The financial sector is synonymous with startup-initiated technology adoption. This is especially true of those fin-tech (financial technology) startups that have started blooming in Indonesia. The following fin-tech startups may be the ones with the most potential to become titans of the industry.


This John Patrick (J.P.) Ellis-founded startup presents a comparison service of financial products that holds the principle of accuracy, security, and simplicity as its main pillars. These products are across various categories, ranging from credit cards to consumer credit, insurance, and investment.

To facilitate its consumers, CekAja provides free consultation regarding financial products and insurance through its call center and livechat services.


Doku provides a payment gateway to facilitate any payment. Simplicity and security are Doku’s main principles. So far, the startup has partnered with AliExpress, Metropolitan, Land, migme, and many others.

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Similar to Doku, Veritrans also offers a payment gateway setup. So far, the startup has served various products including VT-Link and VT-Web. One key point that has allowed Veritrans to get inducted into this list is its partnership with the giants of banking industry, like BNI, Mandiri, CIMB Niaga, BCA, BRI, and Permata Bank. The various products it offers also show the startup’s excellence.


This startup, which was established back in 2009, holds micro business as one of its business focus. Ruma presents a transaction system that serves micro businesses such as cellphone credit, invoicing, and financial services. Ruma also provides training to villagers to utilize technology while conducting their business.

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The ability to manage money isn’t everyone’s privilege. NgaturDuit, aware about this situation, decided to provide the solution. The startup offers a service that assists its users in managing their finance, including budgeting, expense reporting, investment portfolio monitoring and free consultation.

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