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101 Top Indonesia FinTech Companies and Startups of 2021

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

BukuKas

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

Amartha

Amartha

Crunchbase Website Twitter Facebook Linkedin

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

Amartha

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.

Amartha

Bibit.id

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

Amartha

Ajaib

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

Amartha

LinkAja

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

Amartha

PAYFAZZ

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

Amartha

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.

Amartha

KoinWorks

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

Amartha

Kredivo

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Kredivo provides an online credit card with payment methods and installments in 30 days or in installments within months.

Amartha

PasarPolis

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

Amartha

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.

Amartha

ALAMI

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

Amartha

Cermati

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

Amartha

Pluang

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Pluang is a financial technology application that opens public access opportunities to financial products easily and affordably.

Amartha

Investree

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Investree is a B2B SME Marketplace Lending in Indonesia

Amartha

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

Ayoconnect

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Southeast Asia’s largest open finance platform

Amartha

UangTeman

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

Amartha

AwanTunai

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

Amartha

GajiGesa

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

Amartha

INDODAX

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

Amartha

Akseleran

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Akseleran is a peer-to-peer lending platform.

Amartha

Batumbu

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Batumbu presents information technology-based money lending services.

Amartha

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.

Amartha

CROWDE

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

Amartha

Cashlez

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

Amartha

BukuWarung

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

Amartha

Taralite

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

Amartha

Cicil

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

Amartha

Radana Bhaskara Finance

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

Amartha

SMDV

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

Amartha

SuperAtom

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SuperAtom is a technology company that provides financial services.

Amartha

DANA Wallet Indonesia

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DANA is a Fintech company focused on delivering inclusive financial services (payment) to the whole of Indonesia

Amartha

Qelola

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Qelola is a digital payment startup focuses on international remittance transfer

Amartha

OY!

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

Amartha

kandang

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Kandangin is Project Financing Platform Focus to help Farmers in Indonesia

Amartha

Flip

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

Amartha

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.

Amartha

Kitabisa.com

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Indonesia’s Largest Crowdfunding Platform

Amartha

Pinhome

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Pinhome is a property transaction platform that makes the property more accessible for better livelihood and financial inclusion.

Amartha

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.

Amartha

Brankas

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

Amartha

Lifepal

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Lifepal is the #1 online marketplace in Indonesia for insurance.

Amartha

Modal Rakyat

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

Amartha

Zendz

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Cross Border Payment System

Amartha

Midtrans

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Midtrans empowers eCommerce through technology.

Amartha

Alterra

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

Amartha

Bareksa

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

Amartha

Paper.id

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

Amartha

Teman Usaha

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

Amartha

Futuready

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

Amartha

Gradana

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

Amartha

amalan international

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Fintech for distressed consumer loans in Southeast Asia

Amartha

Danabijak

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Danabijak is an online lending platform that offers microloans.

Amartha

PandaCredit

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

Amartha

Moduit

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Moduit is Wealth Management and Advisory platform for individual investors and financial professionals

Amartha

BeeCash

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

Amartha

Duithape

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

Amartha

Indodana

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Indodana is a financial service company located in Jakarta Pusat.

Amartha

Growpal

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

Amartha

Paprika

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

Amartha

Instamoney

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Instamoney develops a platform of payment infrastructures that allows users to transfer money quickly and effectively at scale.

Amartha

Sofi

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Sofi provides solutions and services for the needs of finance and financial technology.

Amartha

CrowdDana

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

Amartha

KlikACC

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Anchor Based Peer to Peer Lending

Amartha

AIQQON

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

Amartha

KreditGoGo

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KreditGoGo helps you compare and determine the best place to get financial products. Click and GoGo. Easy, safe, fast!

Amartha

Cashcash

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Cashcash is the largest financial intelligence platform

Amartha

Premiro

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Premiro is a insurance fintech company located in Jakarta.

Amartha

Pay OK

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A lifestyle finance app that helps Indonesian consumers connect and manage their finance securely from multiple finance institutions

Amartha

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.

Amartha

Ammana Fintek Syariah

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Ammana Fintek Syariah is a fintech company located in Jakarta.

Amartha

Rupiah Token Indonesia

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

Amartha

Duitku

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Duitku is a payments company located in Jakarta Barat.

Amartha

Dimo Pay Indonesia

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Dimo Empowering Mobile Payment Across Indonesia

Amartha

Pinjam

Crunchbase Website Twitter Facebook Linkedin

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

Amartha

OttoPay

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OttoPay is a financial services fintech company located in Jakarta.

Amartha

Waqara

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E-Commerce, Fintech, Payments

Amartha

Texo

Crunchbase Website Twitter Facebook Linkedin

Texo provides a payment ecosystem in Indonesia so that society can choose to use any payment channel on online and offline merchants.

Amartha

Qazwa

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Sharia Financing Online Platform

Amartha

RajaPremi

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

Amartha

Discovery Nusantara Capital

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

Amartha

InvesProperti

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Crowdfunding platform for property investment

Amartha

DuitPintar.com (KreditAja)

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DuitPintar.com (KreditAja) is a fintech consulting company located in Selatan.

Amartha

Midas Financials

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Your financial assistant

Amartha

PayAccess

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

Amartha

Pendanaan

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Pendanaan is a lending fintech platform dedicated to using cutting-edge technology and big data algorithms.

Amartha

Artawana

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

Amartha

Bank OCBC NISP

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Bank OCBC NISP is a banking company located in Jakarta.

Amartha

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.

Amartha

Pasar Pinjam

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Pasar Pinjam is a digital financial service company located in Kemang.is a digital financial service

Amartha

Sikatabis

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Sikatabis.com helps Indonesian consumers compare loans, insurance, investments, credit cards, and make smarter financial decisions.

Amartha

Fintech Asia

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

Amartha

Argapro

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ArgaPro is a fintech financial services platform located in Jakarta, Indonesia.

Amartha

Veerbit

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Veerbit is a mobile payments company located in Yogyakarta.

Amartha

Pefindo Biro Kredit

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Pefindo Biro Kredit provides financial services and solutions for the credit needs of the development of businesses.

Amartha

Traders.id

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World’s first trading plan platform for commodity futures market.

Amartha

Rupiah One

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Rupiah One is a financial services fintech company located in Gedung Plaza Mutiara.

Amartha

Duha madani syariah

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Duha madani syariah is a financing service platform located in Jakarta.

Written by Mark Fitz

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