ojk
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JULO
JULO is an Indonesian fintech company building a digital credit platform that gives emerging and underbanked consumers fast, app-based access to cash loans, paylater, bill payments and installment credit. Founded in 2016 and licensed by Indonesia's Financial Services Authority (OJK), JULO uses machine learning and big data to score creditworthiness in minutes rather than the hours or days a traditional bank takes. By its ninth anniversary in December 2025 the company had disbursed more than USD 1.7 billion in financing to over 3.28 million users across all 38 provinces of Indonesia.
Reku
Reku is an Indonesian investment platform that lets everyday users buy, sell and trade cryptocurrency alongside US stocks and ETFs from a single app. Founded in 2017 as Rekeningku.com and rebranded to Reku in 2022, the company positions itself as a low-fee, education-first exchange licensed by Indonesian regulators. It offers spot crypto, crypto futures, staking, OTC services and curated Reku Packs, and turned profitable in 2024 while serving hundreds of thousands of customers.