Pintar Ventura Group

What Pintar Ventura Group does

Pintar Ventura Group (PVG) is an Indonesian fintech builder and venture studio founded in 2020 and headquartered in Jakarta's SCBD financial district. The company develops and operates digital financial tools targeted at Indonesia's roughly 64.2 million micro, small, and medium enterprises (MSMEs), of which approximately three-quarters remain non-digitized. Its two flagship products are Posy, a mobile point-of-sale (mPOS) application offering bookkeeping, product management, and digital payment acceptance, and Klikoo, a B2B bill payment application featuring what PVG claims is Indonesia's first Payment Point Online Bank (PPOB) marketplace. Alongside these products, PVG operates a venture studio model that ideates, invests in, and scales fintech startups from pre-seed through Series A, with approximately $2.71 million reportedly deployed across five portfolio projects and about $4 million invested in research and development cumulatively.

PVG generates revenue primarily through transaction processing fees on Posy and Klikoo and through commissions from its PPOB marketplace. The company distributes both products as self-serve mobile apps aimed at street agents and small merchants, supported by a model that emphasizes rapid product experimentation — reportedly testing two to four product hypotheses per month — and partnerships with Indonesian banks, global fintechs, European venture capital firms, and ultra-high-net-worth individuals. According to PVG disclosures, more than 80,000 MSMEs use its products, transaction volumes exceed $2 million per month, and the business achieved over 3x growth in 2022.

The company is led by CEO and co-founder Vladislav Ayukaev, supported by Chief Business Development Officer Januar Parlindungan (formerly with CIMB Niaga, StubHub, and Klook), PMO Andreas Christianto (joined 2022; previously Ernst & Young and Ancol), and Tech and Product Lead Edwin Krisnha. PVG employs roughly 60 to 100 professionals across finance, technology, analysis, and marketing, and has been featured in more than 20 Indonesian and international media outlets including Forbes, CNBC Indonesia, Daily Social, Jawa Pos, and Bisnis.com. No parent company, external institutional investors, or publicly disclosed funding rounds have been documented in the available input.

Name

Pintar Ventura Group

Legal name

Pintar Ventura Group

Website

https://pvg.co.id

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

51–100 employees

Short description

Pintar Ventura Group is an Indonesian fintech builder founded in 2020 that develops mobile POS (Posy) and bill payment (Klikoo) applications serving more than 80,000 Indonesian MSMEs and street agents, and operates a venture studio investing in early-stage fintech startups.

Ownership category

akta.pro rank

Product category

Mobile Payments and Fintech for MSMEs

NAICS

Computer Systems Design and Related Services (54151)

akta.pro industry

PRIMARYFSAGABAO

POS, SoftPOS & In-Person Acceptance Infrastructure

Financial & Insurance/Financial Technology (Fintech)/Payment Orchestration & Fintech Infrastructure (APIs, Issuing, Processing)

SECONDARYFSAMADAB

mPOS & SoftPOS (Tap-to-Phone) Solutions

Financial & Insurance/Payments & Transaction Processing/Point-of-Sale (POS) Payments & Terminals

Keywords

• Mobile point-of-sale
• MSME fintech solutions
• PPOB bill payments
• Venture studio builder
• Digital payment processing

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Supply Chain

Revenue model

1. Transaction Processing: PVG processes millions of transactions monthly through its POS and bill payment applications, generating revenue through transaction fees from MSME customers.
2. PPOB Marketplace Commission: First PPOB marketplace in Indonesia earns commissions from facilitating bill payments and financial services for MSMEs.
3. Startup Investment Returns: As a venture studio, PVG invests in startups at pre-seed, seed, and Series A stages, seeking investment returns through portfolio company growth and exits.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels2 records

Core offering

Pintar Ventura Group is a Jakarta-based fintech builder and venture studio that develops and scales mobile software products for Indonesian MSMEs. Its two flagship offerings are Posy, a mobile point-of-sale (mPOS) application for bookkeeping, product management and digital payment acceptance, and Klikoo, a B2B bill-payment application built on Indonesia's first PPOB marketplace. PVG also operates a venture-studio model that ideates, invests in and scales fintech startups targeting Indonesian small businesses.

Product overview

Pintar Ventura Group operates as a fintech builder providing two main digital products for Indonesian MSMEs: Posy (mobile POS and bookkeeping solution) and Klikoo (bill payment and PPOB marketplace app). Posy handles point-of-sale transactions, product management, and digital payments for street agents and small merchants, while Klikoo offers a B2B bill payment platform with the first integrated PPOB marketplace in Indonesia. Together, these products address the payment and financial management needs of Indonesia's underserved MSME sector, processing millions of transactions monthly across the country.

Differentiator

Problem solved

Functional benefit

Brands

• Posy: Mobile POS app providing easy and affordable POS solutions for MSMEs, including bookkeeping, managing products and accepting digital payments.
• Klikoo

Products and services

• Posy Mobile point-of-sale (mPOS) application for Indonesian MSMEs that combines bookkeeping, product management and digital payment acceptance. Targets street agents and small merchants who need an easy and affordable POS solution.
• Klikoo Bill-payment B2B application featuring Indonesia's first PPOB marketplace, enabling small businesses and street agents to offer bill-payment services with almost zero risk.

Quantifiable outcome

• 80,000+ MSME customers served
• +2 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Leading Banks (Indonesia)coreStrategic or Co-development PartnerPVG maintains connections with leading banks in Indonesia as part of their fintech ecosystem, enabling payment processing and financial service integrations.
• Global FintechscoreStrategic or Co-development PartnerPartnerships with global fintech companies to bring international expertise and technology to Indonesian MSMEs.
• Fortune 500 Company Executives (Mentors)minorOthersMentorship from founders and top managers of Fortune 500 companies providing strategic guidance to PVG portfolio companies.

Scale indicators10 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• iSeller: Indonesia-based integrated POS and business management solution for retail, F&B, and service SMEs. Comparable in product functionality and target customer base to PVG's Posy.
• Qasir: Indonesian mobile POS app targeting small retailers with a free plan and bookkeeping features. Directly comparable to Posy in product scope and target segment.
• Majoo: Indonesian SaaS POS and business management platform for SMEs, including payments, inventory, and accounting. Direct competitor to Posy in the Indonesian SME POS segment.
• Kasir Pintar: Indonesian mobile POS and cashier app built specifically for small merchants and street sellers. Directly competes with PVG's Posy on the same un-digitized MSME segment with a near-identical product-led, mobile-first approach.
• Pawoon: Mobile POS platform targeting Indonesian small merchants, with multi-outlet management and integrated payments. Competes head-to-head with PVG's Posy in the same MSME POS category.
• Moka (GoTo subsidiary): Indonesia-based mobile/cloud POS for retail and F&B SMEs, now part of GoTo. Overlaps directly with Posy on smartphone POS, payments acceptance, and merchant reporting for Indonesian MSMEs.
• BukuKas: Indonesia-focused bookkeeping and cash-flow management app for micro and small businesses. Closely overlaps with PVG's MSME financial management and bookkeeping functionalities alongside Posy.

Emerging players

• Mekari: Indonesian cloud business software suite for SMEs covering accounting, payroll, and finance. Adjacent fintech-infrastructure player competing partly with PVG's bookkeeping and MSME financial management features.

Broad incumbents

• DANA: One of Indonesia's leading digital wallets and merchant payment platforms. Overlaps with Klikoo and Posy at the payment-acceptance layer for MSME merchants nationwide.
• GoTo / GoPay: Indonesia's largest super-app and digital payments ecosystem including GoPay and the Moka POS network. Competes with both Klikoo and Posy by bundling payments, POS, and merchant services at significantly larger scale.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/pvgrp

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

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 Pintar Ventura Group