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Author(s): Maesy Angelina, Nisa Fachry, Dalia Kuwatly and Rico Setiawan


For many street food vendors, small shop owners and thousands of micro-entrepreneurs across Indonesia, access to financial services that can help them to meet their needs often lies outside their reach. In Indonesia, micro-enterprises make up the majority of enterprises, with roughly 99 per cent of all enterprises being micro-enterprises. With the uptick in the number of financial technologies (fintech) in Indonesia, there are emerging opportunities that can aid the delivery of faster and more efficient services in developing countries. To promote resilience and growth within Indonesia’s unbanked micro-business sector and support the Government of Indonesia’s financial inclusion agenda, Pulse Lab Jakarta conducted a research project to understand the experiences of early fintech adopters among those enterprises