Mobile Application Development for Fintech & MSME Ecosystems

Digital Oasis supports fintech companies and digital platforms by building secure, scalable, and user-centric mobile applications that enable digital transactions, distribution, and business growth. Our solutions are designed to support high-volume transactions while remaining accessible for micro, small, and medium enterprises (MSMEs).

Overview: Pilar Pulsa & Pilar Konter (PilPul)

Digital Oasis developed Pilar Pulsa & Pilar Konter (PilPul) for PT Mega Kreasi Indotama, a fintech mobile application that enables users to purchase and distribute various digital products.

The application allows users to transact digital services such as mobile airtime, e-wallet balance top-ups, online bill payments, and other digital products through a single mobile platform.

Business Context in Fintech & Digital Distribution

The rapid growth of digital payments and online services has increased demand for platforms that are easy to use, reliable, and accessible to a broad user base—especially MSMEs across Indonesia.

Fintech platforms must support:

• High transaction volumes

• Diverse digital product catalogs

• Fast and secure payment processing

• Scalable referral and reseller models

Without a robust mobile system, distribution efficiency and user adoption can be significantly limited.

Key Business Challenges

The development of PilPul addressed several common fintech challenges:

• Fragmented access to digital products

• Limited income opportunities for MSMEs

• Complex onboarding for new resellers or agents

• Scalability challenges in referral-based business models

• Need for a mobile-first approach to reach wider users

Strategic Objectives

PilPul was designed with the following objectives:

• Enable users to easily sell and purchase digital products

• Support MSMEs in starting and growing digital-based businesses

• Provide a scalable multi-level referral system

• Minimize entry barriers in terms of capital, time, and operational effort

• Deliver a simple and intuitive mobile user experience

Solution Overview – PilPul Mobile Application

PilPul is a mobile-based fintech application that serves as both a digital product marketplace and a business enablement platform. The application empowers users—particularly MSMEs—to participate in the digital economy with minimal operational complexity.

By combining digital product distribution with a multi-level referral system, PilPul supports both transactional usage and long-term business growth.

Key Capabilities Delivered

The solution provides core capabilities including:

• Digital product purchases (airtime, e-wallet balance, bill payments, and more)

• Centralized transaction management

• Multi-level referral and commission system

• Mobile-first design for accessibility and usability

• Support for MSME-focused digital entrepreneurship

Platform & Technology

Platform

• Mobile Application

Technology Stack

• Android Native SDK

• iOS Native SDK

• Laravel

The system architecture was designed to ensure performance, scalability, and reliability for fintech transaction workloads.

Business Impact & Outcomes

The PilPul application delivers meaningful business impact by enabling:

• Easier access to digital products for end users

• New income opportunities for MSMEs

• Faster onboarding of resellers and agents

• Scalable digital distribution through referral networks

• Broader participation in Indonesia’s digital economy

Why Digital Oasis for Fintech Application Development

As an IT Consultant in Indonesia, Digital Oasis understands the technical, operational, and scalability requirements of fintech platforms.

Our approach is defined by:

• Experience in fintech and transaction-based systems

• Focus on scalability and performance

• User-centric mobile application design

• Business-driven system architecture

Frequently Asked Questions

What type of fintech solutions does Digital Oasis build?

We develop mobile and enterprise systems for digital payments, product distribution, and fintech-enabled business models.

Is PilPul designed for MSMEs?

Yes. PilPul is specifically designed to support MSMEs by lowering entry barriers and enabling digital entrepreneurship.

Can fintech platforms scale using mobile-first architecture?

Yes. Mobile-first fintech platforms are highly effective for scaling user adoption and transaction volume, especially in emerging markets.

Supporting Fintech Growth Through Technology

Digital Oasis builds fintech solutions that enable digital transactions, empower MSMEs, and support scalable business models, ensuring technology aligns with real economic and operational needs.

Talk to Our Consultants