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
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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
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Ajaib is an investing platform that allows Indonesians to buy and sell stocks, ETFs, and mutual funds.
Kredivo
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Kredivo offers an online credit card with payment methods and installments in 30 days or monthly installments.
Pintek
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Pintek is a financial technology company aiming to democratise access to education in Indonesia through affordable and flexible credit.
Investree
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Investree is a financial technology company that provides a B2B marketplace lending platform for SMEs.
BukuKas
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BukuKas provides a digital ledger app designed to assist micro and small businesses in their cash management.
Brankas
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Brankas is a fintech company that provides financial software and solutions.
KoinWorks
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Koinworks is an Indonesia Super Financial App that provides both investment and liabilities products under single platform
Pluang
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Pluang is a financial technology application that specializes in digital micro-savings and micro-investment products.
PasarPolis
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PasarPolis is an insurtech startup that provides an online insurance comparison platform for individuals.
PAYFAZZ
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PAYFAZZ is an agency-based financial platform that facilitates digital transactions and payments.
Bibit.id
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Bibit.id is a Robo-investing app developed to provide assistance on smart mutual fund investments.
CROWDE
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Agriculture-focused fintech startup that empowers farmers across Indonesia with technology and capital
ALAMI
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ALAMI is a sharia-based peer-to-peer (P2P) lending platform that helps people fund small businesses.
Pinhome
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Pinhome is Indonesia’s largest property transaction & real estate fintech platform making property & home financing more accessible.
LinkAja
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LinkAja is an electronic-based service that makes your financial transactions more exciting.
OY!
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OY! is a fintech application that simplifies the management of finances.
Moduit
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Moduit Digital Indonesia offers financial services.
AwanTunai
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AwanTunai is digitizing the traditional FMCG supply chain for micro SME merchants with online inventory ordering and digital payments.
UangTeman
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UangTeman is an online lending service that provides instant short-term microcredit to Indonesian consumers.
Tokopedia
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Tokopedia is a tech company that provides a C2C business platform for buyers and merchants.
Lifepal
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Lifepal is the #1 Insurance marketplace in Indonesia
Cermati
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Cermati are a technology startup that engages in the Indonesian financial technology area.
INDODAX
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INDODAX is the largest digital asset exchange in Indonesia, previously known as Bitcoin.co.id (Bitcoin Indonesia)
GajiGesa
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GajiGesa is a financial wellness platform helping Indonesians achieve financial dignity and security from their work.
BukuWarung
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BukuWarung is a startup focused on building bookkeeping, digital payments, and e-commerce solutions for MSMEs in Indonesia.
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.
Akulaku
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Akulaku is a leading banking and digital finance platform in Southeast Asia.
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.
Ayoconnect
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Ayoconnect is Indonesia’s leading API platform.
Batumbu
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Batumbu presents information technology-based money lending services.
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.
Amartha
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Amartha is a financial technology company that connects micro and SME business partners with investors.
Komunal
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Komunal is a financial technology-based company that provides Peer-to-Peer Lending services.
Cashlez
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Cashlez operates as a financial technology company that provides value propositions for traders, and mobile payment players.
Radana Bhaskara Finance
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Radana Finance is an Indonesia-based company engaged in motorcycle financing and multipurpose financing.
Taralite
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Taralite is a financial technology startup that focuses on lending money to the unbankables.
Bareksa
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Bareksa is an Indonesia-based investment platform for online mutual fund investments, state bonds, and Umrah plans.
SuperAtom
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SuperAtom is a technology company that provides financial services.
Cicil
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Cicil.co.id is a new-age financing platform in South East Asia.
Flip
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Flip operates as a platform that helps to send money securely without any transaction fee.
Qelola
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Qelola is a digital payment startup focuses on international remittance transfer
kandang
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Kandangin is Project Financing Platform Focus to help Farmers in Indonesia
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.
Konsumtif
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Pinjam is a financial services technology company that provides cloud services platform online pawn.
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.
Alterra
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Alterra is a technology company that provides services in bill payment aggregator, promotion platform, and distribution network.
Brick
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Brick is a financial data application programming interface (API) that allows developers to offer in-app financial services.
SMDV
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SMDV is a venture capital firm based in Jakarta that finances and mentors tech companies.
Paper.id
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Paper.id is the first free invoicing, payment, accounting and inventory app for SMEs in Indonesia.
Teman Usaha
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Teman Usaha is a micro-financing application that connects lenders in Indonesia with high quality loan applicants.
Finku
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Democratizing personal finances for all Indonesians
Indodana
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Indodana is a financial service company located in Jakarta Pusat.
Modal Rakyat
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Modalrakyat is a B2B2C API-driven fintech working capital enabler for startups and Micro, Small, & Medium Enterprises (MSMEs)
amalan international
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Fintech for distressed consumer loans in Southeast Asia
BeeCash
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BeeCash operates as a financial management application that helps stores in managing sales tracking, cash flow, and accounts.
Futuready
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Futuready.com is the first online insurance broker in Indonesia that has an official license from OJK
CakepLabs
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CakepLabs expertise is a fintech company that offers SAAS solutions covering billing, transactions, cash flow management & database.
Danabijak
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Danabijak is an online lending platform that offers microloans.
PandaCredit
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Pandacredit is a data-driven consumer fintech company that focuses on developing emerging markets.
Gradana
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Gradana is a property FinTech company that addresses the issues of limited funding alternatives.
Paprika
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A mobile payment app that allows users to pay at offline stores and monthly utility bills.
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.
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.
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.
Topremit
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Topremit is #1 online remittance from Indonesia that aims to simplify people’s lives when sending money abroad.
Duithape
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Duithape is a mobile payment and remittance platform that is designed to transact without a bank account.
Bizhare
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Bizhare is a business investment company that offers equity crowdfunding services.
RajaPremi
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RajaPremi is an online insurance marketplace in Indonesia that offers the most comprehensive insurance product.
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.
PT Qoin Digital Indonesia
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PT Qoin Digital Indonesia is a company engaged in financial technology for financial transactions.
CrowdDana
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CrowdDana is an equity crowdfunding platform that connects investors to potential property investments.
Ammana Fintek Syariah
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Ammana Fintek Syariah is a fintech company located in Jakarta.
Bank OCBC NISP
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Bank OCBC NISP is a banking company located in Jakarta.
PT Pendanaan Teknologi Nusa
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PT Pendanaan Teknologi Nusa is a technology-based financial lending platform in Indonesia.
Rupiah Token Indonesia
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Rupiah Token Indonesia is a financial services fintech company located in Jakarta Pusat.
DanaRupiah
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DanaRupiah is a fintech P2P company that offers financial products, cash loans, agricultural loans, and education loans.
Growpal
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Impactful, sustainable and profitable aquaculture/fishery crowdlending platform in Indonesia.
Fintech Asia
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Fintech Asia inspires entrepreneurs, investors and stakeholders in the fintech opportunities and issues in Asia.
OttoPay
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OttoPay is a financial services fintech company located in Jakarta.
Cashcash
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Cashcash is the largest financial intelligence platform
Artawana
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Artawana is a marketplace for highly secured loan products for everyone.
Premiro
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Premiro is a insurance fintech company located in Jakarta.
AIQQON
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AIQQON provides a platform to accommodate MSMEs that needed noncash payments.
Danamart
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Danamart is a financial technology-based company that offers financial solutions for businesses, education, and institutions.
PayAccess
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PayAccess is an independent mobile payment platform designed for daily payment solution.
Discovery Nusantara Capital
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Discovery Nusantara Capital focuses on internet startups investment in Indonesia and Southeast Asia.
Duitku
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Duitku is a payments company located in Jakarta Barat.
Dimo Pay Indonesia
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Dimo Empowering Mobile Payment Across Indonesia
Payro
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Payro is a fintech company that provides digital payment solutions and financial services with various accesses.
Toko Modern Fastpay
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fast pay is a fintech provider focuses on digital payment.
Uangku
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Uangku is a payments fintech company located in Jakarta.
Aktivaku
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Aktivaku is a financial technology platform that offers financial services.
KELOLA Indonesia
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Kelola is a technology financial company based in Indonesia that focuses on giving curated investment option for its user.