已落地金融科技 AI技术授权 / 开源发布2018 年SE-043

蚂蚁集团(DANA)（Ant Group (DANA)） · 印度尼西亚（Indonesia）

来源：DANA: How Ant Group's Indonesia Wallet Battles OVO（2026）高可靠

数据口径：本库为目的性编制的公开案例集，非概率抽样；计数仅描述本库构成，不代表市场份额。金额字段混合投资额/营收/用户数等口径，仅作量级参考，请以原文描述与来源链接为准。

部署描述

来源原文（英文，未经改写）

As a technology and strategic partner, Ant Group has exported to DANA — the Indonesian e-wallet controlled by Emtek and launched in 2018 — system architecture derived from Alipay, the OceanBase distributed database, and credit-scoring technology, supporting close to 200 million registered users, DANA Paylater credit, and QRIS cross-border payments (Malaysia, Singapore, Thailand); in 2023 the two parties jointly launched the SisBerdaya programme to empower women entrepreneurs.

本地化与创新要点

来源原文（英文，未经改写）

Replicated the Alipay architecture to serve bill-payment and government transfer-payment use cases in lower-tier markets; leveraged Ant Group's cross-border payment rails to enable QRIS cross-border payments.

结构化字段

东道国: 印度尼西亚（Indonesia）
区域: 东南亚
AI 赛道: 金融科技 AI
进入方式: 技术授权 / 开源发布
进入年份: 2018
落地状态: 已落地
资本流向: 中国 → 东道国（对外部署）
企业集团: Ant Group

本地伙伴

Emtek Group

本地私营企业未标注国资背景

规模

来源原文（英文，未经改写）

Close to 200 million registered users (company-disclosed); valuation of approximately USD 1.13 billion (CB Insights, media estimate)

口径：企业披露量级标记：约 1,130,000,000 USD

金额字段混合投资额 / 营收 / 用户数等不同口径，仅可作量级参考，不可跨记录求和，请以上方原文与来源为准。

来源与备注

来源：DANA: How Ant Group's Indonesia Wallet Battles OVO（2026）高可靠

记录备注：来源原文（英文，未经改写）Included on the same basis as GCash: a local e-wallet into which Chinese capital has deeply exported AI, risk-control and database technology. According to Digital in Asia (citing Tracxn), 99% of the controlling entity is held by an Emtek subsidiary, with Ant Group serving as a 'technology and strategic partner'; Ant Group's current specific equity stake is not confirmed in sources consulted this round, though media have historically often referred to it as an Ant-affiliated wallet (inference flag).

本页内容整理自公开报道与企业披露，不构成法律意见或投资建议；对外引用时请连同来源链接一并给出。

相关记录

同一东道国或同一 AI 赛道的其他记录（按来源可靠度与年份排序）。

Akulaku

印度尼西亚（Indonesia）·东南亚

已落地SE-041

金融科技 AI其他2016 年

来源原文（英文，未经改写）

Indonesian consumer-fintech group founded in 2016 by Chinese founders William Li (CEO) and Gordon Hu (CTO); its predecessor Silvrr began in Hong Kong in 2014 providing cross-border remittances for domestic workers. Business spans instalment consumer credit, wealth management and digital banking. The company states that all business operations rely on algorithms and AI, covering account transfers, KYC, risk assessment, anti-fraud and anti-money laundering, with R&D investment exceeding USD 28 million a year (CEO statement, KrASIA, 2 July 2020) — this AI/algorithm attribution rests solely on the founder's own account and has no third-party corroboration. In 2019 Akulaku bought an 8.9% stake in Indonesian commercial bank PT Bank Yudha Bhakti (BBYB) from Gozco Capital for Rp 158 billion, becoming a minority shareholder and committing to staged investment totalling up to Rp 500 billion; the bank was renamed PT Bank Neo Commerce Tbk in 2020. The founder's claimed Ping An Insurance background is removed from the description because its only source is dead (see notes).

来源：Fintech startup Akulaku advances on digital banking in Southeast Asia（2020）中可靠