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Executing Digital Payment Strategy

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Describing about digital payment in Indonesia and encourage all player how to execute digital payment and consumer how to use digital payment - by Heru Sutadi

Publié dans : Technologie
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Executing Digital Payment Strategy

  1. 1. EXECUTING DIGITAL PAYMENT STRATEGY HERU SUTADI
  2. 2. DIGITAL PAYMENT Mobile and digital are changing the payment landscape fast, with new transaction types, payment methods, channels and technologies These developments are disrupting the traditional payment market
  3. 3. NEW PAYMENT New forms of payment in the digital age changing the way people pay The rise of e-commerce Benefits to the consumer and retailer Increasing mobile users Opportunity to make money from new channels and technology Supporting Cashless Society and Financial Inclusion
  4. 4. MOBILE MONEY  Mobile financial services was first implemented in 2001 by Mobipay in Spain, while mobile banking service has been given for years in some countries  Mobile money becomes the focus of attention because of this phenomenon a success in several developing countries  Statista—The Statistics portal—shows the worldwide mobile payment volume in 2015 was 450 billion U.S. dollars and is expected to surpass 1 trillion U.S. dollars in 2019  There are three main types of financial services: mobile money transfer, mobile banking and mobile payment
  5. 5. MOBILE MONEY – PAYMENT & BANKING
  6. 6. MARKET CHALLENGES Although the market is well established, there are a number of barriers currently restricting it from reaching its full potential and fulfilling the basic consumer needs: Services Reliability Security Simplicity Rewards
  7. 7. RESHAPING DIGITAL PAYMENT Contactless adoption Retailer Apps Mobile Point of Sale (M-POS) solution Realtime payment Micropayment Cloud based payment End-to-end purchase integration Crypto-currencies  the digital payment landscape is changing both online and offline at a brisk pace
  8. 8. DIGITAL PAYMENT ECOSYSTEM Digital payment ecosystem builds on the traditional payment infrastructure with an expanded value chain incorporating the following players: Customer Merchant Acquirer Card Issuing Bank (CIB) Payment solution company Mobile Network Operator Trusted Service Manager Mobile Handset Manufacturer UICC Manufacturer Terminal/Reader Manufacturer NFC chip manufacturer IC chip manufacturer
  9. 9. DIGITAL MONEY IN INDONESIA  Electronic money provider shall submit the license based on Bank Indonesia Regulation (PBI) No.11/12/PBI/2009 dated April 13, 2009 on Electronic Money and Circular Letter of Bank Indonesia (BI SE) 11/11/DASP on Electronic Money is Principal, Issuer, Acquirer, Clearing and Final Settlement Operator  There are 20 e-money provider
  10. 10. DIGITAL MONEY TRANSACTION Transaction Source: Bank Indonesia, 2016
  11. 11. MARKET FOR DIGITAL PAYMENT Market for digital payment transformation is defined by cash payments and card transactions
  12. 12. FACTORS IN EXECUTING DIGITAL PAYMENT STRATEGY Set one strategy and governance across the bank Focus on connectivity soutions between consumers and merchants Fix and integrate the core payment systems Deliver fast and with low investment Build a radically new execution capability Leverage existing and emerging technologies Build digital payment propositions for mass adoption, and then target niches Let customer use their account directly in digital purchases
  13. 13. Thank You… Heru Sutadi Email: hersut@outlook.com Twitter: @herusutadi

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