Dagangku AI
Track Profit, Qualify
Hi IH, first post here. I'm Weida, based in Bali, Indonesia. My primary business is a web agency (Dewata Tech), and DagangKu AI is a side project funded through P2MW, a non-dilutive government grant for student entrepreneurs, built with a small team called SUBAK CODE.
The problem: many Bali F&B and tourism micro-merchants can't qualify for KUR (a subsidized government loan) because they lack proper financial records, not because their business is unprofitable. Two funded local competitors, BukuKas and Lummo, built bookkeeping apps for this segment and both went bankrupt. The likely cause was subscription-only pricing rather than the recording feature itself; willingness to pay for tracking alone is low among micro-merchants.
DagangKu AI's current version lets merchants record transactions manually and generates the financial reports banks require for KUR applications. WhatsApp-based input (chat or photo) is not yet built. Payment will run through QRIS/GoPay/OVO rather than cards, since card penetration among micro-merchants is roughly 5%.
Current status: registered users, zero paying customers. That's the real number, not a projection. The next milestone is one merchant paying for the outcome (loan-readiness), not the free tracking feature.
Question for this community: has anyone validated outcome-based pricing in a market with low digital payment penetration? What worked for you?
1 Comment
What stood out to me is that you're treating bookkeeping as a means to an outcome rather than the product itself.
Most accounting tools sell better records. You're helping merchants become loan-ready, which is a much more tangible reason to adopt the product. That shift from tracking activity to unlocking opportunity is a very different value proposition.