Cards

Operating under its parent company PT Cazh Teknologi Inovasi, CARDS provides a comprehensive digital management system for educational institutions in Indonesia. Founded in 2019 by Muhammad Arif Mahfudin, the Banyumas-based startup aims to digitize and integrate various administrative and financial operations for schools, Islamic boarding schools (pesantren), and universities. The company's development traces back to a core banking system in 2018, followed by a point-of-sale system in 2019, and culminated in the digital membership cards and education dashboard in 2021. The demand for their services notably increased during the COVID-19 pandemic.

The firm's primary offering is a platform that digitizes student ID cards, which then function as tools for non-cash digital transactions within the campus ecosystem. This system is integrated with the institution's management software, a business management system for on-campus stores and canteens, and a mobile application for students and parents. The platform's features cover a wide range of administrative needs, including student data management, new student registration (PPDB), academic administration such as attendance and digital report cards, and financial management for tuition bills and savings programs. For parents, the system offers transparency through easy access to academic information, attendance records, and the ability to monitor and top-up a student's digital wallet for cashless transactions at the canteen. These transactions are secure, requiring a PIN and providing real-time monitoring for guardians.

CARDS operates on a cloud-based system, which eliminates the need for schools to invest in their own server infrastructure and software development. The business model involves providing these integrated digital services to educational institutions, with over 400 institutions and 130,000 students reportedly using the platform. As a seed-stage company, CARDS has secured an undisclosed amount of funding from investors including Katha VC and DS/X Ventures. The company also offers a factoring invoice financing service called FlexyCazh, allowing schools to receive advance funds based on unpaid invoices to manage cash flow for operational needs and development projects.

Keywords: student digital card, school management system, pesantren digitalization, campus cashless payment, education fintech, student administration software, parent communication portal, digital canteen, student e-wallet, school financial management, PPDB online, digital attendance, student savings program, tuition payment system, invoice financing for schools, PT Cazh Teknologi Inovasi, Muhammad Arif Mahfudin, education technology Indonesia, school administration ERP, non-cash transactions for students