Now in early access · Built for the IDX

The investing app
that argues
with you

Finch reads the filings, builds the bull and bear case, then debates your thesis — every claim cited to primary IDX sources. The analytical firepower of an institutional desk, pressure-tested by a community that keeps you honest.

Sign Up See it argue

Analysis, evidence & education — not investment advice. Every claim traces to a filing.

9:41
BBRI Bank Rakyat Indonesia
4,210 +1.8%

AI Debate

Live
BULL CASE Strong

Net interest margin expanded to 7.9%, up 40bps QoQ on a richer micro-loan mix.

FACT Q3’25 Filing
BEAR CASE Watch

Cost of credit ticking up; restructured loans still 6.1% of the book.

CONSENSUS OJK Report
9:41
TLKM Your thesis · Telkom
At risk
58 Thesis
health
AI Devil’s Advocate

Your thesis assumed ARPU recovery — but Q3 ARPU fell 2.3% QoQ. The original reason to own may be breaking.

SPECULATION vs your note · Apr 12
R @rangga Analyst 8.4

“Fixed-broadband subs offset mobile ARPU.” cited

900+ IDX stocks covered
15yrs of financial history
100% claims cited to filings
24/7 AI devil’s advocate
About

Most investing apps tell you what to think.
Finch teaches you how.

Finch is a collaborative investing platform that gives every Indonesian retail investor — beginner to pro — the analytical power of an institutional analyst, paired with an AI that both works for you and argues with you.

Why we exist

Retail investors in Indonesia are drowning in noise and starved of judgment. The market is flooded with tips, signals, and dealer-tracking tools that hand you a verdict and ask you to trust it. Filings go unread, hype outweighs evidence, and when a position goes wrong, no one remembers why they bought it.

Finch exists to change that — research becomes judgment, noise becomes insight, and the quality of an idea wins over the volume of its hype.

  • Research Judgment
  • Noise Insight
  • Hype Evidence

Mission

To equip Indonesian retail investors with an AI that reads financial reports, builds the bull and bear case for any stock, and offers a reasoned directional view backed by evidence — then debates their thesis, fact-checks the community against real filings, and scores ideas on merit.

Vision

An Indonesia where every investor can think like an institutional analyst — where filings are read in seconds, every claim is checked against evidence, and quality wins over hype.

What we believe

Principles, not slogans

The same values that shape every screen also shape how the AI reasons, cites its sources, and holds itself accountable.

  • Show the reasoning

    Every answer exposes its chain of logic and the evidence behind it — no black boxes, no “just trust me.”

  • Label what's known

    Each claim is marked fact, consensus, or speculation — so you always know how solid the ground is.

  • Ground it in filings, not vibes

    Claims trace back to primary IDX filings and statements. A missing figure is reported as missing — never quietly invented.

  • Educate, don't create dependence

    Finch explains the “why” behind every view, so each session leaves you a sharper investor — not a more dependent one.

  • Analysis & education — not advice

    Finch provides analysis, evidence, and education, not personalized investment advice, in keeping with OJK guidelines. The decisions are always yours.

Features

Everything an institutional desk has.
Built for every investor.

Ten capabilities that turn raw filings into reasoning — and your gut call into a pressure-tested thesis.

AI bull/bear case synthesis

Two structured cases — the strongest argument for and against — built side by side from the same body of evidence. Never blended prose: every claim is labeled fact, consensus, or speculation and linked to a primary IDX source.

FACT CONSENSUS SPECULATION

AI thesis debate

Write your own thesis and Finch plays devil's advocate — decomposing your argument into its underlying assumptions and challenging the ones that don't hold up, with a citation behind every objection.

AI credibility layer

A fact-checking layer runs beneath every conversation, testing each claim against real filings — yours, the AI's, and the community's — so hype is separated from what the numbers actually support.

Reasoned directional view

An evidence-backed lean on any stock with the full reasoning chain shown — not a black-box signal. You see every step and source behind the view, so you can judge it for yourself.

Scenario & probabilistic modeling

Bull, base, and bear outcomes modeled and stress-tested against the numbers — a range of what could happen with rough likelihoods attached, not a single confident guess.

Filings & earnings analysis

Ingests earnings reports and financial statements and extracts what matters — key metrics, period-over-period changes, and the details buried in the footnotes — in seconds instead of hours.

Thesis health tracking

Records the original reason you bought each holding and tracks it over time — then actively tells you when that reason breaks, so you're never flying blind on a position whose logic has quietly expired.

Logs the “why” Alerts when it breaks

Filtered & personalized news

Surfaces only the news that's material to your actual holdings and open theses, and filters out the noise around them — so the feed becomes a signal instead of a distraction.

Plain-language translation

Dense financial jargon explained on demand, in language a beginner can act on — every term and metric translated the moment you need it, so nothing stays a black box.

Stock selection, sorting & comparison

Screen and sort across the IDX, then run peer and comparative analysis — two names in a sector or commodity peers placed head to head on the metrics that matter.

Our Edge

Argue with an AI that has read everything

Point Finch at any stock and it reads the filings, earnings releases, and statements, then builds two structured cases side by side — the strongest argument for owning it and the strongest against — every claim grounded in a real filing and labeled fact, consensus, or speculation. Then it stops summarizing and starts arguing: write your own thesis and Finch plays devil’s advocate, breaking it into its underlying assumptions and citing a primary source for every objection.

  • Bull & bear, side by side

    Two distinct, structured cases — never blended prose — so you see both edges of every trade.

  • A credibility layer underneath

    Fact-checks claims against actual filings and scores the quality of an argument — not its popularity.

  • A range of outcomes, not one guess

    Bull, base, and bear scenarios, each stress-tested against the numbers so you can weigh what could happen.

BBRI 3 modeled scenarios
CITED
BULL · +28% 34% likely

NIM holds above 7.5% as micro-loan mix keeps expanding.

BASE · +6% 48% likely

Margins flat, credit costs normalize in line with guidance.

BEAR · −19% 18% likely

Restructured loans sour; cost of credit re-rates higher.

Q3’25 Filing OJK Report
How It Works

Do the analyst’s homework in seconds

Finch ingests earnings reports, financial statements, and filings and extracts what matters — key metrics, period-over-period changes, and the details buried in the footnotes — so you understand a company in seconds instead of hours.

Extract what matters

Key metrics, QoQ and YoY changes, and the footnote details most readers miss — pulled straight from the source.

Only material news

Surfaces the news that actually moves the stocks you follow, and filters out the noise around them.

Plain language

Translates jargon and dense financial language into terms a beginner can act on with confidence.

Screen & compare

Sort, screen, and run peer and comparative analysis across the IDX — two names in a sector or commodity peers head to head.

THESIS HEALTH

It tracks the “why” behind every holding

People forget why they bought something, then can’t tell whether a position has genuinely broken or is just temporary noise. Finch records the original thesis for each holding and tracks its health over time — actively telling you when the reason you owned a stock no longer holds.

Community

Investing as a team sport

Every competitor is built for the solo investor; Finch is built around a community. It hosts structured discussion organized by stock — research, theses, and debate anchored to specific companies instead of buried in a scattered feed — and deliberately puts professional-grade investors in the same room as beginners.

Post an idea and the community, backed by Finch’s fact-checking, pressure-tests it against the filings and against opposing views. Weak reasoning gets exposed early; strong reasoning earns credibility that’s verified rather than just upvoted — the opposite of an echo chamber.

ASII · Debate Structured · 41 theses
Open
D @dewi Analyst 9.1

Heavy-equipment cycle has peaked — coal capex guidance is rolling over into FY26.

CONSENSUS Annual Report
B @budi Analyst 7.6

Auto segment offsets it — 4W market share back above 56% this quarter.

FACT fact-checked

Finch verified 2 of 3 claims against filings. One figure could not be sourced — flagged as unverified.

Pricing

Start free.
Go deeper when you're ready.

Free during early access. Pick the plan that matches how seriously you take your portfolio.

Starter

For curious investors getting started with evidence-based analysis.

Free forever
  • 5 AI debates per month
  • Bull & bear cases for any IDX stock
  • Basic thesis health tracking
  • Community read access
  • – Unlimited AI debates
  • – Scenario modelling (bull/base/bear)
  • – Verified track record
Get started free
Most Popular

Pro

For active investors who want the full analytical edge — and the AI arguing back.

Rp 99k / month
  • Unlimited AI debates
  • Bull & bear cases for any IDX stock
  • Full thesis health tracking & alerts
  • Scenario modelling (bull/base/bear)
  • Community post & debate access
  • Peer & sector comparison tools
  • – Verified track record & scoring
Sign Up

Analyst

For serious investors who want the full stack — accountability included.

Rp 249k / month
  • Everything in Pro
  • Verified public track record
  • Analyst scoring & leaderboard
  • Portfolio-level thesis health
  • Priority AI response & new features
  • Export reports (PDF)
  • Priority support
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All plans are free during early access · Pricing takes effect at general availability · No credit card required