11/02/2026
In a lot of neighborhoods, the “bank” is the warung or kiosk at the end of the street.
People top up e-money, buy data, pay bills, or add driver balance while they chat, buy snacks, or wait for a ride.
As more payments move into apps, that habit does not disappear. Many customers still rely on a person they know, in a place they already trust. At the same time, kiosk owners and drivers who provide these services often work with thin margins and very manual ways of tracking income. If the math does not add up for them, access shrinks for everyone else.
In this project with GrabKios, we focused on that side of the story:
how to make digital transactions feel inclusive by making them sustainable for the people on the ground.
We designed clearer tools for agents to set profit margins by category, see revenue, costs, and net profit in one view, and opened an easier path for drivers to join as digital product sellers and earn extra income.
When money tasks can be done where people already feel comfortable, participation grows on its own.
If you are exploring similar questions around inclusion and everyday transactions, we would be happy to chat. Drop us a message!