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By 2025, Indonesia was home to *** fintech companies, representing a roughly ** increase over the period observed. Although the number of fintechs grew rapidly between 2008 and 2025, the pace of new market entry slowed markedly in recent years: while ** new fintechs were founded in Indonesia in 2018, no new fintech companies were established in 2025.

Fintech funding in Indonesia

In 2024, the funding value of fintech deals disclosed in the country amounted to *** million U.S. dollars. The peak investment year was 2022, highlighted by significant funding for Gojek, the leading on-demand platform and multiservice ecosystem pioneer. As of May 2025, theÌýmost funded fintech startup in Indonesia was Kredivo, securingÌý*** million U.S. dollars, followed by Xendit withÌý*** million U.S. dollars. Other top-funded startups included Akulaku, Investree, and Dana. These substantial investments have contributed to Indonesia's emergence as a hub for fintech innovation, now home to ****Ìýfintech unicorns.Ìý

Indonesia's fintech lending sector

In the Indonesian fintech landscape, lending companies hold a central position, accounting for the largest number of registered fintech companies. The sector's prominence is further underlined by its substantial share of investment, with alternative lending accounting for over ** of total fintech funding. As of April 2025, the country's fintech lending market includedÌý** conventional and Sharia-compliant companies. Lending platforms, such as Akulaku and Kredivo, are at the forefront of this development, specifically targeting the unbanked and underbanked populations. These platforms play an essential role in the development of financial inclusion, offering credit solutions to segments of the population that have been neglected by traditional banking institutions.