DIGITAL FINANCIAL INCLUSION IN INDONESIA
B
Agent:
DIGITAL FINANCIAL SERVICES
Business Model
is payment and financial services that are done through cooperation with third
parties and using mobile or web-based technologies related to financial
inclusion*.
Bank & Non Bank
1. Local people/legal entity business
2. Have business activity in permanent place
3. Pass the fit and proper test
4. Pass training program
5. Deposited fund
Agen Services:
1. Facilitating Open E-Money account
2. Keeping/Saving
3. Withdrawing fund
4. Billing Payment
5. G2P point of access
Product services offered:
Electronic Money (server Based)
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Jessy Ayudia Simanungkalit
SAMSUNG
Head
Office
USSD
Service Level of
Agreement (SLA)
2 Call Centers: Customer & Agent
Branch
Agent
Deposit
Branch
(full cover)
SLA
SLA
TELCO
AGENT
AGENT
AGENT
(Individual)
(legal
AGENT
(Individual)
(legal
entity)
Monitoring
entity)
Encryption
Real time
Notification
Dual
Authentication
Customer
*) Bank with higher capital (> $5 billion) may collaborate with individual agent
Other Bank and Non bank may collaborate with legal entity agent
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