JULO

Overview

JULO (PT JULO Teknologi Finansial) is an Indonesian financial technology company founded in 2016 and based in Jakarta. It focuses on providing accessible digital credit solutions, particularly for underserved and underbanked populations in Indonesia. The company offers unsecured personal loans, pay-later options, and bill payment facilities through its mobile application, enabling instant fund disbursement within 10 minutes through efficient data-driven credit underwriting.

Aiming to promote financial inclusion, JULO delivers responsible and transparent credit products while advancing financial literacy. With over 10 million app downloads and more than 2 million customers, it is developing into a comprehensive financial super app, adding features for e-commerce and financial education. The organization is licensed by Indonesia’s Financial Services Authority (OJK), supported by notable investors, and has received multiple innovation awards in the fintech sector.

Basic Information

Contact Details

• Phone: +62 822 11127334
• Website: julo.co.id
• LinkedIn: linkedin.com/company/juloindonesia

Key Focus Areas & Initiatives

• Loan services
• Credit scoring
• Financial inclusion
• Fintech innovation
• Digital lending
• Machine learning-driven underwriting
• Pay-later solutions
• Personal loans
• Bill payment platform
• Data-driven risk evaluation
• Responsible lending
• Financial literacy programs
• Mobile app-based financial services
• Quick fund disbursement
• Credit approval technologies
• Risk management
• Regulatory compliance (OJK)
• E-wallet top up and payments
• Comprehensive financial super app development
• Customer-centric approach
• Innovative fintech partnerships

Technologies Used

• AI
• Gmail
• Google Apps
• React
• Sendgrid

Affiliated Organizations & Regional Branches