Today marks Akulaku’s 10th anniversary

Over the past decade, we have grown from a startup with an ambitious vision into a regional digital financial platform serving more than 69 million users across Southeast Asia. What began as an effort to make financial services more accessible has evolved into a broader ecosystem spanning digital lending, digital banking, and technology-enabled financial services.

The journey has not always been straightforward. Over the years, we have navigated changing market conditions, rapid technological shifts, evolving regulatory environments, and multiple business cycles. Each stage has challenged us to adapt, learn, and become stronger.

Through it all, one belief has remained constant: sustainable, long-term growth is built on strong fundamentals, disciplined execution, responsible innovation, and, above all, trust. The trust of our users who choose our services, our partners who grow alongside us, and our employees who have helped build Akulaku into what it is today.

As we celebrate our first decade, we are also looking firmly ahead.

Technology is once again reshaping financial services, with artificial intelligence opening new possibilities across customer experience, risk management, fraud prevention, and operational efficiency. At Akulaku, we see AI not simply as a new technology, but as an opportunity to further strengthen the capabilities we have built over the past decade and serve our users better, more efficiently, and more responsibly.

The opportunities ahead are significant, and so are the challenges. Entering our second decade, our priorities remain clear: strengthen our core businesses, continue investing in technology and responsible innovation, deepen our capabilities across the markets we serve, and build an even stronger foundation for sustainable, long-term growth.

Ten years is an important milestone, but it is also a new beginning.

To our more than 69 million users, our partners, our employees, and the communities that have supported us along the way: thank you for being part of the Akulaku journey.

Our first decade was about building. Our next decade is about building stronger.