indonesia & poland: technology & the future
TRANSCRIPT
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Indonesia & PolandTechnology & The Future
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Who am I?
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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
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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
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Share Foundation
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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.
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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
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Indonesia: Quick Facts
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JAVA143 million people1,117/km2
POLAND38 million people123/km2
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JAKARTA30 million people (11m city)4,383/km2 (14,440/km2 city)
WARSAW2.6 million (1.7m city)631/km2 (3,304/km2 city)
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JAKARTA30 million people (11m city)4,383/km2 (14,440/km2 city)
POLAND38 million people123/km2
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26 MILLION MOTORCYCLES
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Digital & Tech Landscape
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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
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DIGITAL NATIVESOVER 50% OF INDONESIA’S POPULATION IS UNDER THE AGE OF 30
SOURCE: APJI, PROFIL INTERNET INDONESIA 2012
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TIME SPENT WITH MEDIA - DAILYAVERAGE INTERNET USE (PC): 5H 06MAVERAGE INTERNET USE (MOBILE): 3H 10M
AVERAGE SOCIAL MEDIA USE: 2H 52M
TELEVISION VIEWING TIME (INTERNET USERS): 2H 29M
SOURCE: WE ARE SOCIAL
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INTERNET USAGEACTIVE INTERNET USERS: 72 MILLION
INTERNET PENETRATION: 28%
ACTIVE MOBILE INTERNET USERS: 54 MILLION
MOBILE INTERNET PENETRATION: 21%
SOURCE: WE ARE SOCIAL
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SHARE OF WEB TRAFFICDESKTOP/PC: 45%
MOBILE: 50%
TABLET: 4%
OTHER: 0%
SOURCE: WE ARE SOCIAL
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ONLY ONE WORD MATTERSMOBILE
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MOBILE PHONESNUMBER 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
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MOBILE ACTIVITIESSOCIAL MEDIA APP USE: 14%
MOBILE VIDEO WATCHING: 11%
MOBILE GAME PLAYING: 10%
LOCATION BASED SEARCH: 9%
MOBILE BANKING USAGE: 11%
SOURCE: WE ARE SOCIAL
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LET’S TAKE A LOOK AT SOCIAL MEDIA
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SOCIAL MEDIA ACCOUNTS
SOURCE: WE ARE SOCIAL
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TOP ACTIVE PLATFORMS
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TOP ACTIVE PLATFORMS
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E-COMMERCE BY DEVICE
SOURCE: WE ARE SOCIAL
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Digital & Tech Landscape:E-Commerce
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70% OF E-COMMERCE ORIGINATES FROM
RURAL AREAS
SOURCE: TECH IN ASIA
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78% - FASHION
46% - GADGETS
43% - ELECTRONICS
39% - BOOKS & MAGAZINES
24% - GROCERIES
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Digital & Tech Landscape:FIN-TECH
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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.
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80 milInternet users
55 milConsumers joiningmiddle class
35% growthin mortgage lending
Indonesia’s demographic bonus. Millions of young people joining the middle class, going online and beginning to save and consume.
$ 565 bioForecasted size ofsavings and investment market in 2030
50%of population is under 30 years of age
24% growthin insurance premiums
26% growthin consumer lending
22% growthin Credit card transaction value
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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.
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Connectivity Logistics, HumanCapital, and Last Mile Payments
Structural Root Issues…Paper-based
systemsLack of
infrastructureAntiquatedregulation
Low Trust, poor consumer
protection
Poor nationalPoor nationaleducationeducationstandardsstandards
Growth constraints for Internet business in Indonesia
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But the winds of change are blowing…
ICT Initiatives eServices
Business-friendly,from our industry,open to innovation
Mobile PaymenteVoting, eTax,eApplications,
eHealth
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1,000,000 families to get Cash Aid USD 20/month Distributed via Mobile SIM Card!
#SUPERCARD
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E-Moneyvs
Paper/plastic
P2P payments
vsCash
Customer data safety
VsNo customer
data
Big data analytics
vsGuess work
Personalized products
vsOne size fits
all
Lower loss rates
vsHigh NPLs
Faster transactions
vsGo to branch
E-Applications
vsWet
signature
FINANCIAL TECHNOLOGY
Financial Technology is a structural pillar that enables scalable innovation.
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NOT THIS INNOVATION
NOT THIS INNOVATION
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CLOSER TO HOME
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Bank Rakyat Indonesia (BRI) :465 mobile vans + 10K permanent branchesUSD 14B in micro lending alone (7M micro credits customers)
Domestic opportunity : USD 50B/yearMicro lending is proxy for branchless banking with massive opportunity
FinTech-enabled innovation – what is needed? Full-service branchless banking, microfinance, inclusion
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BANKED: 40% of Indonesian Adults
128 banks, 1600 microbanks, few hundreds multi finance lenders
FinTech-enabled innovation – what is needed? Credit Scoring for Banked and Non-Banked Data Sources
UNBANKED: 60% of Indonesian Adults
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FinTech-enabled innovation – what is needed? True Digital & Mobile Payment
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5454
BBM MONEY
FinTech-enabled innovation – what is needed? P2P payments and money transfers
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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
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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
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But currently only has around 5% market size
Islamic Banks are growing faster than Conventional Banks in Indonesia
Statistik Perbankan Syariah 2014
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Structural solutions for the
e-commerce industry
Enable creative producers like
games and music to gain truly mass
distribution
Enable development (mass market
remains largely unbanked)
Impact of fintech
Enable SMEs and the small
businessman
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Digital & Tech LandscapeMobile
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Knowledge sharing:Polish ict in indonesia
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Polish ICTin Indonesia
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„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.”
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„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.”
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Doing Businessin Indonesia
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„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.”
JP Ellis – Founder CekAja, President Indonesia FinTech Association
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7 challenges of ict business in indonesia
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1. Infrastructure17,000 Islands, lack of roads, transport, etc
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1. Infrastructure – connectivity300 million mobile connections, more data
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2. Fragmented audiences17,000 islands, 700 languages, 300 ethnicities, 6 religions
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3. E-Paymentsdistrust of online payments, cod and transfers still rule
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8 million credit card holders in indonesia
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4. Permits & Regulations53 business days to set up a company (Poland: 30)107/175 on transparency.org corruption index (Poland: 35/175)
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5. Enforcing contractsIndonesia ranks 114 of 185 according to world bank “Doing Business” Rankings
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6. Talentgood talent is difficult, but not impossible to findcurrently, only 36,000 students are studying abroad
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7. People businessindonesians are a very collectivistic society, and favor personal relationships (both clients and employees)
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The good news:Opportunities for ICT in indonesia
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1. Growth potential20% of population is online…
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2. Government supportICT Minister Pledges $1 billion support for startups
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3. Technology is the solution17,000 Islands, lack of roads, transport, etc
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3. it’s working…jakarta – smart city
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3. it’s working…go-jek: Formalizing the “ojek” industry
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3. it’s working…go-jek: Formalizing the “ojek” industry
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3. it’s working…co-working spaces: Jakarta
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3. it’s working…co-working spaces: BALI
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THANK YOU & LET’S DISCUSS