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FINTECH
INDONESIA
@FINTECHINA
Version 0.9 AUGUST 2016
FINTECH START-UPS INDONESIA
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.
FINTECH
INDONESIA
@FINTECHINA
Version 0.9 AUGUST 2016
INTRODUCTION
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
$
• 201510.5 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
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
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
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
FINTECH
INDONESIA
@FINTECHINA
FINTECH INDONESIA START-UPS
ONLINE ACTIVITIES
• StatistaSOURCES
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
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/
FINTECH
INDONESIA
@FINTECHINA
Version 0.9 AUGUST 2016
AGENDA
FINTECH
INDONESIA
@FINTECHINA
Agenda
PAYMENT
POINT OF SALE SYSTEMS (POS)
LENDING
ACCOUNTING
COMPARISON
PERSONAL FINANCE & INVESTMENT
OVERVIEW
CROWDFUNDING
CRYPTOCURRENCY
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
FINTECH
INDONESIA
@FINTECHINA
FINTECH INDONESIA START-UPS
OVERVIEW (2/2)
Payment
POS
Lending
Accounting
Compariso
n
Crowd
funding
Crypto
Currency
Personal Finance
& Investment
FINTECH
INDONESIA
@FINTECHINA
Agenda
PAYMENT
POINT OF SALE SYSTEMS (POS)
LENDING
ACCOUNTING
COMPARISON
PERSONAL FINANCE & INVESTMENT
OVERVIEW
CROWDFUNDING
CRYPTOCURRENCY
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
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
Agenda
PAYMENT
POINT OF SALE SYSTEMS (POS)
LENDING
ACCOUNTING
COMPARISON
PERSONAL FINANCE & INVESTMENT
OVERVIEW
CROWDFUNDING
CRYPTOCURRENCY
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
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
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
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
FINTECH
INDONESIA
@FINTECHINA
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
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
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
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
Agenda
PAYMENT
POINT OF SALE SYSTEMS (POS)
LENDING
ACCOUNTING
COMPARISON
PERSONAL FINANCE & INVESTMENT
OVERVIEW
CROWDFUNDING
CRYPTOCURRENCY
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
Agenda
PAYMENT
POINT OF SALE SYSTEMS (POS)
LENDING
ACCOUNTING
COMPARISON
PERSONAL FINANCE & INVESTMENT
OVERVIEW
CROWDFUNDING
CRYPTOCURRENCY
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
Agenda
PAYMENT
POINT OF SALE SYSTEMS (POS)
LENDING
ACCOUNTING
COMPARISON
PERSONAL FINANCE & INVESTMENT
OVERVIEW
CROWDFUNDING
CRYPTOCURRENCY
FINTECH
INDONESIA
@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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
Agenda
PAYMENT
POINT OF SALE SYSTEMS (POS)
LENDING
ACCOUNTING
COMPARISON
PERSONAL FINANCE & INVESTMENT
OVERVIEW
CROWDFUNDING
CRYPTOCURRENCY
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
Agenda
PAYMENT
POINT OF SALE SYSTEMS (POS)
LENDING
ACCOUNTING
COMPARISON
PERSONAL FINANCE & INVESTMENT
OVERVIEW
CROWDFUNDING
CRYPTOCURRENCY
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
Agenda
PAYMENT
POINT OF SALE SYSTEMS (POS)
LENDING
ACCOUNTING
COMPARISON
PERSONAL FINANCE & INVESTMENT
OVERVIEW
CROWDFUNDING
CRYPTOCURRENCY
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
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
FINTECH
INDONESIA
@FINTECHINA
Version 0.9 AUGUST 2016
CONTACT
CHRISTIAN KÖNIG
FINTECH EXPERT
Mail ck@finanzpro.ch
Website fintechnews.sg
Twitter @FintechINA

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Fintech Indonesia Startup Report

  • 1. FINTECH INDONESIA @FINTECHINA Version 0.9 AUGUST 2016 FINTECH START-UPS INDONESIA
  • 2. 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.
  • 4. 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 $ • 201510.5 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
  • 5. 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
  • 6. 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
  • 7. 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
  • 8. FINTECH INDONESIA @FINTECHINA FINTECH INDONESIA START-UPS ONLINE ACTIVITIES • StatistaSOURCES 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
  • 9. 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/
  • 11. FINTECH INDONESIA @FINTECHINA Agenda PAYMENT POINT OF SALE SYSTEMS (POS) LENDING ACCOUNTING COMPARISON PERSONAL FINANCE & INVESTMENT OVERVIEW CROWDFUNDING CRYPTOCURRENCY
  • 12. 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
  • 13. FINTECH INDONESIA @FINTECHINA FINTECH INDONESIA START-UPS OVERVIEW (2/2) Payment POS Lending Accounting Compariso n Crowd funding Crypto Currency Personal Finance & Investment
  • 14. FINTECH INDONESIA @FINTECHINA Agenda PAYMENT POINT OF SALE SYSTEMS (POS) LENDING ACCOUNTING COMPARISON PERSONAL FINANCE & INVESTMENT OVERVIEW CROWDFUNDING CRYPTOCURRENCY
  • 15. 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
  • 16. 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
  • 17. FINTECH INDONESIA @FINTECHINA 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
  • 18. FINTECH INDONESIA @FINTECHINA Agenda PAYMENT POINT OF SALE SYSTEMS (POS) LENDING ACCOUNTING COMPARISON PERSONAL FINANCE & INVESTMENT OVERVIEW CROWDFUNDING CRYPTOCURRENCY
  • 19. 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
  • 20. 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
  • 21. 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
  • 22. 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
  • 23. FINTECH INDONESIA @FINTECHINA 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
  • 24. 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
  • 25. 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
  • 26. 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
  • 27. FINTECH INDONESIA @FINTECHINA 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
  • 28. FINTECH INDONESIA @FINTECHINA 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
  • 29. FINTECH INDONESIA @FINTECHINA 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
  • 30. FINTECH INDONESIA @FINTECHINA 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
  • 31. FINTECH INDONESIA @FINTECHINA 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
  • 32. FINTECH INDONESIA @FINTECHINA 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
  • 33. FINTECH INDONESIA @FINTECHINA 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
  • 34. FINTECH INDONESIA @FINTECHINA Agenda PAYMENT POINT OF SALE SYSTEMS (POS) LENDING ACCOUNTING COMPARISON PERSONAL FINANCE & INVESTMENT OVERVIEW CROWDFUNDING CRYPTOCURRENCY
  • 35. 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
  • 36. FINTECH INDONESIA @FINTECHINA 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
  • 37. FINTECH INDONESIA @FINTECHINA 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
  • 38. FINTECH INDONESIA @FINTECHINA 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
  • 39. FINTECH INDONESIA @FINTECHINA 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
  • 40. FINTECH INDONESIA @FINTECHINA Agenda PAYMENT POINT OF SALE SYSTEMS (POS) LENDING ACCOUNTING COMPARISON PERSONAL FINANCE & INVESTMENT OVERVIEW CROWDFUNDING CRYPTOCURRENCY
  • 41. 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
  • 42. FINTECH INDONESIA @FINTECHINA 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
  • 43. FINTECH INDONESIA @FINTECHINA 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
  • 44. FINTECH INDONESIA @FINTECHINA 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
  • 45. FINTECH INDONESIA @FINTECHINA 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
  • 46. FINTECH INDONESIA @FINTECHINA 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
  • 47. FINTECH INDONESIA @FINTECHINA 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
  • 48. FINTECH INDONESIA @FINTECHINA Agenda PAYMENT POINT OF SALE SYSTEMS (POS) LENDING ACCOUNTING COMPARISON PERSONAL FINANCE & INVESTMENT OVERVIEW CROWDFUNDING CRYPTOCURRENCY
  • 49. FINTECH INDONESIA @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
  • 50. FINTECH INDONESIA @FINTECHINA 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
  • 51. FINTECH INDONESIA @FINTECHINA 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
  • 52. FINTECH INDONESIA @FINTECHINA Agenda PAYMENT POINT OF SALE SYSTEMS (POS) LENDING ACCOUNTING COMPARISON PERSONAL FINANCE & INVESTMENT OVERVIEW CROWDFUNDING CRYPTOCURRENCY
  • 53. 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
  • 54. FINTECH INDONESIA @FINTECHINA 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
  • 55. FINTECH INDONESIA @FINTECHINA 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
  • 56. FINTECH INDONESIA @FINTECHINA 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
  • 57. FINTECH INDONESIA @FINTECHINA 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
  • 58. FINTECH INDONESIA @FINTECHINA 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
  • 59. FINTECH INDONESIA @FINTECHINA 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
  • 60. FINTECH INDONESIA @FINTECHINA 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
  • 61. FINTECH INDONESIA @FINTECHINA Agenda PAYMENT POINT OF SALE SYSTEMS (POS) LENDING ACCOUNTING COMPARISON PERSONAL FINANCE & INVESTMENT OVERVIEW CROWDFUNDING CRYPTOCURRENCY
  • 62. FINTECH INDONESIA @FINTECHINA 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
  • 63. FINTECH INDONESIA @FINTECHINA 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
  • 64. FINTECH INDONESIA @FINTECHINA 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
  • 65. FINTECH INDONESIA @FINTECHINA 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
  • 66. FINTECH INDONESIA @FINTECHINA Agenda PAYMENT POINT OF SALE SYSTEMS (POS) LENDING ACCOUNTING COMPARISON PERSONAL FINANCE & INVESTMENT OVERVIEW CROWDFUNDING CRYPTOCURRENCY
  • 67. FINTECH INDONESIA @FINTECHINA 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
  • 68. FINTECH INDONESIA @FINTECHINA 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
  • 69. FINTECH INDONESIA @FINTECHINA Version 0.9 AUGUST 2016 CONTACT CHRISTIAN KÖNIG FINTECH EXPERT Mail ck@finanzpro.ch Website fintechnews.sg Twitter @FintechINA