最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯基于互联网平台的金融业务

印尼:共享经济+传统银行携手推动普惠金融发展

国际资讯基于互联网平台的金融业务

印尼:共享经济+传统银行携手推动普惠金融发展

一些印尼本土创业人士表示,许多印尼银行在与金融科技公司合作方面表现的并不积极。

目前来看,印尼银行和金融科技创业公司之间的交流以竞争为主,其目的主要还是对某个领域有一个广泛的了解,而不是共同合作推出一款创新产品。

对于用户规模较小的创业公司来说尤其如此。然而,当他们已经成长为一家拥有数百万用户的公司(例如印尼版优步——Go-Jek)时,随着其按需服务的种类不断增多,与传统金融机构的合作则会变得容易的多。

上周,Go-Jek和印尼人民银行(Bank Rakyat Indonesia,简称BRI)联合宣布,双方计划通过Go-Jek的手机钱包Go-Pay提升金融普惠性和金融知识普及度。 BRI是印度尼西亚最大的银行之一,专门服务小规模零售客户。

新闻稿并未介绍这些功能的具体内容,以及Go-Pay何时会推出这些功能。不过该声明指出,作为该计划的第一步,他们正在考虑通过为BRI客户提供Go-Pay简化账单支付(可能包括税款缴纳),以及为Go-Jek客户及雇员提供小额贷款等BRI金融产品。

如果这些功能能够成功在Go-Pay平台推出,就将成为印尼银行服务和移动钱包行业的首次整合。而Go-Pay也距离成为类似支付宝一样多功能数字银行工具的目标又近了一步。

自2016年推出以来,Go-Pay已发展成为印尼最大的移动钱包平台。据了解,目前该平台已与大约18家银行展开了合作,合作模式主要为通过银行账户对Go-Pay账户进行充值。

Banks in Indonesia are still hesitant to collaborate with fintech startups, some local startup founders say. At this stage, exchange between banks and fintech startups takes place in the realm of events and competitions, where the aim is to get an overview of the landscape rather than working together on innovative products.

This is especially true for startups with a small user base. However, when they’ve managed to grow to the size of a company with millions of users like Go-Jek, Indonesia’s version of Uber, but with many additional on demand-services it’s easier to open doors.

Go-Jek and Bank Rakyat Indonesia (BRI)  last week announced they plan a number of features to “improve financial inclusion and financial literacy” through Go-Jek’s mobile wallet Go-Pay. BRI is one of Indonesia’s largest banks and specialises in small-scale retail clients.

The press release remains vague on the specifics of those features and when Go-Pay users can expect them to roll out. It does mention that as a first step, they are looking at things like simplified bill payment through Go-Pay for BRI clients, which might include tax payments, and access to BRI’s financial products like microloans for Go-Jek’s merchants and employees.

If the features roll out on Go-Pay soon, this could become the first such integration of banking services and mobile wallets in Indonesia. It would bring Go-Pay one step closer to becoming a multi-functional digital banking tool in the style of China’s Alipay Wallet. You can use Alipay not only to make online and offline payments, but also to get loans and invest.

Since it’s launch in 2016, Go-Pay has grown to be Indonesia’s largest mobile wallet. It works with many banks (18, according to the press release) but so far those integrations have mostly been about enabling Go-Pay credit top-ups from bank accounts.


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