AdaKami

What AdaKami does

AdaKami (legally PT Pembiayaan Digital Indonesia) is an Indonesia-based peer-to-peer lending platform founded in June 2018 and headquartered in Jakarta, operating as a subsidiary of NYSE-listed Chinese fintech FinVolution Group. The platform delivers collateral-free unsecured cash loans to individual Indonesian borrowers aged 18-60 through a mobile-first iOS and Android application, targeting unbanked and underbanked consumers who lack access to traditional bank credit. Loan amounts are disbursed within approximately one day following a digital e-KYC verification and underwriting process, with repayment structured as installments over tenors of up to 12 months and interest rates capped at 0.3% per day (≤6-month tenor) or 0.2% per day (≥6-month tenor) per Indonesian Financial Services Authority (OJK) regulations under SEOJK 19/SEOJK.06/2023.

The company's technical stack centers on AI-powered identity verification and fraud detection — specifically computer-vision-based KTP document analysis, biometric facial matching, and anomaly detection systems claimed to achieve up to 95% fraud-prevention effectiveness against deepfakes and document manipulation. AdaKami operates API-connected disbursement rails with 13 financial institution partners including BCA, BNI, BRI, Mandiri, Bank Jago, SeaBank, OCBC, Hana, Permata, CTBC, SuperBank, and Bank Ganesha, which supply the funding capital lent to borrowers. Revenue is generated from interest and economic benefits charged on outstanding loans, and the business is regulated by OJK under license KEP-128/D.05/2019, holds AFPI membership, and maintains ISO/IEC 27001:2013 certification. Q1 2025 disbursements reached IDR 3.94 trillion (approximately USD 249 million), and the platform has handled and resolved 14,365 consumer complaints in 2025 alone.

Name

AdaKami

Legal name

PT Pembiayaan Digital Indonesia (AdaKami)

Website

https://adakami.id

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

501–1,000 employees

Short description

AdaKami is an OJK-licensed Indonesian peer-to-peer lending platform that provides collateral-free, mobile-first unsecured cash loans to unbanked individual borrowers, funded through API partnerships with 13 Indonesian banks and priced under regulatory interest caps.

Ownership category

akta.pro rank

Product category

Consumer P2P Lending

NAICS

Nondepository Credit Intermediation (5222), Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141), Loan Brokers (6163)

akta.pro primary industry

Consumer P2P Personal Loans (Unsecured) (FSAKAHAA)

akta.pro secondary industry

Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)

Keywords

• Peer-to-peer lending
• Online cash loans
• Consumer lending platform
• Digital fintech lending
• Collateral-free loans

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. Interest and Economic Benefits on Loans: AdaKami generates revenue by charging borrowers interest (economic benefits) on their loans. For tenor ≤ 6 months, maximum daily interest is 0.3% per day (equivalent to 9% per month); for tenor ≥ 6 months, maximum daily interest is 0.2% per day (equivalent to 6% per month). Loans are repaid in installments over up to 12 months. Revenue is driven by loan volume, borrower creditworthiness, and chosen tenor.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

AdaKami operates a mobile-first peer-to-peer lending platform that provides collateral-free, unsecured cash loans to Indonesian individual borrowers. Loans are processed fully digitally through the AdaKami app with AI-powered e-KYC verification, 48-hour approval decisions, and funds disbursed in as fast as 1 day for tenors of up to 12 months, repaid in monthly installments with transparently disclosed interest rates regulated by OJK and AFPI.

Product overview

AdaKami operates as a peer-to-peer lending platform providing unsecured cash loans through its mobile application. The core offering consists of the AdaKami lending platform with digital application processing, 48-hour approval, and AI-powered e-KYC verification. Additional features include a referral program and promotional campaigns like Cair Untung. The platform is licensed by OJK and regulated under AFPI guidelines, targeting Indonesian consumers seeking accessible credit without collateral requirements.

Differentiator

Problem solved

Functional benefit

Products and services

• AdaKami Pinjaman Uang Daring (Peer-to-Peer Lending Platform) A mobile-first peer-to-peer lending platform providing collateral-free, unsecured cash loans to individual Indonesian borrowers. Loans are applied for, approved, and disbursed entirely through the AdaKami Android/iOS app, with approval within 48 hours and disbursement in as fast as 1 day, and are repaid in monthly installments over tenors of up to 12 months at OJK/AFPI-capped interest rates.
• AI-Powered e-KYC Identity Verification An AI-driven identity verification service that analyzes uploaded KTP (Indonesian national ID) and biometric facial data against relevant databases to validate borrower identity during registration, checking document authenticity and biometric consistency.

Quantifiable outcome

• Financing disbursed of IDR 3.94 trillion in Q1 2025
• +3 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature3 records

Partnerships

Two partnerships are on record, tiered supporting.

• TechnosupportingStrategic or Co-development Partner · 1 July 2022AdaKami partnered with Techno in July 2022 for a phone financing program, enabling AdaKami to serve customers seeking device loans in addition to general cash loans.
• LPEM FEB UI (Institute for Economic and Social Research, Faculty of Economics and Business, Universitas Indonesia)supportingOthersLPEM FEB UI conducted an independent study estimating AdaKami's contribution to Indonesia's GDP at IDR 6.95–10.96 trillion (USD 411–649 million) in 2024, supported employment for 47,000–78,000 people, and found 89.2% of AdaKami users demonstrated understanding of loan terms.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Kredivo: Kredivo is one of Indonesia's largest digital lending platforms, offering unsecured personal loans and BNPL to mass-market consumers via a mobile app. It directly competes with AdaKami in the same Indonesian P2P consumer-credit segment with similar target borrowers.
• Julo: Julo is an OJK-licensed Indonesian P2P lending app offering cash loans and credit cards to underbanked consumers. It targets the same unbanked/underbanked borrower segment as AdaKami with comparable tenor and pricing structures.
• Akulaku: Akulaku is an Indonesian and Southeast Asian fintech offering BNPL, cash loans, and digital banking. It overlaps directly with AdaKami on Indonesian consumer cash loans while extending into e-commerce financing.
• Tunaiku (Amar Bank): Tunaiku is the digital lending product of Amar Bank, providing unsecured cash loans to Indonesian consumers via mobile app. As a bank-affiliated digital lender, it competes with AdaKami on speed, accessibility, and pricing.
• Kredit Pintar: Kredit Pintar is an OJK-licensed Indonesian online lending platform serving underbanked borrowers with small-ticket cash loans via mobile. It competes head-to-head with AdaKami in the same regulatory and demographic segment.
• Pinjam (Grab/OVO): Pinjam is an OJK-licensed Indonesian digital lending product from Grab/OVO, offering cash loans to consumers within a super-app ecosystem. It competes with AdaKami on distribution scale, mobile UX, and unbanked borrower acquisition.
• Rupiah Cepat: Rupiah Cepat is an Indonesian online lending app providing small, short-tenor unsecured loans to individual borrowers. It is a direct competitor in the same mass-market P2P consumer lending category as AdaKami.

Emerging players

• Modalku (Funding Societies): Modalku (Funding Societies) is a Southeast Asian P2P lending platform operating in Indonesia, focused primarily on SME/business loans. It is comparable to AdaKami on platform mechanics, regulatory standing, and bank-partner funding model, though its borrower segment differs.
• GoTo Financial (GoPintar / GoPayLater): GoTo Financial, the fintech arm of Indonesia's GoTo super-app, offers consumer credit products including GoPayLater and GoPintar. It competes with AdaKami by leveraging GoTo's massive distribution and ecosystem data.

Broad incumbents

• FinVolution Group: FinVolution Group (NYSE: FINV) is AdaKami's publicly-listed parent and operates large-scale P2P lending platforms in China. As the broader parent platform, it provides strategic, capital, and technology comparability for AdaKami's Indonesian operation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/adakamiofficial
• YouTubeyoutube.com/c/AdaKami
• Facebookfacebook.com/adakami.id
• LinkedInlinkedin.com/company/pt-pembiayaan-digital-indonesia-adakami
• Instagraminstagram.com/adakami.id
• TikToktiktok.com/@adakami.id

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds3 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AdaKami