W3O, is a software firm specializing in software solutions targeted at medium and large enterprises and the general public.We are a diverse group with associate companies in Jakarta, Singapore and Brunei.We offer services to create Mobile Applications, Web Applications, Business Analytics and Data Integration. As part of our business development plan, we have partnered and co-founded a Fintech startup and an e-Commerce startup.IN Financial Technology Holdings is a privately held Fintech, with humble beginnings as Cash-in-Asia and subsequently expanding our business through organic growth and acquisition in the region. We currently hold and operate 5 subsidiaries that are fully licensed and offering Lending, Digital Banking, Crowd Funding and remittance solutions to Micro and Small Enterprises (MSME) in SE Asia.Today, INFT as our flagship Community-Driven Digital Business Account, we provide simpler ways to manage, access, send and spend money in partnership with regulated payment service providers.