Home | Kredivo Group: Building Fast, Affordable and Accessible Financial Products

This Kredivo Social and Economic Impact Report marks Kredivo Group’s 10-year milestone and reflects on our contribution to expanding financial inclusion, impacting the livelihood of millions of Indonesian consumers, and supporting Indonesia’s economy. Drawing on qualitative and quantitative research, as well as secondary analysis of Kredivo’s internal data, the report assesses our impact on consumers, merchants, and the broader economy over the past decade. We hope this report provides valuable insights for stakeholders into the role of PayLater services in advancing financial inclusion, improving economic well-being, and supporting economic growth.

This report is jointly published by Kredivo Group and The Demographic Institute of the Faculty of Economics and Business, Universitas Indonesia (LD FEB UI).

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Our Vision

Kredivo Group is building the future of financial services: fast, affordable and widely accessible, wrapped up in a beautiful UX

Our Principles

Convenience

We obsess over simplicity and minimalism. We want to build products that are so easy to use that users love them.

Transparency

The financial industry thrives on hidden charges and complex fee structures. We’re here to change that through simple, transparent and honest pricing.

Access

Financial services should be available to all. We’re on a mission to build access to whoever has a mobile phone.

Our Products

Kredivo

Kredivo gives customers instant credit financing for ecommerce purchases and personal loans based on real-time decisioning. Buy now and pay later, or borrow with the lowest interest rate amongst all digital lenders in the country. For ecommerce merchants, Kredivo enables instant Point of Sale (PoS) financing with a unique and simple 2-click purchase option that makes buying a joy!
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KrediFazz

With lower interest than other similar service providers, KrediFazz offers customers the benefit of instant cash loans in a fast and easy way.
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Krom

With Krom, you can easily and conveniently manage your finances to reach your financial goals. Whether you’re saving for a down payment on a house, planning for retirement, or simply building an emergency fund, Krom can help you get there. You can carry out various banking activities easily, anytime and anywhere without the need to visit a branch office.

Open a Krom account today and start growing your money!
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Timo

Timo is Vietnam’s first and most widely recognised digital banking platform. Timo offers a full suite of retail banking services — including instant account opening, debit cards, savings, transfers, and embedded financial services — to a rapidly growing base of digitally native customers.
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