
Akulaku
Founded Year
2014Stage
Debt - II | AliveTotal Raised
$765MValuation
$0000Last Raised
$100M | 1 yr agoMosaic Score The Mosaic Score is an algorithm that measures the overall financial health and market potential of private companies.
-34 points in the past 30 days
About Akulaku
Akulaku serves as a digital finance platform in the banking and financial services industry. The company offers a range of services, including digital banking, virtual credit card issuance, and online wealth management, for underserved customers in emerging markets. Akulaku primarily serves the e-commerce industry, providing payment solutions and financial services to facilitate online shopping experiences. It was founded in 2014 and is based in Jakarta, Indonesia.
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Akulaku's Products & Differentiators
Akulaku
The Akulaku app is an ecommerce-based consumer finance platform that offers users a variety of loan products at various interest rates and terms, including "Buy Now, Pay Later" (BNPL), cash loans, and e-commerce and lifestyle services.
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Expert Collections containing Akulaku
Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.
Akulaku is included in 5 Expert Collections, including E-Commerce.
E-Commerce
11,245 items
Companies that sell goods online (B2C), or enable the selling of goods online via tech solutions (B2B).
Unicorns- Billion Dollar Startups
1,270 items
Digital Lending
2,380 items
This collection contains companies that provide alternative means for obtaining a loan for personal or business use and companies that provide software to lenders for the application, underwriting, funding or loan collection process.
Payments
3,335 items
Companies in this collection provide technology that enables consumers and businesses to pay, collect, automate, and settle transfers of currency, both online and at the physical point-of-sale.
Fintech
13,699 items
Excludes US-based companies
Latest Akulaku News
Mar 10, 2025
Akulaku expands financial inclusion in Indonesia with data-driven credit solutions powered by CBI March 10, 2025 12:19 GMT+700 Akulaku expands financial inclusion in Indonesia with data-driven credit solutions powered by CBI Jakarta (ANTARA) – Akulaku , one of Indonesia's largest fintech platforms and digital financial service provider to millions of users, continues to broaden financial inclusion across the country through its partnership with Credit Bureau Indonesia , a leading provider of credit information solutions for the financial sector. By leveraging CBI’s advanced credit insights and data-driven risk assessment solutions, Akulaku is optimising its lending processes, improving operational efficiency and ensuring secure and sustainable credit access for millions of underserved consumers. With enhanced credit verification and risk analysis capabilities, this collaboration empowers more Indonesians to access reliable and sustainable financial services, helping them build a stronger financial future. Akulaku’s Satisfaction with CBI Services “We are highly satisfied with the products and services provided by CBI Solutions. The quality of their solutions aligns perfectly with our business requirements, ensuring seamless operations. Furthermore, the CBI team is consistently responsive and highly supportive in addressing any challenges we encounter,” stated Mohamad Syifa Hasan, Credit Risk Manager at Akulaku. Additionally, Akulaku acknowledges that CBI’s solutions have significantly improved business process efficiency. “CBI Solutions has helped optimize our operations with a more efficient and integrated system. With the provided solutions, tasks become faster, more accurate, and less prone to errors.” CBI’s Commitment to Supporting Financial Innovation Peter Sugiapranata, Chief of Sales at Credit Bureau Indonesia (CBI), welcomes the strengthening partnership with Akulaku. “We are pleased to be a strategic partner for Akulaku in supporting their business growth. CBI remains committed to delivering innovative solutions that help fintech companies and financial institutions improve credit analysis accuracy and accelerate decision-making processes. We believe that utilizing the right data will further strengthen Indonesia’s digital financial ecosystem.” About Akulaku Akulaku is a leading digital financial service provider in Southeast Asia, offering a range of services including online credit, digital banking, and wealth management solutions. Akulaku aims to improve financial inclusion by providing accessible and user-friendly financial products to underserved markets. About Credit Bureau Indonesia (CBI): Established in 2014, Credit Bureau Indonesia (CBI) is a leading private credit bureau operating under the supervision of the Financial Services Authority (OJK). Committed to delivering accurate and comprehensive credit information, CBI supports businesses in managing credit risk and increasing access to credit for the Indonesian public. Since 2022, CBI has transformed into one of the most innovative credit bureaus in Indonesia. Reporter: PR Wire
Akulaku Frequently Asked Questions (FAQ)
When was Akulaku founded?
Akulaku was founded in 2014.
Where is Akulaku's headquarters?
Akulaku's headquarters is located at JL. Jend. Sudirman No. 86, Karet Tengsin, Tanah Abang, Jakarta.
What is Akulaku's latest funding round?
Akulaku's latest funding round is Debt - II.
How much did Akulaku raise?
Akulaku raised a total of $765M.
Who are the investors of Akulaku?
Investors of Akulaku include HSBC UK, Mitsubishi UFJ Financial Group, Lend East, Siam Commercial Bank, Silverhorn Investment Advisors and 16 more.
Who are Akulaku's competitors?
Competitors of Akulaku include Shinhan Indonesia Bank, Home Credit Indonesia, Kredivo Holdings, Pace Enterprise, Bukalapak and 7 more.
What products does Akulaku offer?
Akulaku's products include Akulaku and 4 more.
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Compare Akulaku to Competitors
Shinhan Indonesia Bank is a financial institution that offers a range of banking services and products. The bank provides personal and business banking solutions, including risk management, financial reporting, and remittance services. It caters to individual and corporate clients with its 24-hour internet banking and extensive ATM and global network. It was founded in 1992 and is based in Surabaya, Indonesia. Shinhan Indonesia Bank operates as a subsidiary of Shinhan Financial Group.

Bank Ganesha Tbk (Jakarta: BGTG.JK) operates as a commercial bank. The bank's operational segment is divided based on products and services, consisting of banking, consumer, treasury, and other businesses. The bank offers time deposits, current accounts, and savings accounts, as well as extends loans to commercial, SME, and corporate segments. The bank also offers export and import payment transactions, foreign exchange, and other banking services. It was founded in 1992 and is based in Jakarta, Indonesia.
PT Bank Mayapada International Tbk is an Indonesia-based financial institution that offers services in micro banking, savings, safe box, loans, foreign exchange, certificates, bank drafts, and other banking services. It is based in Jakarta, Indonesia.
BPRS Botani is a company that focuses on Islamic banking in the financial services sector. The company offers a range of financial products and services, including savings accounts, deposits, and financing, all in accordance with Sharia principles. It primarily serves the Islamic finance industry. It was founded in 1996 and is based in Bogor, Indonesia.
CIMB Niaga is a private banking company that offers retail, small and medium-sized enterprises, and corporate banking services along with providing franchises in microfinance and Sharia banking. The bank specializes in consumer banking, investment banking, asset management, and insurance products and services in ASEAN nations. CIMB Niaga was founded in 1955 and is based in Jakarta, Indonesia.

Plentina is a fintech startup that focuses on providing credit solutions in emerging markets. The company offers instant qualification for loans to purchase goods and services, which can be spent with partner merchants and repaid through various electronic methods. Plentina primarily serves consumers looking to build their credit history and make cashless payments to merchants. It was founded in 2019 and is based in Belmont, California.
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