LinkAja risk score

LinkAja is a prominent mobile payments provider in Indonesia, operated by PT Fintek Karya Nusantara (Finarya), a subsidiary of several state-owned enterprises including notable entities like PT Telekomunikasi Selular (Telkomsel) and PT Mandiri Capital Indonesia. Officially licensed as an Electronic Money Issuer and Digital Financial Services Provider by Bank Indonesia according to the license No. 21/65/DKSP/Srt/B issued on February 21, 2019, LinkAja represents a major push towards accelerating non-cash transaction ecosystems and financial inclusion across diverse demographics in the country.

Since its inception on January 21, 2019, under the spirit of national synergy, Finarya has quickly grown into a strategic platform fueling the financial transactions for products offered by its parent companies. As part of its major initiatives, the company has implemented an Information Security Management System compliant with ISO/IEC 27001:2013, ensuring robust security and reliability of its operations, certified under certificate No IS 733702 issued on November 24, 2020. This commitment to security is pivotal, especially in handling the vast transactional access points spread across the network of the State-Owned Banks Association (Himbara).

Backed by Telkomsel, the largest mobile operator in Indonesia, and leveraging the extensive network of Himbara, LinkAja is uniquely positioned to serve the widespread transactional needs of the Indonesian populace. From daily financial transactions to innovative financial applications, LinkAja offers a comprehensive and inclusive platform.

Furthermore, Finarya's openness for strategic partnerships is evident with new shareholders such as Grab Pte. Ltd in October 2020 and PT Dompet Karya Anak Bangsa in March 2021, enhancing its capabilities and expanding its market reach. These alliances underscore its mission to ensure ubiquitous access to financial services, especially for the unbanked and underbanked segments of Indonesian society, hence driving forward national financial inclusion initiatives.