LinkAja
Collective Finance Management
The Problem: Manual Management
Indonesians love "Gotong Royong", but managing collective funds (Arisan, Kas RT, Joint Accounts) is often manual, prone to errors, and lacks transparency. WhatsApp groups and personal bank accounts mix personal and shared money, leading to confusion.
Smart Features
Multi-Akses Role System
Granular access control: Owner (Full Control), Admin (Manage), Contributor (Request Only), and Viewer (Passive).
AI Financial Assistant
Smart chatbot for instant insights: 'Who hasn't paid?', 'Total expenses this month?', plus automated recommendations.
Integrated Payments
Directly use Kas balance for LinkAja services (Electricity, Data, Merchants) without withdrawing.
Auto-Transparency
Real-time transaction logs, multi-level approval system, and automated audit trails for total trust.
Design Process & Wireframes
Project Impact
- ClientFintech National
- CategoryCommunity Wallet
Key Impact
For Users
Transparency, trust, and ease of management without switching apps.
For Business
Increases engagement & transaction volume (float fund).