Multi-market fintech platform
One platform designed from the ground up for Indonesia and Philippines payment rails, customer behaviours, and device norms, not a US fintech translated.
Case Study · FINTECH · INDONESIA + PHILIPPINES
FLIN: Fintech for Indonesia + Philippines
Production fintech for emerging Asian markets.
The story
What FLIN needed, and what we built.
FLIN's founder Rohit Bhageria saw a fintech opportunity in Indonesia and Philippines, high-growth markets, underserved by Western fintech, with regulatory nuance that requires local-aware design. KUMO is building FLIN's fintech app from the ground up, designed for these specific payment rails, compliance requirements, and customer behaviour.
What we delivered
Six areas of production work.
Per-market regulatory compliance
KYC, transaction monitoring, and reporting tailored to each country's regulator requirements, with audit trails the regulator can read.
Mobile-first design
Native-feel mobile UX tuned for the dominant device patterns in these markets, including offline tolerance and lighter asset budgets.
Local payment rails
Integration with country-specific rails, wallets, and clearing houses, meeting the market where it already transacts.
Localisation & language
Bahasa Indonesia and Filipino-aware UX, currency handling, and customer-comms flows built into the core, not bolted on.
Two-jurisdiction launch process
Per-market data residency considerations, jurisdiction-specific reporting, and a launch process that handles two regulators in parallel.
Highlights
Project highlights.
"Building our fintech app for Indonesia and Philippines markets. Senior team, fast moves, and quality you can trust on regulated workflows."
Rohit Bhageria
Founder, FLINMore work.
View all case studies
FINTECH · YC S20 Volopay
How KUMO built the first production version of Volopay, a YC S20 corporate-card fintech that's raised $30M and operates across 6 countries.
Read the story ->
B2B SAAS · OUR OWN PRODUCT CampaignHQ
How KUMO built and operates CampaignHQ, our own cloud-native email and WhatsApp marketing automation platform.
Read the story ->
E-COMMERCE · B2B RENTAL Equipp (Ralco Group)
How KUMO built Equipp, the digital rental marketplace for Ralco Synergy, a 25-year IT hardware leader serving India's top tech companies.
Read the story ->Tell us what you're solving for.
We'll listen first, ask the right questions, and follow up with a clear proposal.