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Financial Access for Everyone

GoTo Financial originated with the creation of GoPay in 2016, a digital payment solution designed to enable seamless, cashless transactions for Gojek users and driver partners navigating the busy streets of Jakarta. Today, GoTo Financial offers a wide range of secure and responsible financial services to Indonesians across all levels of society. GoTo Financial’s mission is to drive financial inclusion by empowering every Indonesian to easily manage their finances and attain financial security. GoTo Financial provides light and simple consumer as well as merchant apps, allowing users to pay, transfer, save, borrow, protect and invest their money all in one app. Additionally, GoTo Financial offers a range of enterprise solutions, including payment gateway and digital identity services, tailored to meet the needs of enterprises.

Phase 1: Providing Digital Payment Solution on the Gojek App

Launch of GoPay

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A digital payment solution on the Gojek app

Acquisition of Midtrans

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The leading payment gateway in Indonesia

Acquisition of MOKA

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A cloud-based Point-of-Sales (POS) system

GoTo Financial was created

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Offering comprehensive financial solutions for consumers and merchants

Expansion of GoPay

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Expansion of GoPay to Tokopedia and various online & offline merchants

Launch of GoPay Later and GoPay Pinjam

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Providing responsible buy-now-pay-later (BNPL) and cash loan products

Launch of GoPay app

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Offering financial services for all Indonesians

Launch of GoPay Tabungan by Jago

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Combining the simplicity of e-money and bank benefits

Launch of GoPay merchant app

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Providing MSMEs with seamless access to digital financial services

Launch of GoPay Asuransi, Simpanan, & Pinjam BPKB

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Launch of new products on GoPay consumer app, including insurance, investment and collateral loan

Launch of Digital Identity

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Offering comprehensive facial recognition, OCR and electronic certification capabilities

2016
2017
2020
2021
2022
2023
2024
2025

Phase 1

Phase 2

Phase 3

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