5. Significant Majority of Tech Solutions are Targeted Towards the
Urban & Suburban Bankable Population
6. The Real Opportunity is What Lies in Between Cities: the Unbanked,
Underserved & Non Tech-savvy Indonesians
7. Indonesia’s Archipelago Geography Presents
Unique Challenges for Digital Ecosystem Growth
• The Problem: There is no effective, trusted way for
majority of the 175 million unbanked & underserved
Indonesians to transact online
• Trust: Lack of education, no cash on delivery (COD) for
non major cities
• Payment: Unbanked populations, lack of ATM in remote
areas
• Logistic: Slow & very expensive shipping to remote areas,
incomplete addresses
8. Kudo O2O Platform Allows Unbanked Population
To Transact Digitally via Kudo’s Agents Network
Kudo provides solution for the three major challenges in digital ecosystem
Kudo Services
1. O2O Platform for Product & Services
E-commerce, bill payments, cell phone top-ups,
banking & fin-tech products
2. Payment Acceptance & Cash Outs
Accept cash for digital transactions, transfer money
within network
3. Order Aggregations & Last Mile Delivery
Savings on shipping cost, plus handling item deliveries
to end-customers
Trust
Payments
Logistics
9. Our O2O Platform Leverages
Existing Network to Create Trust
Traditional transactions: Search & transact from unknown parties
Kudo-enabled transactions: Search & transact from someone you know & trust
10. Our First Priority: Establishing the Network
We capture huge underserved demand from
rural Indonesia and
focus on network effect
starting with low hanging demand