Fintech in Indonesia

Table of Contents:

1. Executive Summary
Momentum Work View’s on Fintech landscape
2. Overview of Indonesia
Opportunities and risks for Fintech players
Current economic and technological aspect
Bank distribution & penetration in Indonesia
Financial loan needs VS gap
Payment culture
3. Overview of Indonesian Fintech
Fintech ecosystem and certified players
Market composition
Indonesia Fintech Development from 2009-2019
Regulatory structure & licenses
4. Payment Systems
BI regulation toward payment-related services
License procurement & e-money transactions
Payment gateway main players
Exhibit: Doku payment ecosystem
5. E-wallets
E-wallet landscape
Developments and suspended operations
E-wallet main players
Exhibit: OVO strategic partnership
6. P2P Lending
OJK regulatory environment
Revoked/suspended P2P registration
License procurement procedure
P2P infrastructure & main players
7. Investment
Exhibit: VC funding in Indonesia Fintech
8. Risks
Major risks: Political and regulatory
Major risks: Operational
Major risks: Reputational
Major risks: Currency
9. MW Insights
10. Glossary

Highlights:
• Indonesia’s fintech industry is very competitive but potential is still highly unrealised
• P2P lending and payments are the leading verticals comprising 69% of the Fintech landscape
• High unbanked population (51%) and large number of underserved SMEs are credit constrained; finance gap of $77.2 billion serves as a potential for fintech to step in
• Investments and consolidations expected to happen in the highly fragmented market
• Investors and startups need to account for moderate to high risks due volatile and increasingly strict regulatory environment as well as weakened Rupiah

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