TOMORO Coffee: Building Cash Flow Transparency with DOKU Sub Account

A Business Growing Fast with Increasing Financial Complexity

Tomoro Coffee is one of the fastest-growing coffee brands in Indonesia. With more than 400 outlets across the country, managing financial operations became more challenging. Previously, outlet transactions were handled using personal bank accounts, which made it difficult for the central team to maintain transparency and control.

Key Challenges

The finance team faced several issues that impacted daily operations and long-term governance:

• Outlet funds were mixed with personal accounts, creating a risk of misuse
• Daily transaction tracking was manual and time-consuming
• Financial reports lacked accuracy and real-time visibility
• Trust between head office and outlet teams was difficult to maintain

The Turning Point

To solve these problems, Tomoro Coffee implemented DOKU Sub Account, a payment infrastructure that allows centralized and structured fund management.

With this solution, Tomoro Coffee was able to:

• Assign a dedicated wallet account to each outlet
• Automatically distribute operational funds from the head office
• Track all transactions in real time using a unified dashboard
• Generate daily financial reports to simplify reconciliation

Supporting Outlet Operations with Wallet Features

Each account under DOKU Sub Account is equipped with wallet functionality that helps support real business needs. For Tomoro Coffee, this means every outlet can receive and manage operational funds directly through its account, without the need to build a separate wallet system.

These wallet features provide:

• Secure and efficient fund distribution from the head office
• Real-time tracking of balances and spending at each outlet
• A flexible financial setup that fits a multi-branch business model

By using these capabilities, Tomoro Coffee improved the way they manage and oversee funds across all outlets.

The Results

After adopting DOKU Sub Account, Tomoro Coffee experienced:

• Clear and real-time visibility into outlet-level transactions
• Faster and more accurate audit and reconciliation processes
• Reduced risk of fund misuse or delays
• Stronger alignment and trust between finance and operations teams

A Scalable Approach for Growing Businesses

Tomoro Coffee’s story highlights the importance of a strong financial infrastructure for scaling operations. For businesses with multiple outlets, DOKU Sub Account offers a reliable way to manage funds with confidence, clarity, and full operational control.

Ready to simplify your outlet operations?

Contact our Sales team to explore how DOKU Sub Account can support your business.
👉 Talk to Sales

‍