In the past few years, funding to the fintech sector has increased significantly. Between 2021 and 2022 it has increased by 83%, showing investors’ optimism about the opportunities in the sector. Indonesia's fintech sector has undergone dynamic evolution, beginning with innovations in online payments and diversifying into different vertical industries, reaching the untapped markets in tier 2 and tier 3 cities, and addressing the unique financial needs of other startups in the ecosystem. This evolution highlights the adaptability and diverse innovations within Indonesia's fintech landscape.