/ 01 — The problem
What was broken.
Existing payment apps assumed flagship phones, 4G, and English-literate users. Pikko's market — neighborhood warungs across Java and Sumatra — had none of that. Adoption was stalled at 12k merchants.
←Back to work
/ 04pikko·2022 — 2024
Mobile app · 2024
Pikko.
A mobile payments app for Indonesian warungs — built for low-end devices, flaky connections, and merchants who've never used an app before.
// previewPikko
merchants onboarded80k+
APK size12MB
P95 tx latency · 3G1.4s
languages supported6
/ 02 — The approach
How I tackled it.
Optimized for 2017-era Android devices. Offline-first sync. Icon-driven UI with Bahasa Indonesia + 5 regional languages. Trained 60+ field agents to onboard merchants in person; built an in-app QR-based handoff to make that fast.
/ 03 — The outcome
What shipped.
80k+ merchants onboarded in 14 months. App size under 12MB. P95 transaction latency 1.4s on 3G.
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