iAPPS Mobile Technology

What iAPPS Mobile Technology does

iAPPS Mobile Technology (iAPPS Pte Ltd) is a Singapore-headquartered fintech and mobile platform company founded in 2012 by Lilian Koh. The company builds and operates a portfolio of purpose-built mobile platforms and applications spanning consumer fintech, government citizen services, agri-supply chain traceability, and telehealth. Its core platforms include SLIDE, a fintech mobile platform offering e-wallet, bill payment, prepaid mobile top-up, local and cross-border remittance, e-commerce, and instant messaging targeted at migrant workers and unbanked communities; AgriON, a blockchain-powered platform for sustainability scoring, traceability, and financing of agricultural supply chains (notably oil palm smallholders); HeartVoice, a telehealth joint venture with OMRON Healthcare offering remote patient monitoring and teleconsultation; and Aby, an eCommerce hub service for food and health merchants. The company also delivers sector-specific consumer apps for Singapore statutory boards, including ActiveSG for Sport Singapore (serving 1.8 million users), MyWaters for PUB (Public Utilities Board), and sParks for NParks (National Parks Board), as well as the Resident Concierge property management app developed jointly with Eleappz.

The underlying technology stack combines mobile application development across iOS, Android, and web with distributed ledger technology (DLT) capabilities, including integration into IBM Blockchain World Wire (Stellar-based) for cross-border payments and FX, and a three-layer DLT architecture for SME KYC and small business financing. iAPPS generates revenue through a mix of transaction fees from SLIDE and AgriON payment and financing flows, subscription and recurring fees for the Aby eCommerce platform, custom platform development and professional services for enterprise and government clients under multi-year contracts, and OEM/embedded integrations with banking and technology partners such as MUFG Bank, IBM, OMRON, and Musim Mas. The company reports 50-plus clients and partners, 1.3 million in-app users, and 25,000 daily transactions, and operates from offices in Singapore, Malaysia, Indonesia, and China, serving markets including Singapore, Indonesia, Malaysia, Myanmar, the Philippines, and China.

The go-to-market blends direct enterprise and government field sales (for statutory board and bank contracts) with partner-led distribution (via MUFG, Danamon, Musim Mas, and OMRON) and self-service consumer distribution through app stores and web platforms. Strategic ownership reflects founder Lilian Koh's continued leadership as Group CEO and Chairman, with a minority strategic stake held by MUFG Innovation Partners Co., Ltd. (MUIP), the corporate venture arm of Japan's Mitsubishi UFJ Financial Group, acquired in September 2019 as MUIP's first Southeast Asia investment. The company is actively raising Series B capital to fund regional expansion and product scaling.

Name

iAPPS Mobile Technology

Legal name

iAPPS Pte Ltd

Website

https://iappsasia.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

iAPPS Mobile Technology is a Singapore-based fintech and mobile platform company that builds SLIDE (remittance/e-wallet), AgriON (agri-supply chain blockchain), HeartVoice (telehealth with OMRON), and government citizen apps, serving banks, statutory boards, and unbanked migrant workers across Southeast Asia.

Ownership category

akta.pro rank

Product category

Mobile Fintech Platforms

NAICS

Software Publishers (5132), Computer Systems Design and Related Services (54151)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Services-Prepackaged Software (7372)

akta.pro primary industry

Super-App Wallets & Mini-Program Payments (FSAMAEAE)

akta.pro secondary industries

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)

Keywords

• Mobile payment solutions
• Fintech mobile platforms
• Cross-border remittance
• Blockchain payments
• Mobile app development

Headquarters

HQ city

Bukit Merah

HQ country

Singapore

HQ region

Asia

Offices5 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Fintech Platform Services: Transaction and service fees from e-wallet, remittance, and payment services on the SLIDE platform. Revenue generated from money transfers, bill payments, and e-Commerce transactions.
2. Mobile App Development Services: Custom mobile application development and platform solutions for enterprise clients including government agencies and financial institutions.
3. AgriON Platform Services: Financial services platform providing loans disbursement, sustainability scoring, and cashless payments for agricultural supply chain participants. Revenue from transaction processing and platform fees.
4. Aby eCommerce Hub Services: eCommerce platform services including online merchandising, product bundling, multi-channel sales management, and social media marketing services for food and healthcare businesses.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels4 records

Core offering

iAPPS Mobile Technology designs, develops, and operates proprietary mobile software platforms for fintech, agricultural supply chains, telehealth, and citizen-engagement use cases. Its core offering is the SLIDE mobile fintech platform that delivers e-wallet, bill payment, prepaid top-up, local and cross-border remittance, eCommerce, and instant messaging to migrant workers and unbanked communities across Southeast Asia. Beyond SLIDE, the company builds and operates blockchain-based platforms (AgriON, GreenON), a telehealth platform (HeartVoice, joint-ventured with OMRON Healthcare), an eCommerce platform (Aby), and customized apps for Singapore government agencies.

Product overview

iAPPS is a fintech company offering a portfolio of mobile platforms and applications. Its core products include SLIDE (fintech mobile platform for remittance and payments), Aby (eCommerce Platform for food and health supply chains), AgriON (blockchain-powered agricultural fintech platform), and HeartVoice (telehealth platform joint venture with OMRON). The company also delivers sector-specific applications including sParks (park exploration with NParks), MyWaters (water services with PUB), and Resident Concierge (condo facility management). GreenON, developed with MUFG and AIDF, is a sustainability credentialing service for agri-producers. The architecture is platform-based with SLIDE handling financial services, Aby supporting eCommerce operations, and specialized apps for government and enterprise clients.

Differentiator

Problem solved

Functional benefit

Brands

• SLIDE: Fintech mobile platform providing e-wallet, bill payment, prepaid mobile top-up, local money transfers, cross-border remittance, e-commerce, overseas delivery, and instant messaging services
• AgriON
• GreenON
• HeartVoice
• Aby
• RConcierge
• sParks
• MyWaters

Products and services

• SLIDE SLIDE is iAPPS's comprehensive fintech mobile platform that delivers e-wallet, bill payment, prepaid mobile top-up, local and cross-border money transfers, e-commerce, overseas delivery, and instant messaging services. It is targeted at migrant workers and unbanked or underbanked communities across Southeast Asia who lack access to traditional banking.
• Aby eCommerce Platform Aby is an open eCommerce platform and hub service designed to accelerate digital food and health essential supply chains. It provides a central product catalogue, multiple-store management, shopping cart, telemedicine integration, CRM, order management, wallet payments, AI chatbot and data analytics. It targets wholesale and retail food businesses, healthcare providers, educators, and home-based businesses that need multi-channel selling across Lazada, Shopee, and Qoo10.
• AgriON AgriON is iAPPS's blockchain-powered fintech platform that enables farmers, food traders, and NGOs with data-driven insights for sustainable agricultural practices. It provides sustainability scoring, loan disbursement, crop monitoring, cashless payments, and traceability across the agri-food supply chain and is used in the palm oil sector by independent smallholders and partners including Musim Mas, MUFG Bank, Bank Danamon, and Unilever.
• HeartVoice Telehealth Platform HeartVoice is a telehealth platform joint-ventured between iAPPS and OMRON Healthcare that offers remote patient monitoring via Bluetooth-enabled medical devices, kiosk-based vital signs capture, teleconsultation with integrated appointment booking, medication delivery, and secure payment gateway. It is targeted at GPs, specialists, and clinics in Singapore and was extended free-of-charge to all healthcare providers during COVID-19.
• sParks sParks is a park exploration mobile application developed by iAPPS in collaboration with NParks that provides location-based access to information about parks, nature reserves, upcoming events, park connectors, and nearby amenities with PCN map views. It targets park visitors in Singapore.
• MyWaters MyWaters is a mobile application developed by iAPPS for PUB, Singapore's national water agency. It provides flash flood updates from CCTV images, weather forecasts, water-related event information, facility bookings, and e-Services payments, and is targeted at Singapore residents.
• Resident Concierge (RConcierge) Resident Concierge is a condo facility booking mobile application developed by iAPPS as a joint venture with Eleappz that enables condominium residents to make facility bookings, receive notifications from management, and submit enquiries. It serves residential properties including Horizon Gardens, Chesterville, Pandan Valley, and The Paradise.
• GreenON GreenON is a digital service that provides transparency and accountability for sustainability efforts of companies and agri-producers in Asia's food and agricultural sectors by listing green credentials. It was developed in partnership with MUFG Bank, the Asian Institute of Digital Finance (AIDF), and CriAT.
• ActiveSG App ActiveSG is the sports booking and payment application developed by iAPPS with Sport Singapore, enabling booking of sports facilities, community engagement, and payment services across Singapore. It serves approximately 1.8 million users.

Named customers9 records

Segments7 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability3 records

Feature6 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• MUFG Bank, Ltd.coreStrategic or Co-development Partner · 9 November 2021MUFG Bank, Asian Institute of Digital Finance (AIDF), CriAT, and iAPPS-FundON jointly developing 'GreenON', a digital service providing transparency and accountability of sustainability efforts in Asia's food and agricultural sectors.
• Musim Mas GroupcoreStrategic or Co-development Partner · 29 June 2021Joint collaboration to promote financial inclusion among independent oil palm smallholders. Musim Mas, MUFG Bank, Danamon, and iAPPS jointly implement the AgriON platform for smallholders enrolled in Musim Mas's smallholders programme.
• IBMcoreTechnology or Integration · 18 March 2019iAPPS joined IBM Blockchain World Wire, a real-time global payments network for regulated financial institutions built on the Stellar public protocol. This enables iAPPS to offer cross-border payments, foreign exchange, and access to digital assets including stable coins and cryptocurrency.
• OMRON Healthcare Co., Ltd.coreStrategic or Co-development PartnerHeartVoice is a joint venture between iAPPS and OMRON Healthcare, combining iAPPS's technology and booking/payment expertise with OMRON's medical devices (blood pressure monitors) for telehealth solutions.
• Digital Industry Singapore (DISG)coreStrategic or Co-development PartnerDISG (joint office of Singapore government: EDB, Enterprise Singapore, IMDA) supported iAPPS's product development, sustainability solutions, and international expansion efforts including market studies and trade fair participation.
• National University of Singapore (NUS)minorStrategic or Co-development PartnerNUS Risk Management Institute collaborated with iAPPS to develop the sustainability scoring system for the AgriON platform.
• Sport SingaporecoreStrategic or Co-development PartnerLong-standing collaboration with Sports Singapore providing booking and payment services to over 1.8 million users through ActiveSG platform.
• PUB (Public Utilities Board)coreStrategic or Co-development PartnerPUB, Singapore's national water agency, partnered with iAPPS to develop the MyWaters app providing water-related services to Singapore residents.
• NParks (National Parks Board)coreStrategic or Co-development PartnerNParks entrusted iAPPS to create the sParks mobile application for park visitors providing location-based information about Singapore's parks and nature reserves.
• HitachiminorOthersTechnology partner listed in iAPPS portfolio of partners.
• EleappzminorStrategic or Co-development PartnerJoint venture partner for Resident Concierge mobile application development.

Scale indicators11 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• GCash (Globe Fintech Innovations): Philippines' leading e-wallet and mobile payments super-app serving unbanked and migrant worker populations. Closely comparable to iAPPS SLIDE's wallet, bill payment, and remittance use case for Filipino domestic workers in Singapore.
• Remitly Global: US-listed cross-border remittance platform with strong Philippines–Singapore and Indonesia corridors. Directly comparable to SLIDE's remittance wedge for migrant domestic workers and competes for the same user wallet.
• Xendit: Indonesia-headquartered payment infrastructure provider for Southeast Asia, offering APIs for e-wallets, virtual accounts, and disbursements. Comparable infrastructure-layer fintech play to iAPPS's SLIDE and Aby platforms across the same geographies.
• Wise (TransferWise): Global cross-border payments and multi-currency account platform. Comparable to iAPPS's IBM Blockchain World Wire-enabled remittance and FX offering for cross-border migrant and SME payments.
• DANA Indonesia: Indonesian digital wallet focused on payments for unbanked consumers and small merchants. Comparable super-app wallet positioning to iAPPS SLIDE in Indonesia and operates on similar embedded-finance rails.
• OVO (PT Visionet Internasional): Major Indonesian digital wallet with embedded payments and merchant services. Comparable to iAPPS in the regional digital-wallet category and overlapping on Indonesia's unbanked and migrant-worker segments.

Emerging players

• FinAccel (Kredivo): Indonesia-focused fintech providing digital credit, payments, and embedded finance for underserved consumers. Comparable to iAPPS's SME financing and unbanked financial inclusion thesis in the same Indonesia corridor.

Broad incumbents

• Ant Group (Alipay+): China-based global digital payments and embedded finance platform with regional super-app wallet ambitions. Comparable to iAPPS in cross-border wallet interoperability, but at vastly larger scale and capital base.
• Grab (Grab Holdings): Singapore-headquartered super-app operating GrabPay wallet, GrabFin, and remittance services across Southeast Asia. Directly comparable to iAPPS in the regional super-app wallet and digital payments space, but with materially larger scale and broader verticals.
• GoTo Group (GoPay): Indonesian super-app combining GoPay e-wallet, Gojek mobility, and Tokopedia e-commerce. Comparable to iAPPS's SLIDE super-app wallet ambition and the migrant-worker remittance corridor iAPPS targets in Indonesia.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/watch?v=dATwfG1PTms
• Xx.com/iappsasia
• LinkedInlinkedin.com/company/iapps-mobile-technology

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

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 iAPPS Mobile Technology