Valery Crottaz

PT Finaccel Teknologi Indonesia provides credit financing for ecommerce shoppers. It products include kredivo, which enables ecommerce shoppers to get access to instant credit financing. The company was founded by Akshay Garg, Umang Rustagi and Alie Tan in 2015 and is headquartered in Jakarta, Indonesia.

Kredivo Holdings Ltd. is a Singaporean financial technology company that aims to make financial services accessible and affordable for the under-banked population. Kredivo Holdings is based in Singapore, Singapore, and has subsidiaries in Indonesia. The company's products and entities include Kredivo, the leading buy-now-pay-later platform in Indonesia, and Krom Bank (formerly Bank Bisnis), the leading digital credit platform in Indonesia. The company was founded in 2015 by Akshay Garg, Alie Tan, and Umang Rustagi, with Akshay Garg serving as the CEO since then.