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印尼金融科技业务平台MOKA获2400万美元B轮融资,红杉印度领投

近日,印度尼西亚端对端零售业务平台MOKA宣布顺利完成新一轮2400万美元B轮融资,由红杉资本印度分公司领投。

除此之外,此轮融资跟投方,还包括软银集团韩国分公司、新加坡经济发展局投资私人有限公司(EDBI)、风险投资基金EV Growth,以及其他原有投资方,比如Mandiri Capital、Convergence Ventures以及Fenox VC。

在一项媒体声明中,公司介绍说,此轮融资将主要用于产品开发进程的加速。

另外,它还与P2P借贷初创企业KoinWorks、Taralite以及Modalku达成合作,共同推出了小型企业金融项目MOKA Capital。

MOKA 总部位于印尼首都雅加达,由Haryanto Tanjo和Grady Laksmono二人在2014年联手创建,旨在针对小型企业提供基于云计算的POS服务。

其平台能够实现自家服务与OVO、TCASH以及AkuLak这类其他平台的有机融合,从而为小型企业提供多种形式的非现金支付手段。

此外,公司还宣布已经顺利与Dana和Kredivo两家初创企业建成了伙伴合作关系,为客户进行信用卡和借记卡交易提供支持。

据公司数据显示,现阶段它的用户数量已经超过1.2万,涵盖服务和零售等领域。公司每年能够处理超过1亿笔交易,所涉及资金总额更是高达100万美元。

公司联合创始人兼首席技术官Grady Laksmono介绍说:“随着公司业务日益增长,现在的MOKA已经不再简单是POS服务供应商了,而是一个运营型的综合平台,为各种类型的企业提供商务便利。我们的库存系统、非现金支付业务以及借贷服务已经日益成熟,帮助公司向构建企业级端对端生态系统的目标又迈进了一大步。”

在此轮融资之前,MOKA还完成了一轮由East Ventures领投的190万美元A轮融资,以及随后另一轮200万美元的融资。

Indonesia’s Moka, a startup that helps SMEs and retailers manage payment and other business operations, has pulled in a $24 million Series B round for growth.

The investment is led by Sequoia India and Southeast Asia — which recently announced a new $695 million fund — with participation from new backers SoftBank Ventures Korea, EDBI — the corporate investment arm of Singapore’s Economic Development Board — and EV Growth, the later stage fund from Moka seed investor East Ventures. Existing investors Mandiri Capital, Convergence and Fenox also put into the round.

The deal takes Moka  to $27.9 million raised to date, according to data from Crunchbase.

Moka was started four years ago primarily as a point-of-sale (POS) terminal with some basic business functionality. Today, it claims to work with 12,500 retailers in Indonesia and its services include sales reports, inventory management, table management, loyalty programs, and more. Its primary areas of focus are retailers in the F&B, apparel and services industries. It charges upwards of IDR 249,000 ($17) per month for its basic service and claims to be close to $1 billion in annual transaction volume from its retail partners.

That’s the company’s core offering, a mobile app that turns any Android  or iOS device into a point-of-sale terminal, but CEO and co-founder Haryanto Tanjo — who started the firm with CTO Grady Laksmono — said it harbors larger goals.

“Our vision is to be a platform, we want to be an ecosystem,” he told TechCrunch in an interview.

That’s where much of this new capital will be invested.

Tanjo said the company is opening its platform up to third-party providers, who can use it to reach merchants with services such as accounting, payroll, HR and more. The focus is initially on local services that cater to SMEs in Indonesia, but as Moka targets larger enterprises as clients, he said that it will integrate larger, global solutions, too.

Moka itself is expanding its capabilities on the payment side.

Indonesia, the world’s fourth largest country based on population and Southeast Asia’s largest economy, is in the midst of a fintech revolution with numerous companies pioneering mobile-based wallet services aimed at ending the country’s fixation on cash-based transactions. That’s mean that there are a plethora of options available today. Tanjo said Moka is working to support them all in order to help its merchants grow their businesses and consumers to have easier lives.

There are so many wallets here in Indonesia,” he said. “There are more than 10 right now and maybe in the next few months there’ll be 15-20, we want to be the platform that works with all of them.”

Already it works with the likes of OVO, T-Cash and Akulaku, and e-wallets including DANA and Kredivo. The startup is also working in another area of fintech: loans.

As an extension of its platform, it has tied up with SME loan companies who can reach out to Moka businesses using its platform. With the merchant’s consent, Moka can provide business data — including revenue, profit, etc — to help provide data to assess a loan application. That’s important because the process is particularly challenging in Southeast Asia, where few organized credit checking facilities exist — it makes sense that Moka — which has built its business around encouraging business growth and management — uses the information it has access to help its partners.

Tanjo said the company takes an undisclosed cut of the loan in cases where it has successfully connected the two parties. He said that he doesn’t expect that to initially become a major revenue stream, but over time he anticipates it will help its customer base grow and become a more important source of income for the startup.

Sequoia India has some experience in POS startups having backed Pine Labs in India, which recently landed a big $125 million round from PayPal and Singapore sovereign fund Temasek. Still, there are plenty of local players across various markets in Southeast Asia, including StoreHub, which is backed by Temasek subsidiary Vertex Ventures, and Malaysia’s SoftSpace.

While those two competitors have established a presence in multiple markets in Southeast Asia, Tanjo — the Moka CEO — said there are no plans to venture overseas for at least the next 12 months.

“We’re still scratching the service,” he said. “So [it] doesn’t make sense to expand too soon.”


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