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Indonesia & Poland
Technology & The Future
Who am I?
Who am I?
Piotr Jakubowski
@piotrj
Born in Indonesia
Finished primary education in
Indonesia
University & work career in
Chicago, New York & Tokyo
Native Bahasa Speaker
Who am I?
Returned to Indonesia in 2011
Specialization in digital advertising
industry (Strategist & General
Manager)
Silent investor & advisor in startups
doing business in Indonesia
Advisor with SHARE Foundation
since 2014
Share Foundation
As the name implies –
SHARE Foundation is to
share polish information
technology as well as
knowledge and
experience of polish
developers and coders
with Southeast Asia, as
we believe that good
once shared, comes back
from recipents sooner or
later, so we warmly
welcome and support SEA
IT in Poland too.
In order to put into
practice the idea, we
have formed SHARE as a
non-profit Organization -
specifically to faciliate
the transfer of
information technology
and human resources
between Southeast Asia
and Poland, as a main
activity.
More about us:
www.sharefoundation.co
Indonesia: Quick Facts
Indonesia & Poland: Technology & The Future
JAVA
143 million people
1,117/km2
POLAND
38 million people
123/km2
JAKARTA
30 million people (11m city)
4,383/km2
(14,440/km2
city)
WARSAW
2.6 million (1.7m city)
631/km2
(3,304/km2
city)
JAKARTA
30 million people (11m city)
4,383/km2
(14,440/km2
city)
POLAND
38 million people
123/km2
Indonesia & Poland: Technology & The Future
26 MILLION MOTORCYCLES
Digital & Tech
Landscape
POPULATION: 255 MILLION
ACTIVE INTERNET USERS: 72 MILLION
ACTIVE SOCIAL MEDIA ACCOUNTS: 72 MILLION
MOBILE PHONE CONNECTIONS: 305 MILLION (128%
PENETRATION)
ACTIVE MOBILE SOCIAL CONNECTIONS: 62 MILLION
SOURCE: WE ARE SOCIAL
DIGITAL NATIVES
OVER 50% OF INDONESIA’S POPULATION IS UNDER THE AGE
OF 30
SOURCE: APJI, PROFIL INTERNET INDONESIA 2012
TIME SPENT WITH MEDIA - DAILY
AVERAGE INTERNET USE (PC): 5H 06M
AVERAGE INTERNET USE (MOBILE): 3H 10M
AVERAGE SOCIAL MEDIA USE: 2H 52M
TELEVISION VIEWING TIME (INTERNET USERS): 2H
29M
SOURCE: WE ARE SOCIAL
INTERNET USAGE
ACTIVE INTERNET USERS: 72 MILLION
INTERNET PENETRATION: 28%
ACTIVE MOBILE INTERNET USERS: 54 MILLION
MOBILE INTERNET PENETRATION: 21%
SOURCE: WE ARE SOCIAL
SHARE OF WEB TRAFFIC
DESKTOP/PC: 45%
MOBILE: 50%
TABLET: 4%
OTHER: 0%
SOURCE: WE ARE SOCIAL
ONLY ONE WORD MATTERS
MOBILE
MOBILE PHONES
NUMBER OF SUBSCRIPTIONS: 308 MILLION
MOBILE PENETRATION: 128%
PERCENTAGE OF PRE-PAID CONNECTIONS: 99%
PERCENTAGE OF POST-PAID CONNECTIONS: 1%
PERCENTAGE OF 3G/4G CONNECTIONS: 34%
SOURCE: WE ARE SOCIAL
MOBILE ACTIVITIES
SOCIAL MEDIA APP USE: 14%
MOBILE VIDEO WATCHING: 11%
MOBILE GAME PLAYING: 10%
LOCATION BASED SEARCH: 9%
MOBILE BANKING USAGE: 11%
SOURCE: WE ARE SOCIAL
LET’S TAKE A LOOK AT
SOCIAL MEDIA
SOCIAL MEDIA ACCOUNTS
SOURCE: WE ARE SOCIAL
TOP ACTIVE PLATFORMS
TOP ACTIVE PLATFORMS
E-COMMERCE BY DEVICE
SOURCE: WE ARE SOCIAL
Digital & Tech Landscape:
E-Commerce
Indonesia & Poland: Technology & The Future
Indonesia & Poland: Technology & The Future
Indonesia & Poland: Technology & The Future
Indonesia & Poland: Technology & The Future
70% OF E-COMMERCE
ORIGINATES FROM
RURAL AREAS
SOURCE: TECH IN ASIA
Indonesia & Poland: Technology & The Future
Indonesia & Poland: Technology & The Future
Indonesia & Poland: Technology & The Future
78% - FASHION
46% - GADGETS
43% - ELECTRONICS
39% - BOOKS & MAGAZINES
24% - GROCERIES
Indonesia & Poland: Technology & The Future
Indonesia & Poland: Technology & The Future
Digital & Tech Landscape:
FIN-TECH
Per capita GDP and Internet penetration percentage
Developed Market
20%
of retail shopping
is online
Emerging Market
<1%
of retail shopping
is online
Indonesian e-commerce and online transactions
in general is still newly nascent.
43
80 mil
Internet users
55 mil
Consumers joining
middle class
35% growth
in mortgage lending
Indonesia’s demographic bonus.
Millions of young people joining the middle class, going online
and beginning to save and consume.
$ 565 bio
Forecasted size of
savings and
investment market in
2030
50%
of population is
under 30 years of age
24% growth
in insurance
premiums
26% growth
in consumer lending
22% growth
in Credit card
transaction value
Before e-
commerce
After e-
commerce
Macro story: technology-
enabled society evolving
from “push” to “pull” with
the individual dictating
what, when, where and how.
45
Connectivit
y
Logistics,
Human
Capital, and
Last Mile
Payments
Structural Root
Issues…
Paper-
based
systems
Lack of
infrastr
ucture
Antiquat
ed
regulati
on
Low
Trust,
poor
consume
r
protecti
on
PoorPoor
nationalnational
educatioeducatio
nn
standarstandar
dsds
Growth constraints for Internet business in
Indonesia
46
But the winds of change are
blowing…
ICT
Initiative
s
eServices
Business-
friendly,
from our
industry,
open to
innovation
Mobile
Payment
eVoting,
eTax,
eApplicatio
ns,
eHealth
1,000,000 families to
get Cash Aid USD
20/month
Distributed via Mobile
SIM Card!
#SUPERCARD
48
E-
Money
vs
Paper/
plastic
P2P
paymen
ts
vs
Cash
Custome
r
data
safety
Vs
No
custome
r
data Big
data
analyti
cs
vs
Guess
work
Persona
lized
product
s
vs
One size
fits all
Lower
loss
rates
vs
High
NPLs
Faster
transa
ctions
vs
Go to
branch
E-
Applica
tions
vs
Wet
signatu
re
FINANCIAL
TECHNOLOGY
Financial Technology is a structural pillar that enables
scalable innovation.
49
NOT THIS INNOVATION
NOT THIS INNOVATION
CLOSER TO HOME
51
kyat Indonesia (BRI) :
vans + 10K permanent branches
micro lending alone (7M micro credits customers)
pportunity : USD 50B/year
ng is proxy for branchless banking with massive op
FinTech-enabled innovation –
what is needed?
Full-service branchless banking, microfinance,
inclusion
52
BANKED:
40% of Indonesian Adults
1600 microbanks, few hundreds multi finance
FinTech-enabled innovation –
what is needed?
Credit Scoring for Banked and Non-Banked Data Sources
UNBANKED:
60% of Indonesian Adults
53
FinTech-enabled innovation –
what is needed?
True Digital & Mobile Payment
5454
BBM
MONEY
FinTech-enabled innovation –
what is needed?
P2P payments and money transfers
55
Consumer lending market : USD 120B (12% CAGR)
Retail Insurance : USD 40B (15% CAGR)
Life Insurance : USD 20B
FinTech-enabled innovation –
what is needed?
Online Comparison, Brokerage & Transparency
56
Center for Middle Class Consumer
Studies /CMCS (2013):
“The wealthier Indonesian moslem are, the more religious
they become”
87%
of middle class
in Indonesia are
Moslem
2012
(mn people)
2020
(mn people)
Jump 26.6mn
Jump 26.1mn!
Jump 36.2mn!
BCG Report
FinTech-enabled innovation –
what is needed?
Indonesian Moslem Middle Class Consumer
57
rently only has around 5% market size
Islamic Banks are growing faster than
Conventional Banks in Indonesia
Statistik Perbankan Syariah 2014
58
Structura
l
solutions
for the
e-
commerce
industry
Enable
creative
producers
like games
and music
to gain
truly
mass
distributio
Enable
developme
nt (mass
market
remains
largely
unbanked)
Impact of fintech
Enable
SMEs and
the small
businessm
an
Digital & Tech Landscape
Mobile
Indonesia & Poland: Technology & The Future
Indonesia & Poland: Technology & The Future
Indonesia & Poland: Technology & The Future
Indonesia & Poland: Technology & The Future
Indonesia & Poland: Technology & The Future
Knowledge sharing:
Polish ict in indonesia
Polish ICT
in Indonesia
Indonesia & Poland: Technology & The Future
Indonesia & Poland: Technology & The Future
Indonesia & Poland: Technology & The Future
Indonesia & Poland: Technology & The Future
Indonesia & Poland: Technology & The Future
Indonesia & Poland: Technology & The Future
„There are two reasons why I believe
Indonesia is one of the most important
markets to enter. From hiring
standpoint, there is already a
substantial amount of talent based in
Indonesia. More importantly,
Indonesia is a booming economy.
Early presence might convert to a
leadership status in following years
for any company entering Indonesian
market.”
„Poland is known for big number of
excellent engineers and Polish
companies - for ability to build great
products and outstanding IT solutions.
Indonesia on the other hand, is a
growing, booming market which has a
great need for technology to solve
even the most simple challenges.”
Doing Business
in Indonesia
„Developing a
startup in
Indonesia is fun.
Emerging
markets tend to
have relatively
high barriers to
entry, but these
can be
construed as a
competitive
advantage to
those savvy
enough to
successfully
navigate them.”
7 challenges of ict business in indonesia
1. Infrastructure
17,000 Islands, lack of roads, transport, etc
1. Infrastructure – connectivity
300 million mobile connections, more data
2. Fragmented audiences
17,000 islands, 700 languages, 300 ethnicities, 6 religions
3. E-Payments
distrust of online payments, cod and transfers still rule
Indonesia & Poland: Technology & The Future
8 million credit card holders in indonesia
4. Permits & Regulations
53 business days to set up a company (Poland: 30)
107/175 on transparency.org corruption index (Poland: 35/175)
5. Enforcing contracts
Indonesia ranks 114 of 185 according to world bank “Doing
Business” Rankings
6. Talent
good talent is difficult, but not impossible to find
currently, only 36,000 students are studying abroad
7. People business
indonesians are a very collectivistic society, and favor personal
relationships (both clients and employees)
The good news:
Opportunities for ICT in indonesia
1. Growth potential
20% of population is online…
2. Government support
ICT Minister Pledges $1 billion support for startups
3. Technology is the solution
17,000 Islands, lack of roads, transport, etc
3. it’s working…
jakarta – smart city
3. it’s working…
go-jek: Formalizing the “ojek” industry
3. it’s working…
go-jek: Formalizing the “ojek” industry
Indonesia & Poland: Technology & The Future
3. it’s working…
co-working spaces: Jakarta
3. it’s working…
co-working spaces: BALI
THANK YOU & LET’S
DISCUSS

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Indonesia & Poland: Technology & The Future

Hinweis der Redaktion

  1. Remarks: Islamic Bank in Indonesia has only reached around 5% in its market size, (e.g.: Islamic Banks found it is difficult enough to build branch offices in regional area due to its limited capacity to expand (lack of HR and capital, etc), even we can see that there is not enough ATM in big cities)
  2. Remarks: Islamic Bank in Indonesia has only reached around 5% in its market size, (e.g.: Islamic Banks found it is difficult enough to build branch offices in regional area due to its limited capacity to expand (lack of HR and capital, etc), even we can see that there is not enough ATM in big cities now)
  3. Difficult to do business Need a local partner XX Days to set up a company Foreign talent laws are constantly changing
  4. Local partners are essential
  5. There will be a scarcity of talent, as more and more companies come in and crowd the industries
  6. VML Sharing – business failure when being run out of singapore Sharing – makan2 after winning business Company Outing is one of the most important parts of working in a company