Finance

DANA

AI-driven digital wallet for Indonesia

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Pricing · FreeStable
The FalcoScan Intel PanelDANA · Finance
Data updated 2 November 2026
Opportunity
Moderate
Band
Saturation
Contested
Band
Wrapper risk
Low
Band
Momentum
Stable
Market trend

Finance AI has a narrow moat on average, from the moat scores of its rated products. What protects Finance AI tools, and the widest moats

The Brief

What DANA does

DANA is Indonesia's largest digital wallet, with 100M+ registered users. Uses ML for fraud detection, credit scoring, and personalization. Joint venture between Ant Group and Emtek. HQ Jakarta.

How DANA compares with its closest alternatives

3 of the 5 closest alternatives have a free plan, as DANA does. All 5 offer an API, as DANA does. DANA offers a mobile app. Of the 4 alternatives with platforms on record, all 4 offer a mobile app. DANA was founded in 2018; the alternatives were founded between 2013 and 2016, 5 of them earlier. DANA is based in Jakarta, Indonesia; 2 of its 5 alternatives are in Indonesia too, and the others in Brazil, Nigeria and India.

Market position · Finance

How DANA compares in Finance

DANA has moderate opportunity and sits in the bottom third of 392 live Finance tools on FalcoScan. Across Finance, the average opportunity score is 68.5 and the average saturation score 34.9. FalcoScan rates DANA's own market position as contested. 76 of the 392 operating Finance tools have hot momentum, and FalcoScan has recorded 6 shutdowns in the category.

DANA compared with its closest alternatives
ProductOpportunitySaturationPricingPricing fromFree planAPIPlatformsMomentum
DANAFounded 2018 · Jakarta, IndonesiaModerateContestedFree—YesYesMobileStable
XenditFounded 2015 · Jakarta, IndonesiaHighOpenPaid—NoYesAPIRising
KredivoFounded 2016 · Jakarta, IndonesiaModerateOpenFreemium—YesYesWeb, API, MobileStable
CloudWalkFounded 2013 · São Paulo, BrazilModerateOpenPaid—NoYesWeb, API, MobileRising
FlutterwaveFounded 2016 · Lagos, NigeriaHighOpenFreemium—YesYesWeb, API, MobileDeclining
RazorpayFounded 2014 · Bengaluru, IndiaHighOpenFreemium—YesYesWeb, API, MobileRising

Exact opportunity and saturation scores for all 6 of these, and where each ranks in Finance.

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What it ships with

Capabilities & who uses it

The capabilities DANA exposes to builders and the verticals it currently serves.

AI Capabilities
Data AnalysisReasoningAutomation
Industry Verticals
FintechRetail
Tagged

DANA shows up when builders search for these

fintechpaymentsseaindonesiadigital-wallet
Similar tools · Finance

Alternatives to DANA

Products still running that do the same job, from the finance market and related ones, closest match first.

See the Finance market
Finance
Xendit

AI-powered payment infrastructure for SEA

Opportunity High
Paid
Finance
Kredivo

AI-driven digital credit for Southeast Asia

Opportunity Moderate
Freemium
Finance
CloudWalk

AI-driven payments and lending for Brazilian SMBs

Opportunity Moderate
Paid
Finance
Flutterwave

AI-powered payment infrastructure for Africa

Opportunity High
Freemium
Finance
Razorpay

AI-driven payments and banking for India

Opportunity High
Freemium
Finance
Adyen

AI-powered payments for global enterprises

Opportunity High
Paid
Featured in
Questions

DANA: common questions

Is DANA free?

Yes. FalcoScan lists DANA as free to use.

What are the best alternatives to DANA?

The closest alternatives to DANA that are still running, matched on the AI capabilities, uses and audience they share, are Xendit, Kredivo, CloudWalk, Flutterwave, and Razorpay.

Is DANA still running?

Yes. As of 2 November 2026, FalcoScan lists DANA as operating at dana.id.

Where is DANA based?

DANA is headquartered in Jakarta, Indonesia.

Does DANA have an API?

Yes. DANA offers an API.

Who is DANA for?

DANA is built for consumers and small businesses.

How do I sign in to DANA?

Sign in on DANA's own website, dana.id. FalcoScan reviews DANA but does not run its accounts, so logins, passwords and billing are handled by DANA directly.

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