Indonesia’s tech and fintech ecosystem continues to accelerate. Waterhub secured seed funding to scale its clean water innovation, while Flip and Bank Aladin Syariah launched an LPS-guaranteed sharia savings account. SeaBank posted annual profit increase, but challenges persist as scam losses surged in 2025. At the same time, Danantara starts executing strategic investments, and Komdigi’s sends out ultimatum to Roblox.
Looking ahead, QRIS remains the backbone of Indonesia’s payment system, now reaching 57M users in 2025. Cross-border corridors with Malaysia, Thailand, and Singapore contributed significantly to QRIS’s growth, while expansion to Japan is already live, with China, Saudi Arabia, and South Korea on the horizon. These developments reinforce QRIS as a model for regional payment integration, boosting both inbound tourism and outbound digital commerce.
Indonesia’s sovereign-linked Danantara realized Rp 179.05T (~USD 11B) in investments in H1 2025, channeling funds into infrastructure, sustainability, and the digital economy. The capital deployment underscores the state’s growing role as both investor and market shaper in key strategic sectors. Read more
Waterhub raises seed funding 💧 Indonesian water-tech startup Waterhub has secured seed investment from Archipelago VC and The Radical Fund. The fresh capital underscores growing investor appetite in climate-tech solutions, with Waterhub positioned to scale innovations that tackle Indonesia’s chronic water access and sustainability challenges—an area with strong regulatory backing and rising demand from both urban and rural markets. Read more
Flip x Bank Aladin launch sharia savings 🏦 Payment platform Flip and Bank Aladin Syariah have rolled out Super Flip Tabungan Syariah, a sharia-compliant savings account guaranteed by LPS (Indonesia Deposit Insurance Corporation). Beyond expanding Flip’s embedded finance play, the partnership highlights how neobanks are leveraging collaboration to build trust and extend financial inclusion in Indonesia’s large Muslim population—one of the world’s fastest-growing Islamic finance markets. Read more
SeaBank profit up 18% 📈 Sea Group’s SeaBank Indonesia posted IDR 214B (~USD 13M) profit in H1 2025, an 18% increase YoY. The results reflect successful monetization of its ecosystem (Shopee, Garena) while sustaining operational efficiency, proving that digital banks in Indonesia are not just scaling user numbers but also delivering profitability in an increasingly competitive neobank landscape. Read more
Rising scam losses ⚠️ Public losses from scams in Indonesia reached Rp 4.6T (~USD 280M) in 2025, raising concerns about consumer protection in the digital era. This highlights a dual challenge: scaling financial access while safeguarding trust. Expect tighter oversight and collaboration between fintech players and regulators in fraud prevention. Read more
Komdigi vs Roblox regulation 🎮 Indonesia’s Kominfo Digital (Komdigi) has given Roblox two compliance requirements to avoid a ban, signaling rising scrutiny on global platforms. The case illustrates Indonesia’s tightening stance on content regulation, user safety, and data governance—issues with far-reaching implications for international platforms seeking to operate in the country. Read more
What’s Exciting
Nusatrip IPO on Nasdaq ✈️ Travel platform Nusatrip successfully listed on Nasdaq, making it one of the few Indonesian startups to go public on an international exchange. The IPO signals strong confidence in post-pandemic travel-tech growth and opens the door for more Southeast Asian startups to pursue U.S. listings as a pathway to global visibility and capital access. Read more
📌 MAROKO133 Update startup: Indonesia eyes Sovereign AI Fund 🤖, GoTo records profi
Dear subscribers,
This week’s update captures a mix of funding momentum, regulatory moves, and ecosystem shifts shaping Indonesia’s digital economy. OY! secured fresh capital to scale its fintech infrastructure, while GoTo delivered record-breaking Q2 performance. Regulators are stepping up with new cybersecurity rules for crypto, and Grab Ventures announced its latest startup cohort. Meanwhile, Living Lab Ventures launched InnoLab, Indonesia unveiled plans for a Sovereign AI Fund, and IBM flagged the region’s AI readiness gap.
On the digital infrastructure front, Indonesia’s internet penetration reached 116% in 2025 with 229 million users—yet growth has slowed to just +1.8% YoY, signaling market maturity and shifting the focus to service quality, monetization, and bridging the digital divide beyond Java.
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🚨 What’s New
OY! secures $15M funding – Indonesian fintech OY! raised US$15M led by MUFG Innovation Partners (MUIP) through their Indonesia’s focused Garuda Fund to strengthen payment infrastructure and expand its product suite. Processing billions in transactions monthly, OY! is positioning itself as a core enabler in Indonesia’s digital payments race. The round signals sustained investor appetite in fintech despite tighter funding. Read more
OJK issues cybersecurity guidelines – The Financial Services Authority (OJK) rolled out new cybersecurity rules for digital asset exchanges and custodians. The policy mandates stronger governance, incident response, and data security to curb systemic risks. It reflects regulators’ push to balance innovation with investor protection as crypto adoption rises. Read more
Grab Ventures picks five startups – Casion, Jejakin, Liberty Society, Rekosistem, and Sirsak join the Grab Ventures Velocity accelerator. The cohort will gain mentorship, market access, and scaling opportunities through Grab’s ecosystem. Themes include sustainability, social impact, and smart urban solutions. Read more
GoTo posts record Q2 2025 performance – GoTo booked 23% YoY revenue growth, its best quarter since IPO, fueled by ride-hailing recovery and fintech expansion. Efficiency gains also narrowed losses, boosting investor confidence in its turnaround. The milestone marks renewed momentum for Indonesia’s biggest tech group. Read more
👏 What’s Exciting
WeRide secures investment from Grab to launch robotaxis in SEA – Chinese autonomous driving company WeRide has secured a strategic equity investment from Grab’s partners to accelerate the rollout of robotaxis and autonomous shuttles in Southeast Asia. While Singapore has piloted autonomous taxis in controlled environments since 2016, WeRide’s Grab-backed expansion could mark the first large-scale commercial push for driverless mobility in the region. Read more
Living Lab Ventures launches InnoLab – A new program connecting startups with global IP strategy in 5 sectors (health, new gen semiconductor, renewable energy, logistics and climate. InnoLab aims to help founders bridge local research with global opportunities, supporting cross-border scaling. Read more
Indonesia plans “Sovereign AI Fund” – Indonesian government is preparing a state-backed AI fund to drive local R&D, support startups, and attract global partnerships. The move underscores Indonesia’s ambition to assert digital sovereignty and compete in the regional AI race. Read more
IBM: Only 11% of APAC organizations AI-ready – Despite 85% claiming readiness, only 11% of firms in Asia-Pacific have the infrastructure to scale AI, per IBM. The gap highlights execution risks but also a massive market for enterprise AI solutions. <a href="https://news.dailysocial.id/tech-business/news/studi…
