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.
BukuKas
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BukuKas provides a digital ledger app designed to assist micro and small businesses in their cash management.
Amartha
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Amartha is a financial technology company that connects micro and SME business partners with investors.
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.
Bibit.id
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Bibit.id is a Robo-investing app developed to provide assistance on smart mutual fund investments.
Ajaib
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Ajaib is an investing platform that allows Indonesians to buy and sell stocks, ETFs, and mutual funds.
LinkAja
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LinkAja is an electronic-based service that makes your financial transactions more exciting.
PAYFAZZ
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PAYFAZZ is an agency-based financial platform that facilitates digital transactions and payments.
Akulaku
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Akulaku aims to improve the quality of life for partners and consumers by presenting a complete and reliable financial ecosystem.
KoinWorks
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Koinworks is an Indonesia Super Financial App that provides both investment and liabilities products under single platform
Kredivo
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Kredivo provides an online credit card with payment methods and installments in 30 days or in installments within months.
PasarPolis
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PasarPolis is an insurtech startup that provides an online insurance comparison platform for individuals.
Moka
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Moka is an Indonesian fintech startup that focuses on building mobile point-of-sale (mPOS) for small and medium businesses.
ALAMI
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ALAMI is a sharia-based peer-to-peer (P2P) lending platform that helps people fund small businesses.
Cermati
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Cermati are a technology startup that engages in the Indonesian financial technology area.
Pluang
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Pluang is a financial technology application that opens public access opportunities to financial products easily and affordably.
Investree
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Investree is a B2B SME Marketplace Lending in Indonesia
Pintek
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Pintek is a financial technology company aiming to democratise access to education in Indonesia through affordable and flexible credit.
Ayoconnect
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Southeast Asia’s largest open finance platform
UangTeman
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UangTeman is an online lending service that provides instant short-term microcredit to Indonesian consumers.
AwanTunai
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AwanTunai is digitizing the traditional FMCG supply chain for micro SME merchants with online inventory ordering and digital payments.
GajiGesa
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GajiGesa is a financial wellness platform helping Indonesians achieve financial dignity and security from their work.
INDODAX
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INDODAX is the largest digital asset exchange in Indonesia, previously known as Bitcoin.co.id (Bitcoin Indonesia)
Akseleran
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Akseleran is a peer-to-peer lending platform.
Batumbu
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Batumbu presents information technology-based money lending services.
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.
CROWDE
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Agriculture-focused fintech startup that empowers farmers across Indonesia with technology and capital
Cashlez
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Cashlez operates as a financial technology company that provides value propositions for traders, and mobile payment players.
BukuWarung
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BukuWarung is a startup focused on building bookkeeping, digital payments, and e-commerce solutions for MSMEs in Indonesia.
Taralite
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Taralite is a financial technology startup that focuses on lending money to the unbankables.
Cicil
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Cicil.co.id is a new-age financing platform in South East Asia.
Radana Bhaskara Finance
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Radana Finance is an Indonesia-based company engaged in motorcycle financing and multipurpose financing.
SMDV
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SMDV is a venture capital firm based in Jakarta that finances and mentors tech companies.
SuperAtom
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SuperAtom is a technology company that provides financial services.
DANA Wallet Indonesia
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DANA is a Fintech company focused on delivering inclusive financial services (payment) to the whole of Indonesia
Qelola
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Qelola is a digital payment startup focuses on international remittance transfer
OY!
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OY! is a fintech application that simplifies the management of finances.
kandang
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Kandangin is Project Financing Platform Focus to help Farmers in Indonesia
Flip
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Flip operates as a platform that helps to send money securely without any transaction fee.
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.
Pinhome
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Pinhome is a property transaction platform that makes the property more accessible for better livelihood and financial inclusion.
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.
Brankas
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Brankas is a fintech company that provides financial software and solutions.
Lifepal
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Lifepal is the #1 online marketplace in Indonesia for insurance.
Modal Rakyat
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Modalrakyat is a B2B2C API-driven fintech working capital enabler for startups and Micro, Small, & Medium Enterprises (MSMEs)
Midtrans
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Midtrans empowers eCommerce through technology.
Alterra
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Alterra is a technology company that provides services in bill payment aggregator, promotion platform, and distribution network.
Bareksa
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Bareksa is an Indonesia-based investment platform for online mutual fund investments, state bonds, and Umrah plans.
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.
Futuready
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Futuready.com is the first online insurance broker in Indonesia that has an official license from OJK
Gradana
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Gradana is a property FinTech company that addresses the issues of limited funding alternatives.
amalan international
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Fintech for distressed consumer loans in Southeast Asia
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.
Moduit
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Moduit is Wealth Management and Advisory platform for individual investors and financial professionals
BeeCash
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BeeCash operates as a financial management application that helps stores in managing sales tracking, cash flow, and accounts.
Duithape
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Duithape is a mobile payment and remittance platform that is designed to transact without a bank account.
Indodana
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Indodana is a financial service company located in Jakarta Pusat.
Growpal
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Impactful, sustainable and profitable aquaculture/fishery crowdlending platform in Indonesia.
Paprika
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A mobile payment app that allows users to pay at offline stores and monthly utility bills.
Instamoney
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Instamoney develops a platform of payment infrastructures that allows users to transfer money quickly and effectively at scale.
Sofi
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Sofi provides solutions and services for the needs of finance and financial technology.
CrowdDana
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CrowdDana is an equity crowdfunding platform that connects investors to potential property investments.
AIQQON
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AIQQON provides a platform to accommodate MSMEs that needed noncash payments.
KreditGoGo
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KreditGoGo helps you compare and determine the best place to get financial products. Click and GoGo. Easy, safe, fast!
Cashcash
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Cashcash is the largest financial intelligence platform
Premiro
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Premiro is a insurance fintech company located in Jakarta.
Pay OK
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A lifestyle finance app that helps Indonesian consumers connect and manage their finance securely from multiple finance institutions
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.
Ammana Fintek Syariah
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Ammana Fintek Syariah is a fintech company located in Jakarta.
Rupiah Token Indonesia
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Rupiah Token Indonesia is a financial services fintech company located in Jakarta Pusat.
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
Pinjam
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Pinjam is a financial services technology company that provides cloud services platform online pawn.
OttoPay
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OttoPay is a financial services fintech company located in Jakarta.
Texo
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Texo provides a payment ecosystem in Indonesia so that society can choose to use any payment channel on online and offline merchants.
RajaPremi
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RajaPremi is an online insurance marketplace in Indonesia that offers the most comprehensive insurance product.
Discovery Nusantara Capital
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Discovery Nusantara Capital focuses on internet startups investment in Indonesia and Southeast Asia.
InvesProperti
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Crowdfunding platform for property investment
DuitPintar.com (KreditAja)
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DuitPintar.com (KreditAja) is a fintech consulting company located in Selatan.
PayAccess
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PayAccess is an independent mobile payment platform designed for daily payment solution.
Pendanaan
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Pendanaan is a lending fintech platform dedicated to using cutting-edge technology and big data algorithms.
Artawana
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Artawana is a marketplace for highly secured loan products for everyone.
Bank OCBC NISP
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Bank OCBC NISP is a banking company located in Jakarta.
Portofolio Indonesia
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Peer to peer interactive platform to let users and expert traders meet and collaborate for knowledge sharing & gaining profit.
Pasar Pinjam
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Pasar Pinjam is a digital financial service company located in Kemang.is a digital financial service
Sikatabis
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Sikatabis.com helps Indonesian consumers compare loans, insurance, investments, credit cards, and make smarter financial decisions.
Fintech Asia
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Fintech Asia inspires entrepreneurs, investors and stakeholders in the fintech opportunities and issues in Asia.
Argapro
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ArgaPro is a fintech financial services platform located in Jakarta, Indonesia.
Veerbit
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Veerbit is a mobile payments company located in Yogyakarta.
Pefindo Biro Kredit
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Pefindo Biro Kredit provides financial services and solutions for the credit needs of the development of businesses.
Traders.id
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World’s first trading plan platform for commodity futures market.
Rupiah One
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Rupiah One is a financial services fintech company located in Gedung Plaza Mutiara.
Duha madani syariah
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Duha madani syariah is a financing service platform located in Jakarta.