2023年6月1日

的电子商务巨头进一步针对非银行用户通过其密特拉业务。印尼电子商务公司Bukalapak进一步看到机会在帮助权力无处不在的中小型家族式warung零售商店操作整个群岛国家通过增加其金融产品,一位高管告诉日经亚洲。Bukalapak Mitra业务帮助warung所有者以洋地黄治疗操作。服务使商店股票各种生活必需品,与应用程序进行一站式采购的商品也卖数码产品包括手机信用和数据计划。在最近的一次采访中,霍华德·Gani Mitra Bukalapak CEO表示,该公司希望扩大其金融阵容warung运营商,以及物理和虚拟服务包括支付电费。“我认为什么是令人兴奋的绝对是金融产品,(在),我们认为仍有机会更深。“Gani说warung所有者可以向前推动他们的社区不依赖传统银行分支机构。“我们相信Mitra可以有效地金融包容的冠军,”他说。公司成立在2021年与渣打银行合作,在2022年在印尼投资银行紧密相联的银行之前。提及这些与银行合作,Gani说,“我们在搜集一些他们“扩大业务在金融部门。Gani没有提供细节,但该公司正在测试新产品,看看他们如何利用数据通过操作。 “We use rather unconventional ways by looking at the transaction data that we saved in our platform,” he said. “We also look at other trades,” he added, referring to data. “We combine all those different trades as well to generate our credit risk assessment.” In Indonesia, Southeast Asia’s largest economy, more than 80% of the population is unbanked or underbanked, according to research by Google, Temasek and Bain & Co. published in 2022. The unbanked are people without bank accounts, while underbanked refers to people with bank accounts but insufficient access to services like credit. The situation means that there is a huge untapped market for banking services and many businesses like Bukalapak are trying to fill it. In 2021, Bukalapak became Indonesia’s first unicorn — a private company valued at USD 1 billion or more — to go public. As of now, it is helping more than 16 million warungs across Indonesia to go digital. According to venture capital firm Flourish Venture, traditional warung represent 70% of sales in the country’s USD 257 billion grocery market, but the roadside kiosk operators are facing the challenge of increasing competition with modern and larger retailers. Bukalapak sees expanding financial products as helping warung owners to be more competitive to succeed in the market. Bukalapak booked its first profit in 2022, though it came largely as a result of a marked-to-market gain from its investment in Allo Bank, despite its Mitra business making up 54% of the company’s overall business, up from 44% from the previous year. “We’re very focused on making sure that our business is reliable, and it’s profitable,” he said. “Definitely [we’re ] not just relying on the investment [gain].” RELATED ARTICLE