BukuWarung

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BukuWarung is a startup focused on building bookkeeping, digital payments, and e-commerce solutions for MSMEs in Indonesia.

Ajaib

Modalku

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Modalku is online marketplace based in Jakarta, Indonesia for small businesses to acquire loans & for lenders to fund small business loans.

Ajaib

Akulaku

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Akulaku is a leading banking and digital finance platform in Southeast Asia.

Ajaib

Alpha JWC Ventures

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Alpha JWC Ventures is a value-adding venture capital firm with expertise in FinTech and Consumer tech sector.

Ajaib

Ayoconnect

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Ayoconnect is Indonesia’s leading API platform.

Ajaib

Batumbu

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Batumbu presents information technology-based money lending services.

Ajaib

DANA Wallet Indonesia

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DANA is an Indonesian technology Financial company that performs as a solution for digital payment 4.0 to replace conventional wallet.

Ajaib

Amartha

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Amartha is a financial technology company that connects micro and SME business partners with investors.

Ajaib

Komunal

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Komunal is a financial technology-based company that provides Peer-to-Peer Lending services.

Ajaib

Cashlez

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Cashlez operates as a financial technology company that provides value propositions for traders, and mobile payment players.

Ajaib

Radana Bhaskara Finance

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Radana Finance is an Indonesia-based company engaged in motorcycle financing and multipurpose financing.

Ajaib

Taralite

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Taralite is a financial technology startup that focuses on lending money to the unbankables.

Ajaib

Bareksa

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Bareksa is an Indonesia-based investment platform for online mutual fund investments, state bonds, and Umrah plans.

Ajaib

SuperAtom

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SuperAtom is a technology company that provides financial services.

Ajaib

Cicil

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Cicil.co.id is a new-age financing platform in South East Asia.

Ajaib

Flip

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Flip operates as a platform that helps to send money securely without any transaction fee.

Ajaib

Qelola

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Qelola is a digital payment startup focuses on international remittance transfer

Ajaib

kandang

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Kandangin is Project Financing Platform Focus to help Farmers in Indonesia

Ajaib

PT Wallezz Finansial Teknologi

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Wallezz Finansial Teknologi is an indonesia fintech startup that focus to create many front end solution to serve many transaction mnodels.

Ajaib

Konsumtif

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Pinjam is a financial services technology company that provides cloud services platform online pawn.

Ajaib

Kitabisa.com

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Indonesia’s Largest Crowdfunding Platform

Ajaib

Zendz

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Cross Border Payment System

Ajaib

Finantier

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Finantier provides the infrastructure and data products required by businesses to build the next generation of financial services in SEA.

Ajaib

Alterra

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Alterra is a technology company that provides services in bill payment aggregator, promotion platform, and distribution network.

Ajaib

Brick

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Brick is a financial data application programming interface (API) that allows developers to offer in-app financial services.

Ajaib

SMDV

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SMDV is a venture capital firm based in Jakarta that finances and mentors tech companies.

Ajaib

Paper.id

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Paper.id is the first free invoicing, payment, accounting and inventory app for SMEs in Indonesia.

Ajaib

Teman Usaha

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Teman Usaha is a micro-financing application that connects lenders in Indonesia with high quality loan applicants.

Ajaib

Finku

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Democratizing personal finances for all Indonesians

Ajaib

Midtrans

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Midtrans empowers eCommerce through technology.

Ajaib

Sribuu

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Sribuu an Indonesia-based personal financial app

Ajaib

Indodana

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Indodana is a financial service company located in Jakarta Pusat.

Ajaib

Modal Rakyat

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Modalrakyat is a B2B2C API-driven fintech working capital enabler for startups and Micro, Small, & Medium Enterprises (MSMEs)

Ajaib

amalan international

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Fintech for distressed consumer loans in Southeast Asia

Ajaib

BeeCash

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BeeCash operates as a financial management application that helps stores in managing sales tracking, cash flow, and accounts.

Ajaib

Futuready

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Futuready.com is the first online insurance broker in Indonesia that has an official license from OJK

Ajaib

CakepLabs

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CakepLabs expertise is a fintech company that offers SAAS solutions covering billing, transactions, cash flow management & database.

Ajaib

Danabijak

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Danabijak is an online lending platform that offers microloans.

Ajaib

PandaCredit

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Pandacredit is a data-driven consumer fintech company that focuses on developing emerging markets.

Ajaib

Gradana

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Gradana is a property FinTech company that addresses the issues of limited funding alternatives.

Ajaib

Paprika

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A mobile payment app that allows users to pay at offline stores and monthly utility bills.

Ajaib

PT. INDONESIA DIGITAL EXCHANGE

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digitalexchange.id is Indonesia’s digital asset exchange platform, that provide fast trading execution, reliable digital wallet, and more.

Ajaib

Netzme Kreasi Indonesia, PT

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A cashless mobile payment solution as a service company that enable prosperity to be accessible for everyone, especially in Indonesia.

Ajaib

Fast Rupiah

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Rupiah Cepat is the name of the application product offered by KUFI is one of Indonesia’s application-based microloan service providers.

Ajaib

Topremit

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Topremit is #1 online remittance from Indonesia that aims to simplify people’s lives when sending money abroad.

Ajaib

Vospay

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Vospay offers virtual credit card services.

Ajaib

Duithape

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Duithape is a mobile payment and remittance platform that is designed to transact without a bank account.

Ajaib

Bizhare

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Bizhare is a business investment company that offers equity crowdfunding services.

Ajaib

RajaPremi

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RajaPremi is an online insurance marketplace in Indonesia that offers the most comprehensive insurance product.

Ajaib

DotX

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DotX is a solution for unbanked workers so they may use banks for receiving payments and making transactions using our mobile app.

Ajaib

PT Qoin Digital Indonesia

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PT Qoin Digital Indonesia is a company engaged in financial technology for financial transactions.

Ajaib

CrowdDana

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CrowdDana is an equity crowdfunding platform that connects investors to potential property investments.

Ajaib

KlikACC

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Anchor Based Peer to Peer Lending

Ajaib

Ammana Fintek Syariah

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Ammana Fintek Syariah is a fintech company located in Jakarta.

Ajaib

Bank OCBC NISP

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Bank OCBC NISP is a banking company located in Jakarta.

Ajaib

PT Pendanaan Teknologi Nusa

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PT Pendanaan Teknologi Nusa is a technology-based financial lending platform in Indonesia.

Ajaib

Rupiah Token Indonesia

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Rupiah Token Indonesia is a financial services fintech company located in Jakarta Pusat.

Ajaib

DanaRupiah

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DanaRupiah is a fintech P2P company that offers financial products, cash loans, agricultural loans, and education loans.

Ajaib

Growpal

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Impactful, sustainable and profitable aquaculture/fishery crowdlending platform in Indonesia.

Ajaib

Fintech Asia

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Fintech Asia inspires entrepreneurs, investors and stakeholders in the fintech opportunities and issues in Asia.

Ajaib

OttoPay

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OttoPay is a financial services fintech company located in Jakarta.

Ajaib

Cashcash

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Cashcash is the largest financial intelligence platform

Ajaib

Artawana

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Artawana is a marketplace for highly secured loan products for everyone.

Ajaib

Premiro

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Premiro is a insurance fintech company located in Jakarta.

Ajaib

AIQQON

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AIQQON provides a platform to accommodate MSMEs that needed noncash payments.

Ajaib

Danamart

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Danamart is a financial technology-based company that offers financial solutions for businesses, education, and institutions.

Ajaib

PayAccess

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PayAccess is an independent mobile payment platform designed for daily payment solution.

Ajaib

Discovery Nusantara Capital

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Discovery Nusantara Capital focuses on internet startups investment in Indonesia and Southeast Asia.

Ajaib

Duitku

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Duitku is a payments company located in Jakarta Barat.

Ajaib

Dimo Pay Indonesia

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Dimo Empowering Mobile Payment Across Indonesia

Ajaib

Payro

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Payro is a fintech company that provides digital payment solutions and financial services with various accesses.

Ajaib

Toko Modern Fastpay

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fast pay is a fintech provider focuses on digital payment.

Ajaib

Uangku

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Uangku is a payments fintech company located in Jakarta.

Ajaib

Aktivaku

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Aktivaku is a financial technology platform that offers financial services.

Ajaib

KELOLA Indonesia

Crunchbase Website Twitter Facebook Linkedin

Kelola is a technology financial company based in Indonesia that focuses on giving curated investment option for its user.

Written by Warren Tesla

My name is Tesla and I am the pseudonym used by The Stratup Pill's broad writing team.

About me: Founder, CEO, CTO, CFO, CMO, CISO, Director, Head of the Board, Head of the oversight board, Executive, Legal Council, Head of Hiring, HR Manager, Consultant.

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