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Using a motorcycle taxi network as its backbone, Gojek is a one-stop app for everything on-demand – transport, courier, food delivery, even massage and house cleaning. Payment via cash or GoPay, an e-wallet that can be used for Gojek services and other payments.

A financial products website in plain language for unbanked users to learn about, find, compare and apply for financial products and services in Indonesia, from credit cards to shariah or Islamic banking. Documents pickup available.

iGrow is an online marketplace connecting investors, farmers, landowners and crop buyers to generate sustainable income streams from local organic farming. Its cloud-based agricultural management software enables investors to track the progress of the crop cultivation, harvests and sales; with live updates and online payments via iGrow’s app and website.

An internet P2P lending platform and solutions provider for traditional financial institutions wanting to incorporate fintech. Offers direct lending, and indirect/pooled lending via its Tuantuanzhuan (literally, “every group wins”) group investment product, featuring automatic investment and risk diversification. Investments start from RMB 100, with 4.5%–10% annual returns.

On-demand auto maintenance services with supporting physical stores. Book via website, hotline or WeChat. Two experienced mechanics are sent each time, and issue a standardized report, plus video recording, of the 45-minute maintenance session. Ebaoyang has also diversified into “Yangche Qianbao” (literally, “car maintenance wallet”), a wealth management fintech platform.

App and website linking users with cosmetic surgeons and patients sharing their experiences in journal format. Includes general forum; photo uploading for doctors’ recommendations; online marketplace for shopping eye, nose, body, skincare, etc.; treatments/procedures at discounted prices, with user reviews, ratings, photo sharing; group buying. Installment payments, insurance, refunds available.

IWAK’s microfinance platform matches investors with villagers who want to earn additional income as fish farmers. Investors can monitor their fishes in real time through its website. Low cost portable fish ponds, equipment and business assistance, including sales and distribution logistics; are provided by IWAK.

Tokopedia is a free online marketplace for sellers to open their own e-stores and earns revenues from user upgrades, premium accounts and TopAds advertising services. Tokopedia also operates a secure e-payment system and provides an alternative e-wallet account facility for members of its e-commerce and mobile app platforms.

UangTeman is an online P2P lending platform with mobile banking capabilities. The loans are available for a minimum loan period of 10 days. An initial daily compound interest rate of 1% is charged and loans must be paid within 30 days, with fees charged for late payments and extensions.

An online platform that lets unbanked college students buy big ticket items (laptops, smartphones) on a monthly installment. No credit card or credit history required.

Eragano’s mobile app comprises a digital farming guide, a channel to find crop insurance, access to microfinancing and a marketplace for farmers. Eragano Store is a platform for B2B, which will be expanded to B2C where customers can buy products directly from the Eragano farmers.

Jualo is an e-classifieds space platform for new and used goods, with geo-search location and delivery tracking functions. Users are also able to advertise, buy, sell and/or bid for items online. Jualo offers private chat boxes, escrow accounts and logistics services for a carefree user experience.

Jurnal is a simple, user-friendly online accounting and bookkeeping software that complies with Indonesia’s financial regulations. Its bookkeeping process is geared to the business needs of SMEs. Features include instant updated reports and a shared ledger processing system for invoicing and asset management by the business owners and accountants.

Moka provides cloud-based, mobile point-of-sale (mPOS) app and services. Features include outlet management, reporting and analytics, CRM and cashless payment infrastructure. It also sells hardware such as cash registers and barcode scanners customized for the app.

App for short-term borrowing/lending money within social circles, in pooled funding at 5–15% interest rates. Parties remain anonymous, but borrowing trends and sums are visible within the circle. When payment is long overdue, Pengyoufan uses “social shaming” within the network and legal avenues to reveal “dishonest” friends, recover debt.

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