Fintech in Indonesia:Trends and Projections

January 2017

Digital paymentsUSD 18,61

miliar

Business finance

USD 14 juta

Personal finance

USD 20 juta

Estimasi Nilai Industri Fintech Indonesia – (Riset Statista tahun 2017)

Covered NotCovered

• Online processed payment transactions

• Mobile payments processed via smart devices at point-of-sale

• Cross-border peer-to-peer payments• Digital consumer commerce

transactions (e.g. credit card, online payment providers etc.)

• mPOS solutions (dongle payments) for card payments or mobile card readers

• Domestic peer-to peer transfers & social payments

• Business-to-business payments• Electronic banking (e-Banking)• Provision fees from payment

providers

• Covered NotCovered

• Alternative financing for SMEs and freelancers

• Marketplace lending from private or institutional investors (non-banks)

• Equity-based crowdfunding (or crowd-investing)

• Traditional bank loans• Donation-based and reward-

based crowdfunding• Traditional venture capital

investments by institutional or private investors

• Covered NotCovered

• Peer-to-peer lending platforms (marketplace lending)

• Robo-advisors (automated wealth management services)

• Bank loans and metasearch engines for credit and insurance offers

• Non-automated financial advisory, financial planning or broker services

• Personal finance management services (PFM) and budgeting manager

Total nilaitransaksi18,64 miliarUSD

• https://www.statista.com/outlook/295/120/fintech/indonesia

Digital Payment

Personal Finance

Fintech (all sectors)

Business Finance

Proyeksi Industri Fintech Indonesia – (Riset Statista tahun 2017)

Source : statista.com

CURRENT STATE AND POTENTIALS OF FINTECH IN INDONESIA

FinTech Transaction THE NEEDS OF CREDIT FOR DEVELOPMENT

THE STATE OF FINANCIAL INCLUSION IN INDONESIA (2014)

15.02 billion

37.12billion

49 millionunits of SME are unbankable

Rp 988 trilliongap of development financing

Rp.150 billion

P2P lending is currently still under

bank account owners

Penetration of bank branch per 100,000 populations

Is only 1/6 of penetration level in European countries

36%

Identified number of company: 135

CURRENT STATE AND POTENTIALS OF FINTECH IN INDONESIAo The profile of current FinTech companies are still dominated by payment companies o Majority of these companies have less than 2 years of operation

IDENTIFYING THE NEEDS FOR REGULATIONS(WITH DELOITTE CONSULTING)