Aino Indonesia

Aino Indonesia operates as a payment processing company and systems integrator with a specialized focus on the public transportation sector and its interconnected ecosystem, including tourism, retail, and parking. The firm's origins trace back to a research and development division within the software house Gamatechno, where the initial focus was on contactless smartcards and related mobile technologies. This division evolved and was officially spun-off as a separate entity, PT Aino Indonesia, on April 30, 2013.

The company was established by four founders: Afrizal Hernandar, Aditya Nugraha, Hastono Bayu Trisnanto, and Syafri Yuzal. Aino Indonesia is positioned under the holding company PT Gamamulti Usaha Mandiri, which is owned by Universitas Gadjah Mada (UGM), highlighting a strong connection to academic research and development. This background has been pivotal in the company's trajectory, starting with the development of an electronic ticketing system for the Trans Jogja bus service.

Aino Indonesia's core business revolves around providing an integrated payment platform that facilitates cashless transactions from multiple issuers. The company received a payment gateway license from the Central Bank of Indonesia in 2018, enabling it to process multi-issuer electronic money transactions for transportation services. Its primary clients are public service providers, such as public transport operators, and it has expanded its reach to include toll roads, tourism destinations, and retail merchants. Revenue is generated through its role as a payment system integrator, managing millions of electronic transactions. For instance, in 2018, it processed 180 million electronic money transactions across 21 cities.

The firm offers a suite of products designed for mobility and payment. The Acasia Mobility Solution is an automated fare collection system for transport operators, while the Airis E-Ticketing System serves tourist attractions. Aino also provides smart parking solutions, data insight analytics from transactional data, and loyalty programs. A key project includes a strategic partnership with PT JakLingko Indonesia to create an integrated transportation payment system in the Greater Jakarta area, aiming to standardize payment methods like transport cards and QR codes across all modes of transport.

Keywords: payment gateway, mobility payment solution, electronic ticketing, fintech, public transportation payments, cashless solutions, system integrator, automated fare collection, smartcard technology, Indonesian fintech, Mobility as a Service (MaaS), transit payments, contactless payment, payment processing, JakLingko, UGM startup, transport data analytics, smart parking, tourism payment, retail cashless