logo GajiGesa


First in APAC, GajiGesa Launches Earned Wage Access on WhatsApp

Over 100+ million Indonesian lower-middle income workers live paycheck-to-paycheck and there are over 68+ million Whatsapp users in the country.

Singapore/Jakarta, 6 October 2022 – GajiGesa, Indonesia and Southeast Asia’s leading Earned Wage Access (EWA) platform, has announced the launch of its services on WhatsApp to provide millions of workers in Southeast Asia with a fast, secure, and convenient way to access their earnings in real-time. With this launch, GajiGesa becomes the first and only employee wellness and financial benefits company in Asia-Pacific to offer salary-on-demand on WhatsApp.

GajiGesa enables employers to allow their employees to access a portion of their salaries as they earn it, in real-time, between traditional (end-of-month) pay cycles. With the launch on WhatsApp, more employees across Indonesia can seamlessly access their accrued salaries anytime and anywhere, in seconds, at the push of a button.

As the preferred employee benefits & financial wellness solution in Indonesia, GajiGesa currently partners with over 300+ enterprises and serves over 750,000+ employees. With GajiGesa now available on WhatsApp, its powerful Earned Wage Access (EWA) solution can now be accessed by millions of workers who are more comfortable with using WhatsApp. Less tech-savvy users can get started by simply sending a Whatsapp to GajiGesa from their registered mobile number. The intuitive interface guides users through a quick onboarding and allows them to start transacting securely in seconds. 

earned wage access via whatsapp

Comments on Earned Wage Access on Whatsapp

Martyna Malinowska, co-Founder, GajiGesa said, “Over 70% of Southeast Asia’s adult population lives with limited financial access. Indonesia for example is home to over 6% of the world’s unbanked population. For decades, these markets have been plagued by low levels of financial literacy, no formal credit bureaus resulting in poor or no credit data, and significant infrastructure constraints. We are excited to spearhead the effort to ensure innovative financial services powered by technology have the potential to accelerate financial inclusion at an unprecedented scale. Whatsapp’s penetration in markets like Indonesia will help GajiGesa make Earned Wage Access even more reachable to millions across Southeast Asia.”

GajiGesa’s industry-first Earned Wage Access solution via WhatsApp has already allowed thousands of employees in Indonesia to better manage their finances and meet their daily needs without resorting to predatory lenders or expensive payday loans, reducing stress while increasing motivation and engagement at the workplace. 

Testimonials on Earned Wage Access on Whatsapp

One of the users, Mrs. Uke, PIC Citra Insan Mandiri said “With this new feature, I can see my balance and can make withdrawals directly to my account in seconds. It’s extremely practical and easy to use.”

In Indonesia, for example, nearly 1 in 3 people live paycheck to paycheck and an even larger number struggle to survive with limited or no access to credit. The uncertainty around the depth and duration of global economic headwinds and increasing inflation means growing pressure on workers everywhere to meet their basic daily financial needs. As Fintech and HR-tech solutions like GajiGesa have grown in popularity, an increasing number of companies are embracing these innovative solutions to drive improvements in employee morale, financial health, engagement and productivity.

About GajiGesa


GajiGesa is Southeast Asia’s fastest-growing holistic employee wellness platform committed to helping millions of workers take control of their financial lives with dignity. The GajiGesa app provides member employees with earned wage access, financial education, and other financial management tools to improve their long-term financial health responsibly. It also empowers partner employers with a workforce management solution and an enterprise-grade HR analytics platform to manage tracking, payroll and improve employee productivity, engagement, and retention by reducing financial stress for their teams. GajiGesa has partnered with over 300+ employers and serves over 750,000+ users across Indonesia. 

The company last raised an oversubscribed US$ 6.6 million pre-Series A funding round in November 2021, led by MassMutual Ventures, with participation from new investors including January Capital, Wagestream, Bunda Group, Smile Group, Oliver Jung, Northstar Group partners including Patrick Walujo, Nipun Mehra (CEO, Ula), and Noah Pepper (Head of APAC, Stripe), amongst other prominent angels. Existing investors including defy.vc, Quest Ventures, GK Plug and Play, Next Billion Ventures also participated in the round.  

GajiGesa was founded in mid-2020 by Martyna Malinowska (formerly Product Lead at Standard Chartered Bank, Product Director at LenddoEFL) and Vidit Agrawal (formerly Head of Business Development APAC at Stripe, COO at CARRO, and first employee at Uber in Asia). The company is headquartered in Singapore.

Hubungi Kami