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Go-Jek最新推出零利率的“虚拟信用卡” PayLater

Go-Jek最新推出了PayLater的支付功能,允许客户在一定的额度下进行分期付款。PayLater是Findaya(PT Mapan Global Rekas)的金融科技贷款产品并由Mapan开发。Mpan是去年Go-Jek收购的三家金融科技初创企业的其中之一。

据悉,Findaya已经从OJK获得了提供贷款服务的许可证。此外,Findaya还为Go-Jek、Go-Food、Go-Clean、Go-Massage和Mapan等公司提供各类商品和服务,如笔记本电脑、智能手机及其配件的分期付款等。Go-Jek的负责人Catherine Hindra表示,Go-Jek和Findaya将对Go-Food的客户进行分类筛选,并为其选出的人提供PayLater服务,但筛选的细节Go-Jek方面并未透露。

Indonesian ride-hailing giant Go-Jek launches PayLater, a new payment feature that enables customers to pay in installment for up to a certain limit. PayLater is a lending product of fintech service Findaya (PT Mapan Global Reksa), which was developed by Mapan, one of the three fintech startups that Go-Jek acquired last year.

Findaya has been registered as a lending service provider in the Indonesian Financial Services Authority (OJK). In running its business, Findaya is working with Go-Jek, Go-Food, Go-Clean, Go-Massage, and Mapan partners to help them purchase laptops, smartphones, and other goods through installment.

In a press statement, Go-Jek Chief Commercial Expansion Catherine Hindra explained that for the time being, PayLater is only available for selected Go-Food customers. Customers are being selected based on several criteria defined by Go-Jek and Findaya, though Hindra declined to explain in further details.

She likened the PayLater mechanism with a post-paid mobile service subscription. Customers are allowed to use up to IDR500,000 (US$33.5) with IDR2,500 (US$0.16) monthly subscription fee.

“Together with Findaya, our focus is to provide the best experience for selected Go-Food customers. The lessons that we learned from this process will be used to develop subscription feature in the future,” she told DailySocial.

Hindra continued to explain that the monthly subscription fee will only be charged when customers use the PayLater service. The admin fee will not be activated if the customer has not been using the service. For the first month, customers will receive free subscription as part of a promotion.

She also did not give further details on when the feature will be available for all Go-Jek customers.


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