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互联网经济全新的互联网金融模式国际资讯

共享出行平台Go-Jek宣布与3家印尼P2P平台达成合作

互联网经济全新的互联网金融模式国际资讯

共享出行平台Go-Jek宣布与3家印尼P2P平台达成合作

印度尼西亚是东南亚第一大经济体,人口总量达到2.5亿。

近日,该国著名共享出行平台Go-Jek宣布,将与当地3家P2P贷款平台(Findaya,Dana Cita和Aktivaku)进行合作,进一步拓展金融技术服务市场份额。

Go-Jek成立于8年前,此前曾先后获得Alphabet和中国腾讯集团的融资支持。近年来,该公司发展迅速,截止今年8月每月用户数量为2000到2500万人次,交易处理量超过1亿次。除基本的共享出行服务外,该平台还提供食品外卖、电影票配送多项服务。

去年,Go-Jek又收购了3家规模较小的支付系统金融科技创企,并就此推出了自己的移动支付品牌Go-Jek,获得市场的广泛好评。而本次推出的P2P服务将与移动支付服务相互独立运行。

P2P借贷是一种基于互联网的业务,可以帮助无法获得传统银行信贷的小企业主或个人寻求贷款,有助于缓解印度尼西亚总计约730亿美元的融资缺口。

到目前为止,P2P借贷平台的出现一直受到印度尼西亚金融监管机构的欢迎,他们认为,在印度尼西亚经济受到银行放贷不景气的困扰之际,它们为资金紧张的企业和消费者提供了急需的服务。

Indonesian ride-hailing and online payment company Go-Jek said on Tuesday it will partner with three peer-to-peer (P2P) lending firms as the startup looks to expand its financial technology services in Southeast Asia’s biggest economy.

Go-Jek, whose backers include Alphabet Inc’s Google and China’s Tencent Holdings, has grown rapidly since launching eight years ago in Indonesia, a country with a population of more than 250 million people.

The company already offers a wide range of app-based services outside of ride-hailing, such as food delivery or movie tickets, as it competes with the other main ride-hailing app operating in Indonesia, Singapore-based Grab, which bought the Southeast Asian business of Uber Technologies earlier this year.

Go-Jek said it had formed a strategic partnership with Indonesian peer-to-peer lenders Findaya, Dana Cita and Aktivaku.

“We believe that a strong collaboration between financial services providers and technology companies can reach a wider range of people who have difficulty accessing financial services, such as unbanked communities,” Go-Jek president Andre Soelistyo said in a statement.

P2P lending is an internet-based business where small-business owners or individuals usually without access to bank credit can seek loans - helping alleviate a financing shortfall estimated at more than $73 billion in Indonesia.

The emergence of P2P lending platforms has so far been welcomed by Indonesia’s financial regulators which see them as offering a much needed service to cash-strapped businesses and consumers at a time when Indonesia’s economy has been hobbled by sluggish bank lending.

“This collaboration is very positive to increase financial inclusion in Indonesia,” said Hendrikus Passagi, who oversees fintech for Indonesian regulator OJK.

Go-Jek founder Nadiem Makarim told Reuters in August that the platform has 20 million to 25 million monthly users, for whom it processes more than 100 million transactions.

Go-Jek’s payment system, known as Go-Pay, has emerged as one of the most popular mobile payment platforms in Indonesia and last year Go-Jek acquired three smaller payment system fintech firms.

Go-Jek told Reuters the partnership with P2P lenders would be separate from its Go-Pay payment vertical.

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