10 Emerging Startups to Watch in Asia 2026

How majoo is Changing Indonesia’s Small Business Economy

To date, majoo has processed over 2 billion transactions for MSMEs in 600+ cities, spanning key industries such as food & beverage, laundromats, beauty, and convenience retail.

By SBR
April 14, 2026 1:08 AM Updated April 14, 2026
Adi Wahyu Rahadi, Founder & CEO, majoo Indonesia Photo by SBR

Adi Wahyu Rahadi, Founder & CEO, majoo Indonesia


Indonesia’s small business sector often operates through a mix of manual records and multiple digital tools used across different functions. Many entrepreneurs rely on spreadsheets, point solutions, or separate applications that do not always integrate. Digital adoption has been widely discussed, but in practice it varies across businesses. Platforms such as majoo reflect a shift toward more structured systems that bring core business functions into a single environment.

Founded in 2019 and based in SMESCO Indonesia, South Jakarta, majoo has built a wide presence across the country. It supports operations in 60 cities and maintains on-ground representatives in over 100. This reach is significant because digital adoption depends on more than access to software. It also depends on familiarity and trust. Many small business owners are more willing to adopt new systems when they can connect with people who understand their local context and can guide them through the process.

Since its launch, majoo has supported more than 45,000 active merchants and processed over 2 billion transactions across more than 600 cities. These figures point to more than expansion. They reflect a shift in behavior. Small businesses are no longer treating digital tools as optional. Instead, these tools are becoming part of daily operations, used to manage sales, inventory, and customer relationships in real time.

From Fragmentation to Integrated Business Systems

One of the main reasons behind this shift is the structure of majoo’s platform. Rather than focusing on a single function, it offers a full set of business tools within one system. These include online point of sale, accounting, inventory tracking, employee management, customer relationship management, business analysis, and ordering systems. Each function is connected, allowing data to move across the system without repeated manual entry.

This reduces the need to switch between multiple applications and lowers the risk of errors. For business owners, it changes how time is spent. Administrative work becomes more manageable, and attention can shift toward decision-making. The system does not remove operational challenges, but it provides a more organized way to handle them.

To support businesses at different stages, majoo offers tiered products. majoo Starter is designed for businesses beginning their digital journey. majoo Advance serves those with growing operational needs. majoo Prime and Prime+ cater to businesses with multiple outlets and more demanding requirements. This structure allows businesses to adopt digital tools at a pace that fits their development, rather than forcing them into a single framework.

Scaling Across Cities Through Local Presence and Access

Expanding across Indonesia requires more than digital reach. The country’s geography and diversity create barriers that must be addressed directly. majoo’s presence in dozens of cities, supported by on-ground representatives, helps bridge this gap. Business owners can access not only the platform, but also guidance on how to use it effectively.

This local connection plays an important role in adoption. It ensures that businesses are not left to figure out systems on their own. Instead, they receive support that reflects local business practices. For micro and small enterprises, this can make the difference between trying a digital tool once and using it consistently.

The combination of software and human support strengthens long-term use. The platform provides the system, while local representatives provide assistance and context. Together, they create an environment where businesses can adopt digital systems with greater ease.

Financing and Marketing Open New Growth Pathways

Beyond operational tools, majoo extends its offering into financing and marketing. Access to credit remains a challenge for many small businesses. Through majoo Capital, delivered in partnership with Investree, KoinWorks, Modalku, and Commbank, businesses can connect their transaction data with financing opportunities. This creates a clearer basis for credit evaluation.

When business activity is recorded and structured, it becomes easier for lenders to assess risk. This can open doors for businesses that previously struggled to secure funding. It also allows financial institutions to work with more reliable data, improving the quality of their decisions.

Marketing tools also play a role in supporting growth. majoo DigiAds includes features such as WhatsApp Broadcast, SMS location-based campaigns, and Instagram feed placements. These tools allow businesses to reach customers more directly. When paired with transaction data and customer insights, they support more focused communication. Even small improvements in outreach can lead to better customer engagement over time.

Digital Adoption Moves from Option to Everyday Practice

Education is another important part of this process. Through majoowira, majoo organizes webinars, mentoring sessions, and competitions. These initiatives help business owners understand how to use digital systems in their daily work. Knowledge builds familiarity, and familiarity supports consistent use.

This highlights a broader reality. Technology alone does not drive adoption. People need to understand how it fits into their operations. By offering learning opportunities, majoo supports both access and capability.

The pandemic accelerated many of these changes. Businesses faced sudden disruptions and had to adapt quickly. During this period, majoo recorded significant growth, reflecting how urgent the need for digital systems became. What might have taken years happened within a much shorter timeframe. Many businesses that adopted digital tools out of necessity have continued using them as part of their routine.

As adoption grows, the line between digital and non-digital operations becomes less relevant. What matters is how effectively businesses manage their activities. Platforms like majoo contribute to this shift by offering systems that align with everyday needs. They provide structure and visibility, allowing businesses to operate with greater clarity and control.

At the same time, reliance on a single system introduces new considerations. Businesses depend on reliability, data security, and consistent performance. Providers must meet these expectations to maintain trust. As more operations move into digital systems, these factors become even more important.

Competition in this space is also likely to expand. New providers will continue to offer tools for small businesses. What sets majoo apart is its integration of multiple functions along with a strong local presence. This combination allows it to connect with businesses in a way that goes beyond software alone.

Indonesia’s small business sector remains vast and diverse. No single platform can address every need. However, the trajectory of majoo shows that meaningful progress is possible when technology aligns with real business conditions. It reflects a shift from fragmented tools to connected systems, and from occasional use to daily reliance.

In this context, majoo is not just a platform. It is part of a broader shift in how small businesses operate across Indonesia. As more enterprises adopt such systems, the focus will move from whether to adopt digital tools to how effectively they are used to support long-term growth.

Adi Wahyu Rahadi, Founder & CEO, majoo Indonesia

We support teams in 60 cities and maintain a strong on-ground presence with sales representatives in over 100 cities across Indonesia.

We’re Focused on Empowering Small and Medium Sized Businesses and B2B Networks to Save on Business Insurance: Karim Jamal, CEO of Foxquilt
Small businesses often face a fragmented insurance process, and that gap shaped the foundation of Foxquilt as it set out to simplify how coverage is accessed, priced, and delivered. The company operates as a North American insurance technology firm focused on small and midsize enterprises, delivering coverage through a digital platform supported by data and machine learning.
April 14, 2026
We’re Focused on Empowering Small and Medium Sized Businesses and B2B Networks to Save on Business Insurance: Karim Jamal, CEO of Foxquilt
Our Mission is to Transform the Small Business and Startup Insurance Landscape in Australia: Skye Theodorou, CEO of Upcover
Upcover modernizes business insurance by giving small business owners, startups, and scaleups direct control over their coverage. The platform lets users get quotes, purchase policies, and receive documentation entirely online, eliminating delays often seen with traditional insurance. Companies no longer have to navigate multiple touchpoints or wait for manual approvals that can slow operations and leave them exposed.
April 14, 2026
Our Mission is to Transform the Small Business and Startup Insurance Landscape in Australia: Skye Theodorou, CEO of Upcover
Connecting Consumers and Businesses across Dynamic Markets: Xendit
Xendit is a Jakarta-founded financial technology company that provides digital payment infrastructure for businesses across Southeast Asia. The company develops software that enables merchants to accept payments, send funds and manage financial transactions through a unified system.
April 14, 2026
Connecting Consumers and Businesses across Dynamic Markets: Xendit
Ajaib is Southeast Asia’s First Fintech Investment Unicorn and Indonesia’s First Fully Online Stock Brokerage
Ajaib is a Jakarta-based financial technology company founded in 2019 and Southeast Asia’s first and fastest fintech investment unicorn as well as Indonesia’s first fully online stock brokerage. The company provides digital access to a broad range of investment products including Indonesian stocks, mutual funds, bonds, cryptocurrency and US listed securities.
April 14, 2026
Ajaib is Southeast Asia’s First Fintech Investment Unicorn and Indonesia’s First Fully Online Stock Brokerage

More on Financial Literacy

Content provided by finlittoday.com
Financial Literacy Post
PMP Certification and AI Upskilling Boost Salaries for Project Management Professionals,
Financial Literacy Post
PMP Certification and AI Upskilling Boost Salaries for Project Management Professionals,
Financial Literacy Post
PMP Certification and AI Upskilling Boost Salaries for Project Management Professionals,
Financial Literacy Post
PMP Certification and AI Upskilling Boost Salaries for Project Management Professionals,
Financial Literacy Post
PMP Certification and AI Upskilling Boost Salaries for Project Management Professionals,
Financial Literacy Post
PMP Certification and AI Upskilling Boost Salaries for Project Management Professionals,
Financial Literacy Post
PMP Certification and AI Upskilling Boost Salaries for Project Management Professionals,
Financial Literacy Post
PMP Certification and AI Upskilling Boost Salaries for Project Management Professionals,
Financial Literacy Post
PMP Certification and AI Upskilling Boost Salaries for Project Management Professionals,