Akulaku is a popular digital financial and e-commerce platform that operates primarily in Southeast Asia, including countries like Indonesia, the Philippines, Vietnam, and Malaysia. The app combines online shopping with buy-now-pay-later (BNPL) services, digital banking, and investment options, making it a one-stop solution for users looking for convenient shopping and financial services.
In this detailed guide, we will explore how the Akulaku app works, covering its features, registration process, shopping experience, payment options, credit services, and additional financial products.
1. Overview of Akulaku
Akulaku was founded in 2016 and has grown rapidly as a fintech and e-commerce platform. It provides users with:
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In the last five years, our focus on app development has driven over HK$3,000,000 in revenue for merchants.
Akulaku supports multiple payment options for flexibility:
1. Full Payment Methods:
Bank Transfer (BCA, Mandiri, BPI, etc.)
Credit/Debit Cards (Visa, Mastercard)
E-Wallets (OVO, Dana, GCash, GrabPay)
Convenience Stores (7-Eleven, Alfamart)
2. Installment Plans:
Akulaku PayLater (0% interest or low-interest installments)
Partner Bank Installments (via credit cards)
6. Akulaku Virtual Credit Card
Some users may qualify for an Akulaku Virtual Credit Card, which can be used for online transactions outside the Akulaku app (e.g., Netflix, Spotify, Lazada, Shopee).
Features:
Pre-approved limit based on credit assessment.
Online transactions only (no physical card).
Repayment via Akulaku app.
7. Akulaku Bank (Digital Banking)
In some regions, Akulaku offers digital banking services, including:
Savings Account – Earn interest on deposits.
Loans – Personal loans with competitive rates.
Money Transfers – Send/receive funds easily.
8. Investment & Wealth Management
Akulaku also provides investment options such as:
Mutual Funds – Low-risk investment products.
Gold Investments – Buy/sell digital gold.
Fixed Deposits – Earn higher interest over time.
9. Customer Support & Security
Akulaku ensures user security through:
Data Encryption – Protects personal and financial data.
24/7 Customer Support – Live chat, email, and phone support.
Fraud Protection – Monitors transactions for suspicious activity.
❌ High late fees for missed payments
❌ Limited availability in some countries
❌ Interest rates may be high for long-term installments
11. Conclusion
Akulaku is a versatile app that combines e-commerce with fintech solutions, making it a convenient choice for users who need flexible payment options. Whether you want to shop online, pay in installments, or access digital banking, Akulaku provides a seamless experience. However, users should manage their credit responsibly to avoid high fees.
By understanding how Akulaku works, you can make informed decisions when using the app for shopping and financial services.
Pricing · 5 tiers
App Development Costs & Features
We have prepared an approximate time and cost budget for you,<br/>enabling you to quickly launch the app to market and generate revenue within your budget.
Tier 01
20K - 40K
Simple Starter App (MVP)
~ 1 - 3 weeks
Displays information only (e.g., company information)
Simple, ready-to-use design
Only for Android
In one language (English or Chinese)
Tier 02
40K - 80K
Basic App with Key Features
~ 1 - 2 months
Payment Integration (e.g., Stripe)
Secure authentication (e.g., register, login)
Sends email updates (e.g., order confirmation)
Simple control panel for you to manage content (e.g., add products)
Tier 03Popular
80K - 140K
Enhanced App with More Features
~ 2 - 3 months
Customised design
Sends in-app notifications (e.g., order updates or promotions)
Supports up to 3 languages (e.g., English, Cantonese, Mandarin)
Advanced control panel to manage content and track activity
Tier 04
140K - 240K
Powerful Custom App
~ 3 - 4 months
Custom features for your needs
Tracks how users use the app and creates reports
Analyzes data to help you make smart decisions
Connects with other tools (e.g., marketing or delivery services)
Tier 05
240K or Above
Enterprise Custom App
~ 4 - 6 months
Smart AI features (e.g., personalized suggestions or chatbots)
Real-time updates (e.g., live inventory, instant user actions)
Handles thousands of users with lightning-fast performance
Seamlessly connects with tools like social media, analytics, or CRM
Works on both iOS and Android
Staff accounts with different access levels (e.g., manager vs. staff)
Permission settings to control which pages customers can view or use (e.g., restrict certain features to specific users)
Detailed control panel for managing everything
Advanced control panel with powerful reports to boost your business
