Akulaku is a leading fintech unicorn in Southeast Asia, offering a full suite of financial services including digital banking, consumer credit, digital investment, and insurance brokerage services to an emerging market with an underserved but creditworthy and fast-growing consumer group. Its digital banking platform is through IDX listed bank, PT Bank Neo Commerce.

Key Operations: Indonesia, Malaysia, Philippines, Vietnam

Industry: Fintech

Founded: 2014

Founders: William Li, Gordon Hu

Website: https://www.akulaku.com/



Flow is a credit management company that is transforming the business of unsecured consumer finance through AI technologies and ethical practices in Asia. Flow’s data-driven collection strategies have enabled remarkable recovery rates for top financial institutions and technology companies in India, Indonesia and Vietnam.

Key Operations: Indonesia, Vietnam, India

Industry: Fintech

Founded: 2016

Founder: Tomasz Borowski

Website: https://www.flow-tech.ai



Pace is a fintech company that partners with merchants and retailers to provide shoppers with Buy-Now, Pay-Later (BNPL) payment options, allowing them to spend less upfront and spread their purchases over 3 interest-free instalments.

Key Operations: Singapore, Malaysia, Hong

Industry: Fintech

: 2020

Founders: Turochas Fuad

Website: https://pacenow.co/



Pinhome is Indonesia’s largest property transaction platform. Pinhome’s online-to-offline property brokerage platform tackles the fragmented real estate market in Indonesia. The company works with banks, property developers, and other service providers, and leverages its algorithm and wealth of property data to enable seamless discovery, transactions, and post-transaction services for property buyers and sellers in the country.

Key Operations: Indonesia

Industry: Proptech

Founded: 2019

Founders: Dayu Dara and Ahmed Aljunied

Website: https://www.pinhome.id/


Trusting Social

Trusting Social is a fintech company that brings together big data technologies, advanced credit modeling, and mobile data in providing alternative credit scoring for emerging markets. The company aims to provide 1 billion credit scores to unbanked consumers within Southeast Asia and India for a start.

Key Operations: Vietnam, Indonesia, India

Industry: Fintech

Founded: 2013

Founders: Nguyen Nguyen, Tuyen Huynh

Website: https://trustingsocial.com/