The move follows a series of strategic discussions aimed at forging partnerships with regional players that have cross-border experience and an established presence in Southeast Asia.
Alliex Vietnam JSC President Director Park Byung-gon said in a statement received in Jakarta on Friday that the initiative is designed to help build a sustainable MSME financing ecosystem by using daily transaction data to assess creditworthiness, rather than relying on traditional collateral.
Park said the model, already in use in Vietnam, is well suited to Indonesia, which has more than 65 million MSMEs and faces similar structural challenges, including limited access to collateral, low levels of formal financial reporting and uneven financing opportunities.
Under the scheme, Alliex collects and analyzes real-time transaction data through its integrated payment infrastructure to generate credit profiles that reflect actual and measurable business activity.
“Transaction data reflects the real economic conditions of MSMEs. With strong partnerships and a data-driven approach, Alliex is transforming from a payment infrastructure provider into a data-based financial platform,” Park said.
He added that the approach has broad potential beyond Vietnam and Indonesia, particularly in countries with large MSME sectors and growing digital ecosystems.
As part of its market exploration in Indonesia, Alliex is preparing to strengthen regional partnerships to support its medium- to long-term expansion strategy.
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The company is also opening the door to phased regional growth, including revenue-based financing products such as merchant cash advances, cooperation with local banks and financial institutions, the use of artificial intelligence-based credit assessments and the development of cross-border supply chain financing.
Park said Indonesia has become one of Alliex’s priority markets, citing the size of its MSME sector and the readiness of its digital infrastructure to support data-driven financing.
To reinforce governance and regional financial strategy, Alliex has appointed Yudai Ishikawa as financial strategy adviser.
Meanwhile, Sakuranesia Foundation founder Tovic Rustam will act as a strategic connector between Indonesian and wider Asian ecosystems, focusing on mapping MSME needs, engaging financial institutions and regulators, and aligning financing models with domestic and regional market conditions.
Through close collaboration with these stakeholders, Alliex aims to strengthen its role in advancing SME and MSME financing across the region.
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Translator: Rizka, Azis Kurmala
Editor: Rahmad Nasution
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