Indonesia's fintech market creates demand for engineering teams that understand both software development and financial workflows. The companies below were selected for verifiable work in banking, payments, lending, digital finance, financial software, or related fintech systems, together with a defensible connection to the Indonesian market.
1. Itexus
Itexus specializes in fintech engineering for banks, financial institutions, brokers, investment businesses, and technology companies in Indonesia. It builds digital banking, lending, digital wallet, and payment systems. It also builds trading and brokerage platforms, wealth management systems, KYC and AML workflows, and core banking integrations. Its teams modernize legacy systems and handle cloud engineering, QA, and security for regulated financial products. Itexus reports more than 300 fintech projects for clients in 23 countries. It fits Indonesian companies that are open to working with an international fintech team.
Key Facts
- Best for: Complex banking, investment, payments, lending, and financial platform projects
- Core services: Fintech software development, fintech apps, AI implementation, DevOps, QA, cybersecurity
- Fintech areas: Digital banking, trading, wealth management, payments, lending, digital assets
- Project experience: 300+ fintech projects
- Delivery model: International software engineering and dedicated development teams
Contact Information
- Website: itexus.com
- E-mail: moc.suxeti@ofni
- Facebook: www.facebook.com/itexus
- Twitter: x.com/ItexusSoft
- LinkedIn: www.linkedin.com/company/itexus
- Instagram: www.instagram.com/itexus.soft
- Address: 8, The Green, STE road, Dover, DE 19901
2. PT. Dwidasa Samsara Indonesia
Dwidasa Samsara Indonesia builds software only for banking and the financial sector. It makes front-end financial apps and digital banking platforms that fit closely with how financial institutions operate.
The company follows structured information security practices throughout development, backed by ISO/IEC 27001:2022 certification. Banks and other institutions looking for an established local Indonesian partner with digital banking experience will find a good match here.
Key Facts
- Best for: Banks and financial institutions requiring specialized digital banking software
- Core services: Banking software development, financial front-end applications, digital banking platforms
- Specialization: Banking and financial-sector systems
- Certification: ISO/IEC 27001:2022
- Location: Tangerang, Indonesia
Contact Information
- Website: dwidasa.com
- Email: moc.asadiwd@ytinummoc
- Phone: +62 21 5314 1135
- Address: Ruko Jalur Sutera 29A No. 53, Alam Sutera Serpong, Tangerang 15323, Indonesia
3. Adi Data Informatika
Adi Data Informatika builds custom software for banking, financial services, insurance, and capital markets. It develops mobile banking and e-wallet systems, along with wider software engineering and enterprise technology services.
The company also offers QA, IT consulting, and technology outsourcing, which helps when a fintech project needs more than app development. Based in Jakarta, it knows both local enterprise systems and digital financial channels.
Key Facts
- Best for: Banking and financial companies combining software delivery with IT consulting
- Core services: Software development, mobile banking, e-wallet solutions, QA, IT consulting
- Industries: Banking, financial services, insurance, capital markets
- Location: West Jakarta, Indonesia
- Notable focus: Digital financial channels and enterprise software
Contact Information
- Website: www.adidata.co.id
- Email: di.oc.atadida@gnitekram
- LinkedIn: www.linkedin.com/company/adi-data-informatika
- Instagram: www.instagram.com/adidata.informatika
- Phone: +62 21 5366 0016
- Address: Gedung Graha Kencana, Jl. Perjuangan No. 88, Kebon Jeruk, West Jakarta 11530, Indonesia
4. Dihardja Software
Dihardja Software builds web platforms, mobile apps, APIs, and AI-powered products for Indonesian businesses. In fintech, it built the website and mobile apps for Gradana, a peer-to-peer property financing platform.
It has also done analytics and forecasting work, for example on the Echelor project. Fintech startups that want a whole digital product, not a single technical piece, can rely on Dihardja Software.
Key Facts
- Best for: Fintech startups and companies building mobile, web, or AI-enabled finance products
- Core services: Digital product development, web apps, mobile apps, API development, AI solutions
- Fintech experience: Lending platforms and financial analytics
- Relevant projects: Gradana, Echelor
- Location: Tangerang Selatan, Indonesia
Contact Information
- Website: dihardjasoftware.com
- Email: moc.erawtfosajdrahid@olleh
- LinkedIn: www.linkedin.com/company/dihardjasoftware
- Instagram: www.instagram.com/dihardjasoftware
- Phone: +62 8221 000 5856
- Address: Ruko Prominence 38G No. 37, Alam Sutera, Tangerang Selatan, Indonesia
5. Mitrais
Mitrais provides custom software engineering from several development centers in Indonesia. It serves clients in many industries, including financial services. Its teams build new products, modernize and integrate systems, and deliver software over the long term.
Mitrais has a large engineering workforce and experience running big software programs. Banks, fintech companies, and other financial firms that need more engineering capacity can turn to it. It fits ongoing development better than a small one-time build.
Key Facts
- Best for: Larger fintech and financial-services software programs
- Core services: Custom software development, digital transformation, system integration, development teams
- Industry experience: Financial services and fintech
- Engineering team: 500+ engineers
- Indonesian locations: Bali, Jakarta, Bandung, Yogyakarta
Contact Information
- Website: mitrais.com
- Facebook: www.facebook.com/mitraisofficial
- Twitter: x.com/mitrais
- LinkedIn: www.linkedin.com/company/mitrais
- Instagram: www.instagram.com/mitrais
- Phone: +62 21 527 7636
- Address: Gedung Wirausaha, 8th Floor, Jl. H.R. Rasuna Said Kav. C5, Jakarta Selatan 12940, Indonesia
6. Ice House
Ice House builds mobile apps and the backend systems behind them. Its industry experience includes financial services, which helps when building customer products that must be easy to use and run reliably on mobile.
Its mobile-first approach suits digital banking, payments, account management, and other consumer fintech apps. Companies can keep product design, engineering, and long-term app maintenance with one provider.
Key Facts
- Best for: Mobile-first fintech and digital banking products
- Core services: Mobile application development, backend development, product design, application maintenance
- Industry experience: Financial services
- Specialization: Consumer mobile products and supporting backend systems
- Location: Jakarta, Indonesia
Contact Information
- Website: icehousecorp.com
- E-mail: moc.procesuoheci@olleh
- LinkedIn: www.linkedin.com/company/ice-house
- Instagram: www.instagram.com/lifeaticehouse
- Phone: +62 21 509 28856
- Address: JustCo, Sequis Tower, Level 17, Jl. Jend. Sudirman No. 71, Jakarta 12190, Indonesia
7. Badr Interactive
Badr Interactive builds custom software, mobile apps, APIs, data platforms, and digital products. In fintech, it worked on Flip, building backend systems, mobile apps, microservices, and payment features.
The company also develops APIs and integrates payment gateways such as Midtrans, Xendit, and Stripe. It suits Indonesian fintech companies that need to connect customer apps to payment infrastructure and other outside financial services.
Key Facts
- Best for: Indonesian fintech products requiring custom applications and API integration
- Core services: Custom software, mobile apps, API development, UI/UX, data processing
- Fintech experience: Digital payments and financial product development
- Relevant project: Flip
- Locations: South Jakarta and Depok, Indonesia
Contact Information
- Website: badr.co.id
- Email: moc.evitcaretni-rdab@olleh
- Facebook: www.facebook.com/badrinteractive
- LinkedIn: www.linkedin.com/company/badr-interactive
- Instagram: www.instagram.com/badrinteractive
- Phone: +62 812 8816 7422
- Address: AD Premier Lt. 5 Suite 6, Jl. TB Simatupang No. 5, Jakarta Selatan 12550, Indonesia
8. Aetherica
Aetherica builds custom financial software in Jakarta, covering both traditional fintech and blockchain-based systems. It builds wallets, payment processing, approval workflows, financial operating systems, APIs, and mobile apps. It also integrates KYC and AML checks and payment gateways.
Its tools cover web, mobile, cloud, and financial integration, including links to Indonesian payment providers. Aetherica is a good choice when a project mixes payment processing, identity checks, financial workflows, and newer digital-asset features.
Key Facts
- Best for: Fintech platforms combining payments, financial workflows, APIs, and Web3
- Core services: Custom fintech development, financial systems, payment integration, KYC/AML integration
- Technologies: Node.js, Python, React, React Native, Flutter, AWS
- Payment integrations: Xendit, Midtrans, Stripe
- Location: Jakarta, Indonesia
Contact Information
- Website: www.aetherica.com
- Facebook: www.facebook.com/aetherica
- Twitter: x.com/aetherica247
- Instagram: www.instagram.com/aetherica247
- Phone: +62 8111 0000 434
- Address: The Kensington Office Tower, 9th Floor, Unit I-2, Jl. Boulevard Raya No. 1, Kelapa Gading, Jakarta 14240, Indonesia
9. PT Swadharma Duta Data
Swadharma Duta Data provides technology for banks and other financial-services firms in Indonesia. Besides software development, it offers financial apps, IT infrastructure, managed services, and systems for daily banking operations.
Its financial products include credit card origination, digital customer service, banking inventory systems, and card apps. It fits established institutions upgrading their operational systems better than startups that only need a light consumer app.
Key Facts
- Best for: Banks requiring operational and customer-service software
- Core services: Software development, IT infrastructure, managed services
- Financial solutions: Credit card origination, digital customer service, banking inventory systems
- Industry focus: Financial services and banking
- Location: East Jakarta, Indonesia
Contact Information
- Website: www.swadharma.com
- LinkedIn: www.linkedin.com/company/ptsdd
- Instagram: www.instagram.com/swadharmadutadata
- Phone: +62 21 2937 3636
- Address: Jl. Dewi Sartika No. 262, Cawang, Kramat Jati, Jakarta Timur 13630, Indonesia
10. Hanoman Cendekia Interaktif
Hanoman Cendekia Interaktif works on enterprise software, system integration, Java development, and fintech. It builds transaction-heavy apps, middleware, transaction routing, tokenization, and monitoring tools for complex financial systems.
Its clients include banking and insurance organizations. It is a strong pick for projects that link legacy applications to newer digital channels. Its integration work also helps when a bank's systems need to exchange data reliably.
Key Facts
- Best for: Banking integration and transaction-processing projects
- Core services: System integration, Java development, enterprise software, financial technology
- Fintech capabilities: Transaction routing, tokenization, integration, business monitoring
- Industries: Banking, insurance, government
- Location: South Jakarta, Indonesia
Contact Information
- Website: www.hanoman.co.id
- E-mail: di.oc.namonah@ofni
- LinkedIn: www.linkedin.com/company/pt--hanoman-cendekia-interaktif
- Instagram: www.instagram.com/hanoman.interaktif
- Phone: +62 21 8370 3933
- Address: Jl. Tebet Timur Dalam II No. 16, Jakarta Selatan, Indonesia
11. Assist Software Indonesia Pratama
Assist Software Indonesia Pratama builds financial technology for Indonesian banks, BPRs, BPRSs, BMTs, and cooperatives. Its products include core banking systems, digital banking platforms, mobile collection and mobile cash apps, and related financial workflows.
Its software is built for how Indonesian financial institutions work, including links to existing core banking systems and local processes. Regional banks and smaller financial organizations that need systems made for the Indonesian market are its natural clients.
Key Facts
- Best for: BPR, BPRS, BMT, cooperative, and regional banking technology
- Core services: Core banking, digital banking, mobile collection, mobile cash applications
- Market focus: Indonesian financial institutions
- Customization: Digital banking branding and workflows can be adapted
- Location: Malang, East Java, Indonesia
Contact Information
- Website: assistindo.id
- E-mail: moc.odnitsissa@vedsub
- Phone: (0341) 419004
- Address: Jl. Pondok Blimbing, Indah Blok E, No.14, RT 009 RW 005, Kel. Polowijen, Kec. Blimbing, Kota Malang, Jawa Timur 65126
Conclusion
Fintech software development companies in Indonesia cover everything from core banking and transaction systems to digital wallets, lending products, mobile banking, payment integrations, and financial analytics. The right provider depends largely on whether a project requires deep banking expertise, consumer product development, complex integrations, or additional engineering capacity.
Before selecting a development partner, companies should compare relevant fintech experience, security capabilities, integration expertise, delivery structure, and long-term support options. Matching these factors to the specific financial product helps narrow the field to providers with experience that fits the technical and operational requirements.