THE RISE OF DIGITAL BANK AND E-COMMERCE IN INDONESIA
Sự tăng trưởng của ngân hàng số và thương mại điện tử tại Indonesia
Summary:
Chính phủ Indonesia đã nhận ra tầm quan trọng của ngân hàng số và thương mại điện tử từ năm ngoái 2017. Tổng thống Jokowi đã thúc đẩy vừa đưa ra lộ trình về một nền kinh tế kĩ thuật số như nền kinh tế chính của quốc gia. Chính phủ cũng khuyến khích người dân không dùng tiền mặt để giao dịch. Thanh toán điện tử sẽ được thông qua các lộ trình có liên qua đến cổng thanh toán Quốc gia (NPG) thuộc quyền giám sát của ngân hàng Indonesia. Vậy nên hàng loạt các ngân hàng ở Indo như Ngân hàng Mandiri, Ngân hàng Mayapada và Ngân hàng OCBC NISP đã cam kết cho nỗ lực số hoá của họ.
With a population of more than 260 million, emerging middle class, and digitally savvy population, Indonesia is one of the most important internet markets in the world. According to report by We Are Social (shown below), the penetration of internet in Indonesia has reached 50% with 130 million internet users while mobile penetration has reached 67% with almost 178 million mobile users. This has caused a paradigm shift in banking and retail sectors. Customers have started to change the way
The government of Indonesia has
Bank Indonesia responded swiftly and NPG was launched last December. NPG was introduced to promote easy and affordable cashless transactions for the general public while at the same time enhancing customer protection by securing data for each transaction. Onny Widjanarko, the Head of Payment System Policy of Bank Indonesia, explained that when NPG has been operated fully, every person will own an NPG-card which can be used to do financial transactions nationally through different ATMs and EDCs without any additional costs. The launch of NPG is aligned with the vision of Bank Indonesia to promote cashless society through the central bank's initiative called the National Non-Cash Movement, launched in 2014.
Digital Bank and e-Commerce
Banks in Indonesia are ramping up investments in digital channels to keep up with an increasingly connected customer base. Bank Negara Indonesia (BNI), for example, allocated Rp2 trillion in 2017 for capital expenditure (
Other banks in Indonesia including Bank Mandiri, Bank Mayapada
Business intelligence and data analytics are another solutions that are highly sought after in the banking and e-commerce sectors. Banks such as Bank Danamon have implemented such solutions to enhance customer journeys and improve fraud detection. E-commerce players including Tokopedia,
Further in-depth discussions with key stakeholders from Indonesia BFSI and retail sector will be carried out at the 25th edition of Asia IoT Business Platform in Jakarta this August and this will include:
- Rudiantara, Minister, Ministry of Communication and Information Technology
- Onny Widjanarko, Head of Payment System Policy, Bank Indonesia
- Abdy Salimin, Director of Technology and Operations, Permata Bank
- Steven Calvin Victory, Vice President, iLOTTE
- Radityo Triatmojo, Head of Government Relations, Shopee Indonesia
https://www.linkedin.com/pulse/rise-digital-bank-e-commerce-indonesia-felix-fernando