Akulaku is an AI-enabled, digital-native financial technology group dedicated to shaping the future of finance in Southeast Asia. By combining advanced technology with deep local market expertise, we deliver accessible, secure, and intelligent financial services that empower millions of consumers and businesses across the region.
Today, Akulaku serves more than 83 million users across Indonesia, the Philippines, Thailand and other Southeast Asian markets. As one of the region's leading digital consumer finance platforms—and the largest independent digital consumer financial services provider in Southeast Asia by revenue in 2025—we are expanding access to financial services and helping customers improve their financial well-being.
We aspire to be the lifelong financial partner for Southeast Asia's next-generation consumers—supporting them at every stage of their financial journey, from inclusion to advancement. Through continuous innovation, responsible finance, and technology, we are building a more inclusive and sustainable financial future for the region.
Digital lending is the foundation of our business and a key entry point to our broader financial ecosystem. Through BNPL and cash-based lending products, we provide flexible financing solutions that support customers across a wide range of everyday needs and consumption scenarios.
Building the next generation of digital banking. Through Bank Neo Commerce and Own Bank, we offer seamless digital banking services, including savings, payments, and financial management solutions, enabling users to manage their finances anytime, anywhere.
Powering smarter financial services through data and AI. Our proprietary data-driven AI architecture transforms large-scale transaction data into actionable intelligence and real-time automated decisions, strengthening risk management, improving operational efficiency and delivering better customer experiences.
Digital lending is the foundation of our business and a key entry point to our broader financial ecosystem. Through BNPL and cash-based lending products, we provide flexible financing solutions that support customers across a wide range of everyday needs and consumption scenarios.
Building the next generation of digital banking. Through Bank Neo Commerce and Own Bank, we offer seamless digital banking services, including savings, payments, and financial management solutions, enabling users to manage their finances anytime, anywhere.
Powering smarter financial services through data and AI. Our proprietary data-driven AI architecture transforms large-scale transaction data into actionable intelligence and real-time automated decisions, strengthening risk management, improving operational efficiency and delivering better customer experiences.
Digital lending is the foundation of our business and a key entry point to our broader financial ecosystem. Through BNPL and cash-based lending products, we provide flexible financing solutions that support customers across a wide range of everyday needs and consumption scenarios.
Building the next generation of digital banking. Through Bank Neo Commerce and Own Bank, we offer seamless digital banking services, including savings, payments, and financial management solutions, enabling users to manage their finances anytime, anywhere.
Powering smarter financial services through data and AI. Our proprietary data-driven AI architecture transforms large-scale transaction data into actionable intelligence and real-time automated decisions, strengthening risk management, improving operational efficiency and delivering better customer experiences.
Digital lending is the foundation of our business and a key entry point to our broader financial ecosystem. Through BNPL and cash-based lending products, we provide flexible financing solutions that support customers across a wide range of everyday needs and consumption scenarios.
Building the next generation of digital banking. Through Bank Neo Commerce and Own Bank, we offer seamless digital banking services, including savings, payments, and financial management solutions, enabling users to manage their finances anytime, anywhere.
Powering smarter financial services through data and AI. Our proprietary data-driven AI architecture transforms large-scale transaction data into actionable intelligence and real-time automated decisions, strengthening risk management, improving operational efficiency and delivering better customer experiences.
Media Asuransi
Digital Financial Excellence Award (Multifinance Technology Category)
2023
Forbes
World's Best Banks
2023
Lembaga Penjaminan Simpanan (LPS)
Most Active Bank in Financial Literacy Activities
2023
ATM Bersama
The Best Issuer ATM Bersama
2023
Wartaekonomi
Best Digital Finance Award
2023
Caixin Global
Asian New Economy Pioneers Award (Certificate of Honor for Empowering Services)
2024
Forbes
World's Best Banks
2024
Infobank
The Best Digital Bank in Customer Loyalty
2024
Jawa Pos
Most Popular Brand of The Digital Bank
2024
Infobank
Top Rank Digital Bank
2024
Investortrust
The Best Digital Bank in Customer Dimension
2024
Jaringan Prima
Best System Availability
2024
CNBC
World's Top Fintech Companies
2025
Infobank
The Highest Digital Index Award – Multifinance Company
2025
Disway Media
The Most Popular Financial Services
2025
InvestorTrust
Financial Inclusion & Literacy Outreach Award
2025
Top Brand and Frontier Group
Top Brand in Fintech Financing
2025
Infobank
The Best Digital Bank
2025
2024
Our Thailand joint venture business (Akulaku X) began scaling up operations.
2025
We achieved our first full year of Non-IFRS adjusted profitability.
Founder & Chief Executive Officer
William Li is the Founder and Chief Executive Officer of Akulaku Group. He founded the Group in 2014 and has led its development into a digital financial services platform serving more than 83 million users across Southeast Asia. Under William's leadership, Akulaku has built an integrated financial ecosystem spanning digital lending, digital banking and other financial services, with a focus on leveraging technology to broaden access to financial services across the region. Prior to founding Akulaku, William worked as an investment manager at Ping An Insurance (Group) Company from 2009 to 2012. He holds a Bachelor of Laws from Tsinghua University and a Master of Laws from Washington and Lee University.
Co-founder & Chief Technology Officer
Gordon Hu is the Co-founder and Chief Technology Officer of Akulaku Group. He has played a key role in building the Group's technology capabilities and supporting the development of its digital financial services across Southeast Asia. Prior to co-founding Akulaku, Gordon held technology roles at CITIC Securities, Huatai Securities and Tencent, bringing experience in software engineering and technology development to the Group. Gordon holds a Bachelor of Science in Physics from Sun Yat-Sen University and a Master of Science in Computer Science from the University of Liverpool.
Chief Financial Officer
Fan Zhang is the Chief Financial Officer of Akulaku Group. Since joining the Group in 2020, he has been responsible for its overall financial strategy and management, including investment, financing and financial risk management. Fan has led the financial planning and execution of major equity financing transactions and capital management initiatives. He has also overseen the enhancement of the Group's financial governance and management reporting, while providing strategic financial advice to the Board. Fan holds a Bachelor of Science in Economics from the Wharton School of the University of Pennsylvania and a Master of Business Administration from the Leonard N. Stern School of Business at New York University.
To promote financial inclusion in emerging markets through empowering consumers and MSMEs with accessible and convenient digital financial services leveraging on cutting edge, proprietary technology.
From fundamental commitments to higher standards, we remain grounded in user needs, prioritize user experience, and strive to create lasting value for our users.
From the outside in, we choose to believe—in our partners, our customers, and in what we set out to achieve. Our success is built on this belief, backed by unwavering determination and persistence.
As a fintech company, we face risk with clarity, respect risk with discipline, and embrace risk as an inherent part of our business.
Anything that fails to solve real problems is just empty talk. We reject empty rhetoric and stay focused on practical, results-driven action.
Relentless self-reflection and self-reinvention drive our growth. The only limits we aim to surpass are our own.
As we deepen our presence in international markets, we embrace diverse cultures and strengthen cross-border collaboration. By staying open and breaking down boundaries, we grow together.
