Muslim Personal Assistant

Rida AssistanceWorship, Scheduled. Payments, Built In.

Name: Rida Assistance
Brand: Matajari

White-label software for an interactive Muslim scheduling app — prayer times by location, Al-Quran, daily prayers and reminders — with digital payments such as zakat, infaq and shodaqoh, delivered for your organisation to run under its own brand.

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Background

Indonesia is the largest Muslim country in the world.

229M Muslims in Indonesia (estimate)

87.2% of a population of 263 million.
Around 13% of the world’s Muslim population.

The five pillars of Islam

1

Shahada

Reciting the two declarations of faith.
2

Salah

Establishing the prayer.
3

Zakat

Paying zakat.
4

Sawm

Fasting in the month of Ramadan.
5

Hajj

Pilgrimage, for those who are able.

What we offer

An interactive scheduling app for Muslims, with digital payments built in.

Its goals

01

Schedule personal activities: prayer, fasting, reading the Quran and doa.
02

Share information on sunnah worship and Islamic celebrations.
03

Show prayer times based on the device’s location.
04

Provide and channel digital payment activity.

Why digital payments

Lifestyles changed. Payments followed.

As technology advances, digital financial innovation can no longer be ignored. Changing lifestyles create new needs, and digital financial services meet them.

67% of the population has access to the internet.

60% of the population uses a smartphone.

Source: Indonesia Fintech Report 2020, Fintech News Singapore, November 2020.

Under OJK regulation, digital financial innovation covers:

Transaction settlement
Capital raising
Investment management
Fund collection and distribution
Insurance
Market support
Other digital financial support
Other financial service activities

“Other digital financial support” includes, among others:

Islamic digital financing
e-waqaf
e-zakat
Social/eco crowdfunding
Robo-advice
Credit scoring

Source: Otoritas Jasa Keuangan (OJK) regulation, 2018.

Topology

Three parts, one ecosystem.

Communities use the Personal Assistant, merchants accept payments with the Business Suite, and the RIDA Switch routes every transaction between them and the institutions behind them.

RIDA Switching

01 Routes transaction data from one device or host to another
02 Maps data to match the destination and originating hosts
03 Verifies that the data is valid
04 Matches every request with its response
05 Matches every payment with its reversal
06 An online transaction processing (OLTP) system
07 Supports ISO 8583, NDC, DDC and more

How it works

Just ask. One tap, a two-way conversation.

RIDA integrates the phone’s own virtual assistant for more interactive scheduling: press one button and talk, and the assistant answers and acts.

Android Google Assistant An AI-powered virtual assistant by Google that can hold a two-way conversation.
iOS Siri Apple’s assistant that lets you use your voice to send messages, schedule meetings, make calls and more.

1Tap the button and speak
2The assistant replies
3RIDA opens where you need it

“I want to read Surah Al-Fatihah in RIDA.”

“Okay, opening RIDA.”

RIDA · Al-Fatihah

The Opening · 7 verses

Verse 1

بِسْمِ اللَّهِ الرَّحْمَٰنِ الرَّحِيمِ

Bismillāhir-raḥmānir-raḥīm

In the name of Allah, the Most Gracious, the Most Merciful.

Illustration of the voice flow.

The app

A look inside RIDA.

Pick a screen to see what users do there.

RIDA Home

Next prayer Asr 15:12 · Jakarta

Illustration with sample values.

Home

Shows the next prayer time, and menus that lead to every other page.

1 / 6

Digital payments

Giving, paying and sending, in the same app.

RIDA’s digital payments cover four kinds of transaction.

01

ZIS

Makes paying zakat, infaq and shodaqoh easier.
02

Transfer

Send e-money balance to another account.
03

PPOB

Buy mobile credit and data, or pay PDAM, PLN and Telkomsel HALO bills.
04

QRIS

Pay at RIDA merchants.

Paying with QRIS

1 Shop at a RIDA merchant
2 Scan the QRIS code
3 Pay through the RIDA app

PPOB uses the Matajari biller list: electricity, mobile credit and data, PDAM water and e-wallet top-ups. See PPOB →

Technology RIDA supports.

It runs on platforms your IT team already knows.

Operating systems

Linux
Windows

Linux Windows

Containerization

Docker

Docker

Web server & gateway

Kong
NGINX

Kong NGINX

Databases

MySQL
Oracle
PostgreSQL

MySQL Oracle PostgreSQL

Platforms & languages

Java EE
Spring Boot
Android
Python
Flutter

Java EE Spring Boot Android Python Flutter

Analytics

Superset
PySpark
scikit-learn
TensorFlow
Prometheus
Grafana

Superset PySpark scikit-learn TensorFlow Prometheus Grafana

Frequently Asked Questions

Everything you need to know about Rida Assistance.

A Muslim personal assistant: an interactive scheduling app for prayer, fasting, reading the Quran and doa, with prayer times by location, the Quran with transliteration, translation and audio, qibla direction, and digital payments.

No. Matajari provides the software. It is white-label: your organisation runs it and offers the app to its own community under its own name and brand.

Zakat, infaq and shodaqoh; transfers of e-money balance to other accounts; PPOB such as mobile credit, data and PDAM, PLN and Telkomsel HALO bills; and QRIS payments at RIDA merchants.

RIDA integrates Google Assistant on Android and Siri on iOS. With one tap, users can ask, for example, to read a surah, and the app opens on it.

Merchants such as restaurants, warung, workshops and salons use RIDA Business Suite, a POS with product, customer, stock, user, outlet and promotion management, transaction history and PPOB.

Rida AssistanceWorship, Scheduled. Payments, Built In.

Indonesia is the largest Muslim country in the world.

Lifestyles changed. Payments followed.

Three parts, one ecosystem.

Just ask. One tap, a two-way conversation.

A look inside RIDA.

Giving, paying and sending, in the same app.

ZIS

Transfer

PPOB

QRIS

Technology RIDA supports.

Frequently Asked Questions

Bring RIDA to Your Community.