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Page 1: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

Version 0.9 AUGUST 2016

FINTECH START-UPS INDONESIA

Page 2: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

PREFACE

This REPORT aims on the formative structural change and the

digitization of the financial services industry of INDONESIA.

We will give an FINTECH MARKET OVERVIEW of new supply

forms and settlement processes in areas of banking such as

Lending, Crowdfunding, Personal Finance Management and

Cryptocurrencies.

Page 3: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

Version 0.9 AUGUST 2016

INTRODUCTION

Page 4: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

FINTECH INDONESIA START-UPS

GLOBAL INDEX

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%

• Trading Economics

• Jakarta Post

• Statista

• TechinAsia

• Globalenvision

• World Bank

SOURCES

Page 5: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

FINTECH INDONESIA START-UPS

COUNTRY OVERVIEW

POPULATION

>250 Million

53%

47% Urban

Rural51%

49% Female

Male

• World Bank

• CIA World Factbook SOURCES

Page 6: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

FINTECH INDONESIA START-UPS

INDONESIA POPULATION STRUCTURE BY AGE

3.10%

6.00%

9.10%

10.10%

10.90%

11.80%

14.20%

11.60%

10.90%

9.90%

55-59

50-54

45-49

40-44

35-39

30-34

25-29

20-24

15-19

10-14

DIGITAL IMMIGRANTS 40%

This older generation knew

internet

when they were an adult. They

often feel the need to always

learn to adapt with new

technology.

DIGITAL NATIVE 60%

This younger generation born

and

live in the internet era. They

tend

to be trend leaders

INDONESIA POPULATION STRUCTURE

• World Bank

• CIA World Factbook SOURCES

Page 7: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

FINTECH INDONESIA START-UPS

INDONESIA INTERNET USER

89 96.5

104.2 112.1

120.1 128.1

136.2 144.2

0

20

40

60

80

100

120

140

160

2014 2015 2016 2017* 2018* 2019* 2020* 2021*

Number of User in Million

LATEST NUMBERS OF INTERNET USER IN INDONESIA

• Comscore

• Livestats

• Statista

SOURCES

Page 8: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

FINTECH INDONESIA START-UPS

ONLINE ACTIVITIES

• Statista SOURCES

ONLINE ACTIVITIES OF INTERNET USERS IN INDONESIA

21%

22%

22%

25%

30%

37%

42%

45%

76%

0% 10% 20% 30% 40% 50% 60% 70% 80%

Play or stream music

Download ringtones

Download or view personal photos

Send photos taken with phone camera to…

Download free applications

Access e-mail

Look up content or search for information

Instand messaging

Access social networking sites

Usage

Instant messaging

Page 9: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

FINTECH INDONESIA START-UPS

MEDIA

Description

FintechNews gives daily informations about financial technology in South-East Asia - i.e. Mobile

Payment, Personal Finance, Bitcoin, Blockchain, Robo Advisor and Lending.

Category

fintechnews.sg/

indonesia

Founded

2014

Media

Fintech Singapore

Website

fintechnews.sg

Facebook

facebook.com/

Fintech-Indonesia-

177477972669098/

Facebook Group

facebook.com/groups/

FintechIndonesia/

Page 10: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

Version 0.9 AUGUST 2016

AGENDA

Page 11: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

Agenda

PAYMENT

POINT OF SALE SYSTEMS (POS)

LENDING

ACCOUNTING

COMPARISON

PERSONAL FINANCE & INVESTMENT

OVERVIEW

CROWDFUNDING

CRYPTOCURRENCY

Page 12: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

FINTECH INDONESIA START-UPS

OVERVIEW (1/2)

PERCENTAGE DISTRIBUTION OF THE INDONESIAN FINTECH ECOSYSTEM

2%

4%

32%

11% 15%

6%

17%

9%

4%

Personal Finance

Investment

Payment

POS

Lending

Accounting

Comparison

Crowdfunding

Cryptocurrency

Page 13: Fintech Indonesia Startup Report

FINTECH INDONESIA

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FINTECH INDONESIA START-UPS

OVERVIEW (2/2)

Payment

POS

Lending

Accounting

Compariso

n

Crowd

funding

Crypto

Currency

Personal Finance

& Investment

Page 14: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

Agenda

PAYMENT

POINT OF SALE SYSTEMS (POS)

LENDING

ACCOUNTING

COMPARISON

PERSONAL FINANCE & INVESTMENT

OVERVIEW

CROWDFUNDING

CRYPTOCURRENCY

Page 15: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

PERSONAL FINANCE

NGATUR DUIT

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.

Country/City

Indonesia/Jarkata

Founded

2010

Topic

Personal Finance

Company

Ngatur Duit

Website

ngaturduit.com

Page 16: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

INVESTMENT

STOCKBIT

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.

Country/City

Indonesia/Jarkata

Founded

2012

Topic

Investment

Company

Stockbit

Website

stockbit.com

Page 17: Fintech Indonesia Startup Report

FINTECH INDONESIA

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INVESTMENT

BAREKSA

Description

Bareksa is an integrated investment portal. Launched in 2013 by PT Bareksa Portal

Investasi, it is the country’s 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.

Country/City

Indonesia/Jarkata

Founded

2013

Topic

Investment

Company

Bareksa

Website

bareksa.com

Page 18: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

Agenda

PAYMENT

POINT OF SALE SYSTEMS (POS)

LENDING

ACCOUNTING

COMPARISON

PERSONAL FINANCE & INVESTMENT

OVERVIEW

CROWDFUNDING

CRYPTOCURRENCY

Page 19: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

PAYMENT

KARTUKU

Description

Kartuku is one of Indonesia’s 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.

Country/City

Indonesia/Jarkata

Founded

2001

Topic

Payment

Company

Kartuku

Website

kartuku.com

Page 20: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

PAYMENT

DOKU

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.

Country/City

Indonesia/Jarkata

Founded

2007

Topic

Payment

Company

DOKU

Website

doku.com

Page 21: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

PAYMENT

VERITRANS

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.

Country/City

Indonesia/Jarkata

Founded

2013

Topic

Payment

Company

Veritrans

Website

veritrans.co.id

Page 22: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

PAYMENT

XENDIT

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.

Country/City

Indonesia/Jarkata

Founded

2014

Topic

Payment

Company

Xendit

Website

xendit.co

Page 23: Fintech Indonesia Startup Report

FINTECH INDONESIA

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PAYMENT

VERYFUND

Description

Veryfund used to verify payment for your customers who pay by bank transfer method

internet banking / ATM.

Country/City

Indonesia/Jarkata

Founded

2015

Topic

Payment

Company

Veryfund

Website

veryfund.co

Page 24: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

PAYMENT

DOMPETKU

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.

Country/City

Indonesia/Jarkata

Founded

2008

Topic

Payment

Company

Dompetku

Website

dompetku.id

Page 25: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

PAYMENT

XL TUNAI

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.

Country/City

Indonesia/Jarkata

Founded

2013

Topic

Payment

Company

XL Tunai

Website

xl.co.id

Page 26: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

PAYMENT

PADIPAY

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.

Country/City

Indonesia/Jarkata

Founded

2013

Topic

Payment

Company

Padipay

Website

padipay.com

Page 27: Fintech Indonesia Startup Report

FINTECH INDONESIA

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PAYMENT

IPAYMU

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.

Country/City

Indonesia/Jarkata

Founded

2014

Topic

Payment

Company

IPaymu

Website

ipaymu.com

Page 28: Fintech Indonesia Startup Report

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PAYMENT

KESLES

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.

Country/City

Indonesia/Jarkata

Founded

2015

Topic

Payment

Company

KESLES

Website

kesles.com

Page 29: Fintech Indonesia Startup Report

FINTECH INDONESIA

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PAYMENT

MIMOPAY

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.

Country/City

Indonesia/Jarkata

Founded

2012

Topic

Payment

Company

Mimopay

Website

mimopay.com

Page 30: Fintech Indonesia Startup Report

FINTECH INDONESIA

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PAYMENT

TAPP.

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.

Country/City

Indonesia/Jarkata

Founded

2013

Topic

Payment

Company

Tapp.

Website

tappcommerce.com

Page 31: Fintech Indonesia Startup Report

FINTECH INDONESIA

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PAYMENT

TCASH

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.

Country/City

Indonesia/Jarkata

Founded

2011

Topic

Payment

Company

TCash

Website

digitalpayment.

telkomsel.com

Page 32: Fintech Indonesia Startup Report

FINTECH INDONESIA

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PAYMENT

DIMO

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.

Country/City

Indonesia/Jarkata

Founded

2014

Topic

Payment

Company

Dimo

Website

dimo.co.id

Page 33: Fintech Indonesia Startup Report

FINTECH INDONESIA

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PAYMENT

MANDIRI E-CASH

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.

Country/City

Indonesia/Jarkata

Founded

2013

Topic

Payment

Company

Mandiri e-cash

Website

mandiriecash.co.id

Page 34: Fintech Indonesia Startup Report

FINTECH INDONESIA

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Agenda

PAYMENT

POINT OF SALE SYSTEMS (POS)

LENDING

ACCOUNTING

COMPARISON

PERSONAL FINANCE & INVESTMENT

OVERVIEW

CROWDFUNDING

CRYPTOCURRENCY

Page 35: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

POINT OF SALE SYSTEMS (POS)

PAWOON

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.

Country/City

Indonesia/Jarkata

Founded

2013

Topic

POS

Company

Pawoon

Website

pawoon.com

Page 36: Fintech Indonesia Startup Report

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POINT OF SALE SYSTEMS (POS)

OLSERA

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.

Country/City

Indonesia/Jarkata

Founded

2015

Topic

POS

Company

Olsera

Website

olsera.com

Page 37: Fintech Indonesia Startup Report

FINTECH INDONESIA

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POINT OF SALE SYSTEMS (POS)

OMEGA POS CLOUD

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.

Country/City

Indonesia/Jarkata

Founded

2013

Topic

POS

Company

Omega POS

Website

omegaposcloud

.com

Page 38: Fintech Indonesia Startup Report

FINTECH INDONESIA

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POINT OF SALE SYSTEMS (POS)

DEALPOS

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.

Country/City

Indonesia/Jarkata

Founded

2013

Topic

POS

Company

DealPOS

Website

dealpos.com

Page 39: Fintech Indonesia Startup Report

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POINT OF SALE SYSTEMS (POS)

MOKA

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.

Country/City

Indonesia/Jarkata

Founded

2014

Topic

POS

Company

Moka

Website

mokapos.com

Page 40: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

Agenda

PAYMENT

POINT OF SALE SYSTEMS (POS)

LENDING

ACCOUNTING

COMPARISON

PERSONAL FINANCE & INVESTMENT

OVERVIEW

CROWDFUNDING

CRYPTOCURRENCY

Page 41: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

LENDING

MODALKU

Description

Founded in 2016, Modalku is a new marketplace for peer-to-peer (P2P) lending to give

Indonesia’s small and medium enterprises (SMEs) greater access to funding by means of

loans pooled from crowdfunding.

Country/City

Indonesia/Jarkata

Founded

2016

Topic

Lending

Company

Modalku

Website

modalku.co.id

Page 42: Fintech Indonesia Startup Report

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LENDING

TARALITE

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.

Country/City

Indonesia/Jarkata

Founded

2015

Topic

Lending

Company

Taralite

Website

taralite.com

Page 43: Fintech Indonesia Startup Report

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LENDING

PINJAM

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.

Country/City

Indonesia/Jarkata

Founded

2015

Topic

Lending

Company

Pinjam

Website

pinjam.co.id

Page 44: Fintech Indonesia Startup Report

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LENDING

UANGTEMAN

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.

Country/City

Indonesia/Jarkata

Founded

2015

Topic

Lending

Company

Uangteman

Website

uangteman.com

Page 45: Fintech Indonesia Startup Report

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LENDING

KREDIVO

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.

Country/City

Indonesia/Jarkata

Founded

2015

Topic

Lending

Company

Kredivo

Website

kredivo.com

Page 46: Fintech Indonesia Startup Report

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LENDING

INVESTREE

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 borrower’s creditworthiness, facilitating the fund between borrower and

investors, and documenting legal loan agreement.

Country/City

Indonesia/Jarkata

Founded

2015

Topic

Lending

Company

Investree

Website

investree.id

Page 47: Fintech Indonesia Startup Report

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LENDING

MEKAR

Description

MEKAR Exchange is Indonesia’s first Online Peer to Peer micro lending platform developed

to meet the needs of Indonesian micro and small entrepreneurs and lenders.

Country/City

Indonesia/Jarkata

Founded

2013

Topic

Lending

Company

Mekar

Website

mekar.id

Page 48: Fintech Indonesia Startup Report

FINTECH INDONESIA

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Agenda

PAYMENT

POINT OF SALE SYSTEMS (POS)

LENDING

ACCOUNTING

COMPARISON

PERSONAL FINANCE & INVESTMENT

OVERVIEW

CROWDFUNDING

CRYPTOCURRENCY

Page 49: Fintech Indonesia Startup Report

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@FINTECHINA

ACCOUNTING

JOJONOMIC

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.

Country/City

Indonesia/Jarkata

Founded

2015

Topic

Accounting

Company

Jojonomic

Website

jojonomic.com

Page 50: Fintech Indonesia Startup Report

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ACCOUNTING

JURNAL

Description

Jurnal is a tech company delivering web-based accounting solutions for small to medium

businesses. We simplify administrative processes to only the essentials.

Country/City

Indonesia/Jarkata

Founded

2014

Topic

Accounting

Company

Jurnal

Website

jurnal.id

Page 51: Fintech Indonesia Startup Report

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ACCOUNTING

AKUNTING MUDAH

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 don’t even need to understand the basic theory of accounting to use the

product.

Country/City

Indonesia/Jarkata

Founded

2013

Topic

Accounting

Company

Akunting Mudah

Website

akuntingmudah

.com

Page 52: Fintech Indonesia Startup Report

FINTECH INDONESIA

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Agenda

PAYMENT

POINT OF SALE SYSTEMS (POS)

LENDING

ACCOUNTING

COMPARISON

PERSONAL FINANCE & INVESTMENT

OVERVIEW

CROWDFUNDING

CRYPTOCURRENCY

Page 53: Fintech Indonesia Startup Report

FINTECH INDONESIA

@FINTECHINA

COMPARISON

HALOMONEY

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 region’s leading financial comparison engine

which also operates in Hong Kong, the Philippines, Taiwan, Thailand, Malaysia and

Singapore.

Country/City

Indonesia/Jarkata

Founded

2013

Topic

Comparison

Company

HaloMoney

Website

halomoney.co.id

Page 54: Fintech Indonesia Startup Report

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COMPARISON

CEKAJA

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.

Country/City

Indonesia/Jarkata

Founded

2013

Topic

Comparison

Company

CekAja

Website

cekaja.com

Page 55: Fintech Indonesia Startup Report

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COMPARISON

CERMATI

Description

Cermati, an online portal for finding and comparing financial products in Indonesia. Cermati’s

goal is to help Indonesians research, compare, and choose financial products online in an

effort to save them time and money.

Country/City

Indonesia/Jarkata

Founded

2015

Topic

Comparison

Company

Cermati

Website

cermati.com

Page 56: Fintech Indonesia Startup Report

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COMPARISON

CEKPREMI

Description

Cekpremi.com is an online portal that provides information and comparison of various

insurance products.

Country/City

Indonesia/Jarkata

Founded

2014

Topic

Comparison

Company

Cekpremi

Website

cekpremi.com

Page 57: Fintech Indonesia Startup Report

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COMPARISON

RAJAPREMI

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.

Country/City

Indonesia/Jarkata

Founded

2013

Topic

Comparison

Company

Rajapremi

Website

rajapremi.com

Page 58: Fintech Indonesia Startup Report

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COMPARISON

ATUR DUIT

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.

Country/City

Indonesia/Jarkata

Founded

2014

Topic

Comparison

Company

Atur Duit

Website

aturduit.com

Page 59: Fintech Indonesia Startup Report

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COMPARISON

DUIT PINTAR

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.

Country/City

Indonesia/Jarkata

Founded

2013

Topic

Comparison

Company

Duit Pintar

Website

duitpintar.com

Page 60: Fintech Indonesia Startup Report

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COMPARISON

PASARPOLIS

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.

Country/City

Indonesia/Jarkata

Founded

2014

Topic

Comparison

Company

Pasarpolis

Website

pasarpolis.com

Page 61: Fintech Indonesia Startup Report

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Agenda

PAYMENT

POINT OF SALE SYSTEMS (POS)

LENDING

ACCOUNTING

COMPARISON

PERSONAL FINANCE & INVESTMENT

OVERVIEW

CROWDFUNDING

CRYPTOCURRENCY

Page 62: Fintech Indonesia Startup Report

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CROWDFUNDING

MAPAN

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.

Country/City

Indonesia/Jarkata

Founded

2009

Topic

Crowdfunding

Company

Mapan

Website

mapan.id

Page 63: Fintech Indonesia Startup Report

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CROWDFUNDING

KITABISA

Description

Kitabisa is a crowdfunding platform which favours social projects, as well as projects in the

areas of technology, creativity, and business categories.

Country/City

Indonesia/Jarkata

Founded

2013

Topic

Crowdfunding

Company

Kitabisa

Website

kitabisa.com

Page 64: Fintech Indonesia Startup Report

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CROWDFUNDING

WUJUDKAN

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.

Country/City

Indonesia/Jarkata

Founded

2012

Topic

Crowdfunding

Company

Wujudkan

Website

wujudkan.com

Page 65: Fintech Indonesia Startup Report

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CROWDFUNDING

GANDENG TANGAN

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.

Country/City

Indonesia/Jarkata

Founded

2015

Topic

Crowdfunding

Company

Gandeng Tangan

Website

gandengtangan.org

Page 66: Fintech Indonesia Startup Report

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Agenda

PAYMENT

POINT OF SALE SYSTEMS (POS)

LENDING

ACCOUNTING

COMPARISON

PERSONAL FINANCE & INVESTMENT

OVERVIEW

CROWDFUNDING

CRYPTOCURRENCY

Page 67: Fintech Indonesia Startup Report

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CRYPTOCURRENCY

QUIONE

Description

Quoine is an advanced Bitcoin trading platform offering margin trading and algo trading

across a number of currency pairs.

Country/City

Indonesia/Jarkata

Founded

2014

Topic

Cryptocurrency

Company

Quoine

Website

quoine.com

Page 68: Fintech Indonesia Startup Report

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CRYPTOCURRENCY

BITCOIN.CO.ID

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.

Country/City

Indonesia/Jarkata

Founded

2013

Topic

Cryptocurrency

Company

Bitcoin.co.id

Website

bitcoin.co.id

Page 69: Fintech Indonesia Startup Report

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Version 0.9 AUGUST 2016

CONTACT

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Mail [email protected]

Website fintechnews.sg

Twitter @FintechINA