From Cash to Code: Indonesia’s Fintech Revolution in 2025
Bank Digital • 8 September 2025
Indonesia’s fintech scene is booming and driven by a young, tech-savvy population and a surge in digital payments, lending, and investing. Here’s a curated list of top fintech apps making waves in Indonesia as of 2025:
Digital Wallets & Mobile Payments
These apps dominate everyday transactions, from shopping to bill payments:
| App | Description |
| DANA | All-in-one mobile wallet for bills, e-commerce, and barcode payments |
| OVO | Widely accepted e-wallet with cashback rewards and seamless UI |
| GoPay | Integrated with Gojek, used for transport, food delivery, and payments |
| ShopeePay | Popular among online shoppers, especially during flash sales |
Digital Lending & Paylater
These platforms offer fast credit access, especially for millennials and Gen Z:
| App | Description |
| Kredivo | Offers instant credit lines and flexible installment plans |
| Easycash | Online loan app with quick approval and disbursement |
| Rupiah Cepat | Fast cash loans with minimal paperwork |
Investment & Wealth Management
These apps help users invest in stocks, mutual funds, and crypto:
| App | Description |
| Ajaib | Robo-advisor for stocks and mutual funds, loved by Gen Z investors |
| Stockbit | Social investing platform with charts, news, and trading tools |
| Indodax | Indonesia’s leading crypto exchange for secure trading |
Digital Banking & Neobanks
Traditional banks are going digital, and new players are emerging:
| App | Description |
| BRImo | Mobile banking from Bank Rakyat Indonesia |
| Livin’ by Mandiri | Full-service digital banking from Bank Mandiri |
| SeaBank | Digital bank with competitive interest rates |
| Bank Jago | Neobank with smart budgeting and financial planning tools |
Indonesia’s fintech ecosystem is vibrant, diverse, and evolving fast. Whether you’re a consumer, investor, or entrepreneur, these apps are reshaping how money moves in Southeast Asia’s largest economy.
