Aksesmu

What Aksesmu does

Aksesmu is a B2B wholesale digital platform operated by PT Sumber Trijaya Lestari, a wholly-owned subsidiary of Indonesian retail conglomerate PT Sumber Alfaria Trijaya (parent of the Alfamart convenience store chain). Founded in 2022 and headquartered at Alfa Tower in Tangerang, the company runs an Android-based mobile application that serves more than 200,000 registered Outlet Binaan Aksesmu (OBA) members and 140,000+ active warung and toko kelontong owners across 136 cities/regencies and 28 provinces in Indonesia. Distribution is supported by 350+ stock points, field sales (Member Relations) teams, and integration with Alfamart's network, enabling same-day delivery to micro-retailers in both urban and sub-district markets.

The platform bundles six core service modules into a single interface: Belanja (wholesale shopping with COD and free delivery), Bayar Tunda (buy-now-pay-later financing for inventory), Token & Pulsa (electricity token and mobile credit sales with merchant-set margins), Catatan Warung (bookkeeping with WhatsApp-integrated debt collection), Edukasi (business education), and Rekanan (supplier onboarding with API integration). Adjacent revenue and stickiness features include PPOB multi-bill payments, a Star loyalty program, and Perlindungan Usaha Warung, an embedded insurance product offering up to Rp100 million of coverage at a 0.15% premium through a partnership with WE+. Revenue is generated through wholesale transaction spreads, PPOB processing fees, financing income from Bayar Tunda, and supplier partnership/listing fees across 1,236 SKUs.

Go-to-market is product-led, anchored on word-of-mouth within the OBA member network, supplemented by community events (Temu Pedagang, Business Partner Gatherings, Factory Visits), social media (Instagram, Facebook, TikTok, YouTube, LinkedIn), and partnerships with government institutions (Kementerian UMKM RI), NGOs (BAZNAS), banks (BRI), insurers (WE+, CFI), and industry associations (APRINDO). Notable 2025-2026 milestones include recognition as Leading Newcomer Retailer by Global Sources Indonesia and the Paritrana Award from the Banten provincial government, and an announced AI integration initiative for process optimization.

Name

Aksesmu

Legal name

PT Sumber Trijaya Lestari

Website

https://aksesmu.id

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Aksesmu operates a B2B wholesale mobile platform serving over 200,000 Indonesian warung and small retailers across 136 cities, offering bulk procurement, deferred payment financing, PPOB services, bookkeeping, and embedded business insurance as a subsidiary of Alfamart.

Ownership category

akta.pro rank

Product category

B2B Wholesale Distribution

NAICS

Grocery and Related Product Merchant Wholesalers (4244), Other Commercial Equipment Merchant Wholesalers (42344)

akta.pro primary industry

Wholesale/B2B Generalist Marketplaces (CRAFAAAF)

akta.pro secondary industries

Membership Wholesale Clubs (B2B & B2B2C) (CRAEAEAB), Wholesale-to-Business Online Ordering (B2B Food E-Commerce) (AFAIAMAD)

Keywords

• B2B wholesale platform
• Warung distribution
• Mobile commerce
• Fintech services
• Supply chain

Headquarters

HQ city

Tangerang

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. B2B Product Sales (Wholesale): Aksesmu generates primary revenue through B2B wholesale product sales to warung owners. Warung proprietors order products through the mobile app and receive deliveries. The platform serves as a one-stop distribution channel connecting FMCG principals with over 200,000 micro retailers.
2. PPOB Transaction Fees: Revenue from processing mobile credit, electricity token, data package, and utility bill (PDAM, BPJS, TELKOM, insurance) payments. Members earn margins on each transaction processed.
3. Bayar Tunda (Deferred Payment Financing): Credit facility allowing warung owners to purchase inventory first and pay later. Generates revenue through financing costs with competitive rates for small business owners.
4. Supplier/Pemasok Partnerships: B2B supplier partnerships where principals pay for distribution services, market penetration, and promotional support through the Aksesmu platform network.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Aksesmu operates a B2B wholesale mobile application platform serving Indonesian warung and toko kelontong owners with bulk procurement and same-day free delivery. The platform integrates wholesale shopping (Belanja), electricity token and mobile credit sales (Token & Pulsa), deferred payment financing (Bayar Tunda), in-app bookkeeping (Catatan Warung), business education (Edukasi), and a supplier partnership network (Rekanan), connecting 200,000+ outlets with FMCG principals across 136 cities.

Product overview

Aksesmu is a unified B2B digital wholesale platform for Indonesian warungs (traditional small shops), accessible via Android mobile application. The platform integrates six core service modules: Belanja (wholesale shopping with promotions and free delivery), Token & Pulsa (electricity tokens and mobile credit sales), Bayar Tunda (deferred payment/BNPL financing), Catatan Warung (financial record-keeping with debt collection), Edukasi (business education and training), and Rekanan (B2B supplier partnership network). Additional services include the Star loyalty program, Perlindungan Usaha Warung (WE+-integrated business insurance), and PPOB (multi-bill payment services). The platform serves over 200,000 outlet members across 136 cities/regencies in Indonesia as a subsidiary of PT Sumber Alfaria Trijaya Tbk (Alfamart).

Differentiator

Problem solved

Functional benefit

Products and services

• Belanja (Wholesale Shopping) Wholesale shopping feature enabling warungs and toko kelontong to purchase 1,236+ FMCG and other product types at competitive wholesale prices, with promotional products, shopping list functionality, COD and Bayar Tunda payment options, and same-day free delivery.
• Token & Pulsa Digital recharging service enabling warungs to sell PLN electricity tokens, mobile phone credit (pulsa), data packages, and pay PDAM, BPJS, and TELKOM utility bills. Warung owners set their own profit margins and can self-print transaction receipts.
• Bayar Tunda (Deferred Payment / BNPL) Buy-now-pay-later service allowing warung owners to purchase inventory without upfront capital. Features include adjustable credit limits based on member needs and transaction history, low competitive financing costs, and an easy monthly repayment system.
• Catatan Warung (Financial Records) In-app bookkeeping tool enabling warung owners to record income, expenses, accounts receivable/payable, and generate financial reports. Includes WhatsApp-integrated debt collection reminder functionality.
• Edukasi (Business Education) Business education and training platform providing tips on financial management, retail best practices, and business development content accessible through the Aksesmu app and associated social media channels.
• Rekanan (Supplier Partner Program) B2B partnership platform connecting FMCG suppliers and UMKM producers with Aksesmu's nationwide member network. Offers market penetration, distribution efficiency, new product launch support, price control, B2B reporting, stock availability, distribution reach, API integration, and commission structures for B2B partners.
• Perlindungan Usaha Warung (Business Protection Insurance) Business protection insurance integrated through the WE+ platform, offering coverage up to Rp100 million for risks including fire damage, explosions, flooding, earthquakes, theft, and accidents. Coverage is activated through Aksesmu transaction activities at a premium of 0.15% of transaction value.
• Star Loyalty Program Member loyalty program where warung owners earn Stars for purchases, redeemable for products or services according to applicable terms and conditions.
• PPOB (Payment Point Online Banking) Payment point service enabling warungs to process various bill payments including BPJS, PDAM, telecommunications, life insurance, and game vouchers through the Aksesmu application.

Quantifiable outcome

• 200,000+ warung outlets served across Indonesia
• +4 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability1 record

Feature5 records

Partnerships

17 partnerships are on record, tiered strategic, minor, core and major.

• NoovoleumstrategicStrategic or Co-development Partner · 5 June 2026Collaboration for used cooking oil (minyak jelantah) management education and collection. Noovoleum's UCollect Box technology integrated with Aksesmu app to enable environmental sustainability from warung ecosystem.
• Kemitraan Ayam Gepuk Pak GembusstrategicChannel Partner/ Reseller/ Distributor · 19 May 2026Supply partnership for franchise outlet inventory through Aksesmu platform, enabling integrated procurement for Pak Gembus franchise network.
• PT Paragon Technology and InnovationminorGTM or Marketing Partner · 11 May 2026Business Expo participation for Paragon employee retirement preparation program, showcasing warung business opportunities and Aksesmu digital solutions.
• PT Cipta Insan AktifminorGTM or Marketing Partner · 24 April 2026Collaboration for Business Expo Training MPP event for PT Yakult employees preparing for retirement, introducing warung business opportunities through Aksesmu platform.
• AFK (Asosiasi Futsal Kota Tangerang)minorGTM or Marketing Partner · 18 April 2026Co-organization of Aksesmu Cup 2026 mini soccer tournament. AFK provides event management expertise while Aksesmu sponsors youth sports development.
• PSSI (Persatuan Sepak Bola Seluruh Indonesia)minorGTM or Marketing Partner · 18 April 2026PSSI endorsement and support for Aksesmu Cup 2026 youth soccer tournament, lending credibility to the sports development initiative.
• WE+ (PT Kita Indonesia Plus)coreStrategic or Co-development Partner · 11 March 2026Collaboration to provide Perlindungan Usaha Warung (Warung Business Protection) program offering up to Rp100 million protection for warung owners, integrated directly into Aksesmu app transactions. Insurance premium at 0.15% of transaction value.
• BAZNAS (Badan Amil Zakat Nasional)coreStrategic or Co-development Partner · 2 March 2026ZMART program partnership where Aksesmu serves as facilitator for supply of goods to warung owned by ZMART beneficiaries. Supports financial inclusion and economic empowerment for underprivileged communities.
• APRINDO Holding UMKMstrategicGTM or Marketing Partner · 22 December 2025Business matching participation in Holding UMKM Expo 2025, connecting curated UMKM with retail businesses for sustainable partnership opportunities.
• APRINDO (Asosiasi Pengusaha Ritel Indonesia)strategicGTM or Marketing Partner · 11 December 2025Aksesmu as member of APRINDO participates in humanitarian disaster relief efforts and business matching programs for UMKM empowerment.
• Kementerian Koordinator Bidang Infrastruktur dan Pembangunan Kewilayahan (Kemenko IPK)strategicGTM or Marketing Partner · 11 December 2025Coordinated disaster relief efforts for Sumatra regions affected by natural disasters. AHY (Agus Harimurti Yudhoyono) symbolically launched relief convoy from APRINDO members including Aksesmu.
• Fakultas Ilmu Administrasi Universitas Indonesia (FIA UI)strategicStrategic or Co-development Partner · 9 December 2025Joint Focus Group Discussion (FGD) research collaboration to understand warung owner technology adoption, gather insights for service improvement, and support academic research on micro business ecosystems.
• PT Capital Financial Indonesia Tbk (CFI)majorStrategic or Co-development Partner · 2 December 2025AKSABILITAS program supporting warung owners with physical disabilities through sustainable financial action plans. Provides capital assistance in the form of inventory and business assets.
• PT Ultra Prima Abadi (OT)minorGTM or Marketing Partner · 19 November 2025Factory Visit program hosting Aksesmu members at OT's Jombang facility to see production of Tango, Fullo, and Imperial products. Builds product confidence and brand loyalty.
• Kementerian UMKM RImajorGTM or Marketing Partner · 26 August 2025Government ministry support for Aksesmu's warung empowerment initiatives. Deputi Bidang Usaha Mikro officially opened Temu Pedagang Aksesmu 2025 event at Ecovention Ancol.
• PT Bank Rakyat Indonesia (BRI)majorGTM or Marketing Partner · 20 May 2025Joint financial literacy programs for warung members. BRI provides financial solutions training while Aksesmu facilitates access to the warung network.
• PT Sumber Alfaria Trijaya Tbk (Alfamart)coreOthers · 12 February 2022Parent company relationship. Aksesmu operates as a subsidiary of PT Sumber Alfaria Trijaya Tbk (Alfamart), leveraging the parent company's extensive retail supply chain expertise, infrastructure, and brand credibility in the Indonesian market.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• GrabKios: Agent-based platform from Grab serving Indonesian warung owners with digital services including PPOB, bill payment, and merchandise procurement. Overlaps directly with Aksesmu's wholesale and PPOB offerings.
• Ula: Indonesia and India B2B e-commerce platform focused on small retailers, offering wholesale procurement, credit, and logistics. Comparable B2B marketplace + embedded fintech model targeting similar micro-retail customer base.
• Mapan: Indonesian warung empowerment network combining agent services, PPOB, and small-business support. Competes with Aksesmu in the same warung segment with comparable B2B2C distribution and digital financial services.
• Warung Pintar: Indonesian B2B platform providing warung owners with digital procurement, financing, and POS tools. Most direct competitor to Aksesmu in serving micro-retail with wholesale + fintech layered services.
• Nadi (by Indofood/Salim Group): Warung distribution and digital service platform backed by Salim Group/Indofood. Direct competitor in B2B supply to warungs with FMCG principal backing comparable to Aksesmu's Alfamart relationship.
• BukuWarung: Indonesia-focused digital bookkeeping and fintech app for warung and small merchants. Comparable in serving the same warung customer base with financial-record and credit products that overlap Aksesmu's Catatan Warung and Bayar Tunda.

Emerging players

• Moka (by GoTo): Cloud-based POS system used by Indonesian SMEs including warungs. Adjacent competitor in warung digital tooling, with overlap in transaction data and merchant services but focused on POS rather than wholesale distribution.
• Pawoon: Indonesian POS and payment solution provider for SMEs including small retail. Overlaps with Aksesmu in serving the same warung segment with digital transaction tools, though narrower in product scope.

Broad incumbents

• Mekari: Leading Indonesian B2B SaaS suite (accounting, payroll, POS, CRM) for SMEs. Comparable in bringing digital tooling to Indonesian small businesses, but with broader scope and different monetization than Aksesmu's wholesale-led model.

Others

• Alfamart (PT Sumber Alfaria Trijaya): Parent company and Indonesia's largest convenience store chain. Sister entity rather than competitor — but its nationwide retail footprint, supply chain, and FMCG principal relationships are the foundation Aksesmu leverages for distribution and supplier access.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@aksesmu
• Facebookfacebook.com/Aksesmu
• LinkedInlinkedin.com/company/pt-sumber-trijaya-lestari
• Instagraminstagram.com/aksesmu.official
• TikToktiktok.com/@aksesmu.official

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Aksesmu