Country: Indonesia Jojonomic
Year: 2015

  • Jojonomic provides users a free mobile app to manage their personal finances, with key features of budget-setting capabilities, access from multiple devices, ability to take pictures of the bills through the application, and programming of recurring transactions.
  • Jojonomic received seed funding from East Ventures, an early stage VC firm for consumer internet and mobile, based in Singapore, Jakarta and Tokyo.


  • Gamification and social media features: Jojonomic targets to motivate users to actively manage their personal finances through awarding users “Jojo-points” each time they record a transaction, which in the future could potentially be used to redeem coupons from its partners and affiliates. It also includes a social media-like feature called “JojoBuddies”, encouraging users to share financial tips and perspectives with other users.
  • Revenue model: Jojonomic’s revenue comes from in-app purchases of additional features, such as a US $2.99 monthly subscription allowing users to set financial goals based on their planned expenditures, along with tracking capabilities.
  • Expense reimbursement solution for businesses: In addition to the personal finance app, Jojonomic offers another product to target businesses – Jojonomic Pro, a paperless expense reimbursement solution that eliminates the need to keep and recap paper receipts manually.

Consumer Benefits

  • Easy management of personal finance: Jojonomic’s features are user friendly and designed to increase the financial literacy of the Southeast Asia market. Users also receive free daily financial tips on their dashboards.
  • Increased efficiency for businesses: Jojonomic’s other product – Jojonomic Pro, increases the efficiency of businesses through simplifying the reimbursement process – both for employees in recording transactions, and for employers to approve reimbursements.
  • Customer acquisition for businesses: Users receive “Jojo-points” by actively managing their personal finances. The points in return could potentially be used to redeem discounts and coupons from various businesses. Businesses thus benefit through partnering with Jojonomic to acquire more customers.

How to use it
Registering for an account and recording a transaction on Jojonomic
how to use it - picture
Jojonomic Pro – illustrative video on reimbursements

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