Infradigital

What Infradigital does

Infradigital (PT Infradigital Nusantara), operating under the Jaringan IDN brand, is an Indonesian edu-fintech company founded in September 2017 and headquartered in Jakarta. The company operates a cloud-based platform that connects Indonesian educational institutions with digital and financial services, anchored by KasFlow for real-time financial management and PorDi (Portal Digital) for student data and Dapodik/EMIS reporting. Its core value proposition is unifying tuition collection and institutional administration across a payment network of 20+ channels, including major banks (Mandiri, BNI, BRI, BCA, Danamon, Permata, BSI, CIMB Niaga Syariah), the country's two largest retail chains (Alfamart and Indomaret), e-wallets (GoPay, LinkAja, DANA), and e-commerce platforms (Tokopedia, Shopee, Blibli). The platform serves schools, madrasahs, pesantrens (Islamic boarding schools), universities, bimbels, and PKBMs, with specialized modules such as TrenDi for pesantrens, PPDB/PMB Online enrollment, and the Pelajar mobile app for parents.

The company monetizes through a combination of subscription fees (KasFlow, PorDi, SPP Online), transaction-based fees on tuition processing, PPDB/PMB enrollment processing fees, and hardware/margin revenue from IDN Logistik (institutional procurement). Sharia-compliant financing is offered through BMT Izzah Dana Nusantara and consumer education loans through AEON Fast (up to 36-month tenor). Distribution combines a direct enterprise field-sales motion (regional offices in Bandung, Tangerang, Solo, Yogyakarta, Malang, and Medan) with government partnerships, notably multi-province MoUs with Kanwil Kemenag for madrasah digitalization programs.

Regulatory positioning is a deliberate pillar: Infradigital has been registered with Bank Indonesia as a Tekfin since May 2018, holds ISO 27001:2013 certification (claimed as a first for an Indonesian education fintech), is PSE-registered with Kominfo, and is a member of Fintech Indonesia. The company serves 4,500+ institutions across 74 cities/regencies and processes tens of billions IDR in monthly education billings. It remains privately held at seed stage, with disclosed backers including Appworks Ventures, Fenox Ventures, and angel investors from Google and Netflix.

Name

Infradigital

Legal name

PT Infradigital Nusantara

Website

https://infradigital.io

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

51–100 employees

Short description

Infradigital (Jaringan IDN) is an Indonesian edu-fintech platform that connects 4,500+ schools, pesantrens, universities, bimbels, and PKBMs with 20+ payment channels, financial management (KasFlow), student data systems (PorDi), and sharia-compliant financing.

Ownership category

akta.pro rank

Product category

Education Fintech / Education Payment Platform

NAICS

Educational Support Services (611710), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210)

SIC

Services-Educational Services (8200), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Billing, Tuition, Fees & Payments (including Cafeteria/Meal Accounts) (EDAFAEAN)

akta.pro secondary industries

Student Billing, Invoicing & Account Statements (EDALAJAC), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Student Loan Marketplace Lending (FSAKAHAE)

Keywords

• Education fintech platform
• School payment processing
• Tuition collection network
• Education financial management
• Institutional digitalization

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices8 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SPP Online / Tuition Payment Processing: Platform fees or transaction fees charged to educational institutions for processing tuition and fee payments through the Jaringan IDN payment network. Institutions receive real-time payment tracking and reconciliation services.
2. SaaS Platform Subscriptions (KasFlow, PorDi): Subscription-based access to financial management (KasFlow), student data portal (PorDi), and related digital services for educational institutions.
3. PPDB/PMB Online Enrollment Platform: Online enrollment system with processing and transaction fees for new student registration.
4. IDN Logistik (Educational Procurement): Procurement and logistics services for educational institutions with financing options, generating revenue through product margins and financing arrangements.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

Infradigital (operating as Jaringan IDN) operates an integrated edu-fintech platform that provides Indonesian educational institutions with digital financial management (KasFlow), institutional data management (PorDi), tuition payment processing (SPP Online), online student enrollment (PPDB/PMB Online), and access to a payment network of 20+ channels including banks, retail stores, e-wallets, and e-commerce platforms. The company serves schools, madrasahs, pesantrens (Islamic boarding schools), universities, tutoring centers, and PKBM community learning centers, enabling parents to pay tuition and fees via convenient digital channels while institutions get real-time cash flow visibility and government system integration.

Product overview

Infradigital (Jaringan IDN) operates as an integrated edu-fintech platform offering a comprehensive ecosystem of digital solutions for educational institutions in Indonesia. The core platform consists of KasFlow for financial management and Pordi (Portal Digital) for institutional data digitalization, supplemented by mobile applications (Aplikasi Pelajar), specialized solutions (TrenDi for Islamic boarding schools), and auxiliary services (SPP Online, PPDB/PMB Online). The system connects to 21+ payment channels including major banks, retail outlets, e-wallets, and e-commerce platforms, enabling parents to pay tuition through multiple convenient methods. Additional offerings include IDN Logistik for procurement, BMT Izzah Dana Nusantara for sharia financing, DiDu for e-learning, and IDN Learning Hub for professional development webinars.

Differentiator

Problem solved

Functional benefit

Brands

• KasFlow: Digital financial recording platform for educational institutions providing real-time accounting and cash flow management.
• PorDi (Portal Digital)
• TrenDi (Pesantren Digital)
• Pelajar App
• IDN Logistik

Products and services

• KasFlow Cloud-based financial recording platform providing accountable, real-time cash flow tracking, treasury management, invoice generation, and financial reporting for educational institutions. Integrated with 20+ payment channels and government reporting systems.
• PorDi (Portal Digital) Digital data platform for educational institutions covering student data management, Dapodik/EMIS data input, school websites, announcements, enrollment management, and multi-institution dashboards.
• Aplikasi Pelajar (Pelajar App) Mobile application for parents and guardians to view education bills, attendance records, and academic calendar; available on Google Play Store and Apple App Store.
• TrenDi (Pesantren Digital) Specialized digital management platform for Islamic boarding schools (pesantrens) covering student data, education payment, infaq/syahriah management, new student registration, and financial reporting.
• SPP Online Online tuition payment system with multi-channel payment support (20+ channels), automated payment reminders via SMS/email, and real-time settlement and reconciliation for educational institutions.
• PPDB/PMB Online Online student enrollment system aligned with Dapodik/Emis standards with customizable fields, supporting a 15-minute enrollment process from form submission to payment for new school (PPDB) or university (PMB) students.
• BMT Izzah Dana Nusantara Sharia-compliant financing solution for educational institutions, enabling installment payments (1-6 months tenor) for procurement needs with KTP-based requirements to address urgent cash needs.
• IDN Logistik Procurement and logistics solution for educational institutions with flexible installment payments, sharia-compliant transactions, and documentation aligned with BOP reporting (eRKAS) for purchasing needs.

Quantifiable outcome

• Reduces education payment arrears by up to 16%
• +3 more outcomes

Named customers15 records

Segments7 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration27 records

Feature9 records

Partnerships

34 partnerships are on record, tiered core and minor.

• Bank CIMB Niaga SyariahcoreChannel Partner/ Reseller/ Distributor · 1 March 2026Bank CIMB Niaga Syariah Virtual Account for education payment since March 2026.
• Kanwil Kemenag DKI JakartacoreStrategic or Co-development Partner · 1 January 2022Ministry of Religion office in DKI Jakarta partnered with Infradigital for Jakarta Madrasah Digital Awards 2022, recognizing and promoting digitalization among madrasahs in Jakarta.
• Kanwil Kemenag BantencoreStrategic or Co-development Partner · 1 January 2022Ministry of Religion office in Banten partnered with Infradigital for Anugerah Inovasi Madrasah Digital Provinsi Banten 2022, promoting innovation in madrasah digitalization.
• Kanwil Kemenag Jawa BaratcoreStrategic or Co-development Partner · 1 January 2022Ministry of Religion office in West Java partnered with Infradigital for madrasah digitalization programs similar to the East Java model, expanding digital transformation across West Java madrasahs.
• Dinas Pendidikan Kota Bekasi & Kota BogorcoreStrategic or Co-development Partner · 1 January 2022Education departments of Bekasi and Bogor cities collaborated with Infradigital for 'Ayo Digitalkan Sekolahmu' events on March 29 and 31, 2022, attended by 70+ educational institutions.
• JSIT Kota Bekasi (Jaringan Sekolah Islam Terpadu)minorStrategic or Co-development Partner · 1 January 2022JSIT Kota Bekasi signed cooperation with Infradigital to provide free digitalization specifically for member schools of the integrated Islamic school network.
• ShopeecoreChannel Partner/ Reseller/ Distributor · 1 September 2021Shopee e-commerce integrated IDN education bill payments since September 2021 via the biaya pendidikan menu. Parents can pay with cashback benefits.
• Bank Syariah Indonesia (BSI)coreChannel Partner/ Reseller/ Distributor · 1 November 2020Bank Syariah Indonesia Virtual Account for sharia-compliant education payment since November 2020. Supports SPP, infaq, registration, and book fees.
• APTISI (Asosiasi Perguruan Tinggi Swasta Indonesia)coreStrategic or Co-development Partner · 1 September 2020APTISI partnered with Infradigital for digitalization of learning and payment services at private universities during the COVID-19 pandemic. Organized international webinars on blended learning.
• PERPENAS (Perkumpulan Gema Pendidikan Nasional)minorStrategic or Co-development Partner · 1 August 2020PERPENAS Banyuwangi partnered with Infradigital for digitalization of financial payment services across its 11 education institutions covering TK through university level.
• TokopediacoreChannel Partner/ Reseller/ Distributor · 1 April 2020Tokopedia e-commerce platform integrated IDN education payments since April 2020 via the biaya pendidikan menu. Parents can pay using various payment methods available on their Tokopedia account.
• BliblicoreChannel Partner/ Reseller/ Distributor · 1 April 2020Blibli e-commerce integrated IDN education payments since April 2020 via the PENDIDIKAN menu on website and app.
• LinkAjacoreChannel Partner/ Reseller/ Distributor · 1 April 2020LinkAja (BUMN-owned e-wallet) integrated IDN education payments since April 2020 via the PENDIDIKAN menu. Parents can pay using LinkAja balance.
• BayarindminorChannel Partner/ Reseller/ Distributor · 1 April 2020Bayarind digital wallet integrated IDN education payments since April 2020 via the EDUKASI menu.
• Gojek / GoPaycoreChannel Partner/ Reseller/ Distributor · 1 February 2020Gojek's Go-Bills service integrated IDN schools as a payment option since February 2020 via the SCHOOLS/SEKOLAH menu. Parents can pay using GoPay balance. Available for SPP, building fees, books, extracurriculars, tutoring, and more.
• Kanwil Kemenag Jawa TimurcoreStrategic or Co-development Partner · 1 January 2020Ministry of Religion office in East Java partnered with Infradigital for Gerakan Ayo Membangun Madrasah (GERAMM) program, promoting digitalization of madrasah finances and administration across East Java.
• LPTNU (Lembaga Pendidikan Tinggi Nahdlatul Ulama)minorStrategic or Co-development Partner · 1 January 2020LPTNU partnered with Infradigital to accelerate digitalization at NU-affiliated higher education institutions, helping them face Industry 4.0 challenges.
• Pemprov Jawa Barat (Government of West Java Province)coreStrategic or Co-development Partner · 1 January 2020West Java Provincial Government signed MoU with Infradigital's foundation for CSR HUB program to manage education CSR funds from industries for SMK (vocational high school) revitalization programs.
• PCNU SubangminorStrategic or Co-development Partner · 1 January 2020RMI PCNU Subang collaborated with Infradigital for socialization of Gerakan Membangun Pesantren Digital, attended by 98 pesantrens in Subang.
• Bank BCAcoreChannel Partner/ Reseller/ Distributor · 1 October 2019Bank BCA Virtual Account for education payment since October 2019. Available via Simcard Menu, KlikBCA Bisnis, KlikBCA Individual, and Setor Tunai.
• Bank PermatacoreChannel Partner/ Reseller/ Distributor · 1 September 2019Bank Permata ATM payment for education bills since September 2019. All types of school bills including SPP, infaq, registration, and book fees.
• Bank BRIcoreChannel Partner/ Reseller/ Distributor · 1 August 2019Bank BRI Virtual Account for education payment since August 2019.
• AlfamartcoreChannel Partner/ Reseller/ Distributor · 1 May 2019Alfamart (including Alfamidi and Dan+Dan) became the first partner in the retail channel for IDN in 2019. Alfamart opened 1,000 new outlets annually, reaching 14,846+ gerai nationwide. Became the largest retail partner in the IDN network as of 2019. Alfamart was the first to join the IDN network.
• KasprominorChannel Partner/ Reseller/ Distributor · 1 November 2018Kaspro app integrated IDN education payments since November 2018. Students from 70+ schools, universities, and tutoring centers can pay SPP, tutoring fees, and books.
• Bank BNI & BNI SyariahcoreChannel Partner/ Reseller/ Distributor · 1 October 2018Bank BNI Virtual Account for education payment since October 2018. Includes both conventional and sharia-compliant channels.
• Bank DanamonChannel Partner/ Reseller/ Distributor · 1 July 2018Bank Danamon Virtual Account for education payment since July 2018.
• Bank MandiricoreChannel Partner/ Reseller/ Distributor · 1 May 2018Bank Mandiri Virtual Account integration for education payment since May 2018. Parents can pay via Mobile Banking and Internet Banking.
• ATM BersamacoreChannel Partner/ Reseller/ Distributor · 1 May 2018ATM Bersama network enables IDN clients to pay education bills from any ATM in Indonesia since May 2018. Supports both ATM and mobile banking payments.
• IndomaretcoreChannel Partner/ Reseller/ Distributor · 1 January 2018Indomaret became one of the first retail payment points for IDN network. Starting from 2018, students from over 20 schools could pay SPP, book fees, and tutoring fees at Indomaret nearest stores. Accepts cash, debit cards, and credit cards.
• Mobile PulsaminorChannel Partner/ Reseller/ Distributor · 1 January 2018Mobile Pulsa app integrated IDN education payments since 2018. Available payment methods include Mobile Pulsa balance, Kredivo, and installment options.
• AEON FastcoreChannel Partner/ Reseller/ DistributorAEON Fast provides education financing/loan services integrated into the IDN platform, allowing parents to pay education costs in installments up to 36 months with easy KTP-based requirements. Min loan IDR 1,500,000, monthly income min IDR 3,000,000.
• DANAcoreChannel Partner/ Reseller/ DistributorDANA digital wallet integrated IDN education payments via the Bills menu under Pendidikan. Available for school, pesantren, university, and tutoring fees.
• AyopopminorChannel Partner/ Reseller/ DistributorAyopop app provides education payment options for IDN network with various payment methods including Alfamart, Ayopop balance, Agen 46 BNI, and Agen BTPN WOW.
• Magna Karsa Mulya (MKM)minorChannel Partner/ Reseller/ DistributorMKM is a switching and biller aggregator company providing additional payment channels for IDN education payments. MKM has extensive partnerships with banks, PLN, 152 city/regency PDAMs, and Telkom.

Scale indicators10 records

Recent moves8 records

Expansion highlights6 records

Emerging players

• Mekari: Indonesian SaaS suite (accounting, payroll, ERP) increasingly targeting SMEs including schools and foundations. Comparable as an Indonesian SMB software incumbent whose accounting/ERP modules partially overlap with KasFlow and PorDi.
• Quipper: Indonesian/SEA edtech platform serving schools with learning content, assessments, and school management tools. Comparable as an Indonesian school SaaS player, with potential overlap in school administration modules though more learning-focused than payments.

Broad incumbents

• Midtrans: Leading Indonesian payment gateway (GoTo group) aggregating cards, bank transfers, e-wallets, and retail for merchants across verticals. Comparable as a broader payment orchestration incumbent competing for the same channel partners and developer mindshare.
• Doku: One of Indonesia's largest payment gateways providing multi-channel payment infrastructure. Comparable as a broader incumbent in Indonesian payment orchestration, though not specialized in education like Infradigital.
• Xendit: Major Southeast Asian payment infrastructure provider with deep Indonesia coverage. Comparable as a multi-channel payment orchestration incumbent though broader in vertical scope than the education-only Infradigital.

Direct peers

• Dana Cita: Indonesian education installment financing platform for tuition and student fees. Directly comparable as it sits in the same education-fintech niche, offering installments to parents/students across Indonesian institutions.
• ErudiFi: Indonesia/Southeast Asia student loan fintech serving universities and vocational schools. Comparable as a digital education lending platform operating in Indonesia with school-level B2B partnerships.
• Duha Syariah: OJK-registered sharia-compliant education financing provider in Indonesia. Directly comparable to BMT Izzah Dana Nusantara and Infradigital's sharia-compliant payment/procurement layer; also an IDN technology integration partner.
• Pintek: Indonesian peer-to-peer education lending marketplace for tuition and school fees. Comparable to Infradigital's AEON Fast/Cicil financing layer and addresses the same student-loan underserved segment in Indonesia.
• Cicil: Indonesian fintech providing education financing for tuition, course fees, and student purchases. Directly comparable because it is an OJK/AFPI-supervised education lending platform integrated into the same IDN payment ecosystem as a financing partner.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/in/ian-mckenna-bb38a816
• Xx.com/jaringanidn

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds3 records

Investors8 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 Infradigital