New Online Payment Service Emerged: EXrupiah.com

Some days ago, DailySocial wrote an article about a internet payment service Inapay.com. There also some local payment services emerge previously such as Doku, Unik, InoMog, Kaspay, and so on.

This time, there is new online payment emerges. This payment service is called EXrupiah.com from CV Exrupiah Putra Mandiri, their soft launching is on last September 18th, 2011.

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Heading Towards Indonesia’s National Payment Gateway 2013

Several days before, I share on Twitter about the cooperation between (finally) two biggest banks in Indonesia – based on the number of the customer. Bank Mandiri and Bank Central Asia will make their customers able to do inter-transaction via ATM since yesterday, October 11th, 2011. This interconnection can be done through Prima and Link network. Link is an assemblage of public banks consists of Bank Mandiri, BRI, BNI, and BTN.

Many people have waited for this policy. Thus, almost every bank is connected, including using the “ATM Bersama”. However, it is not the end of the banking condition and payment system in Indonesia. It is the beginning of the synergy of payment system in Indonesia which is called as National Payment Gateway (NPG).

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Menuju National Payment Gateway Indonesia Tahun 2013

Hari ini saya berbagi di Twitter tentang kerjasama yang (akhirnya) dilakukan oleh dua bank terbesar di Indonesia, dari segi jumlah nasabah, Bank Mandiri dan Bank Central Asia, di mana nasabah keduanya dapat saling bertransaksi menggunakan ATM per 11 Oktober besok. Interkoneksi akan dilakukan melalui jaringan Prima dan Link. Link merupakan himpunan bank negara yang terdiri atas Bank Mandiri, BRI, BNI, dan BTN.

Hal ini merupakan sesuatu yang melegakan dan sudah ditunggu-tunggu oleh banyak pihak. Ini berarti (hampir) semua bank di Indonesia sudah bisa berinterkoneksi dan berhubungan dengan mudah, termasuk dalam penggunaan ATM secara bersama. Meskipun demikian, ternyata ini bukanlah akhir dari perkembangan kondisi perbankan dan sistem pembayaran di Indonesia. Ini merupakan awal menuju sinergi sistem pembayaran di Indonesia yang disebut sebagai National Payment Gateway (NPG).

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New Payment Service: Inapay.com

Lately, there are many e-commerce emerging, including two giant foreign e-commerce come to Indonesian market such as Rakuten and eBay. Besides that, other online merchants, which still use bank transfer or other systems also make their presence.

The majority of Indonesian users who do online shopping activity give enough attention to the safety, as stated in this article on DailySocial. According to the research we did, it includes transaction safety. Therefore, users need safe online payment system.

DailySocial readers in Indonesia has been known some payment systems like Doku Unik, IndoMog, Kaspay, and it is also reported that BCA will launch KlikPay, while Mandiri Bank romored to launch Tokone.com.

By now, there is a new startup offers payment service to do online transaction in Indonesia. This startup from PT Indonesia Payment Solution is called as Inapay.com.

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The Problem With Indonesia’s E-Commerce Scene

Apparently, Indonesia is famous not only for the huge portion of mobile market, but also for anything social, e-commerce and games. Lots of people been showing interest with e-commerce in Indonesia, last year was the year of Indonesian e-commerce with more than 20 e-commerce companies launched. And of course, a lot went down to the deadpool leaving incumbents like Rakuten, TokoBagus, Plasa, Berniaga, Kemana, Tokopedia etc.

But so far, none of these companies have huge success in the huge market and huge opportunity. There are several problem encountered by these companies in order to run their business, I’ll try to talk some of the issues.

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BCA Luncurkan KlikPay, Mandiri Luncurkan Tokone. Pasar E-Commerce Indonesia Semakin Seru!

Dua bank terbesar di Indonesia adalah Bank Central Asia (BCA) dan Bank Mandiri, dan keduanya mengarah pada pengembangan sistem pembayaran dengan ikut serta dalam perkembangan e-commerce. Dalam satu tahun ke belakang, beberapa pemain (serius) besar di segmen ini meluncurkan e-commerce, mereka adalah Plasa, Rakuten, Multiply, Blibli bersama dengan para pemain yang telah dulu hadir seperti Tokobagus, Bhinneka dll.

Tahun lalu adalah tahun e-commerce di Indonesia, tetapi kurangnya e-payment platform yang ada menahan pertumbuhan industri ini. Jadi, tahun ini kita bisa berharap setidaknya 4 solusi e-payment akan tersedia di Indonesia: Doku, Indomog, Unik dan Kaspay.

Continue reading BCA Luncurkan KlikPay, Mandiri Luncurkan Tokone. Pasar E-Commerce Indonesia Semakin Seru!

BCA To Launch KlikPay, Mandiri To Launch Tokone. Indonesian E-Commerce Scene Gets HOT!

Two of Indonesia’s biggest bank is Bank Central Asia (BCA) and Bank Mandiri, and both are getting geared towards the future of payments by getting into the e-commerce scene. Just for the past year, some (seriously) big player in the e-commerce segment launches, Plasa, Rakuten, Multiply, Blibli and with the current incumbent such as TokoBagus, Bhinneka etc.

Last year was the year of e-commerce in Indonesia, but the lack of existing e-payment platform hold back the growth of the industry. And so, this year we’re expecting at least 4 e-payment solutions to be available in Indonesia : Doku, Indomog, Unik and Kaspay.

Continue reading BCA To Launch KlikPay, Mandiri To Launch Tokone. Indonesian E-Commerce Scene Gets HOT!

Will Google Wallet Succeed in Indonesia?

A few days ago, Google launched its Google Wallet which is a mobile app that enable cellphones to act just like a credit card to consumer. With an integrated NFC chip pre-installed (currently only in Google’s own Nexus S), consumer could just wave their phone in front of a reader in order to make payments. According to Stephanie Tilenius, VP of Commerce and Payments at Google, it envisions the cellphone to act as a personal financial hub for coupons, merchant loyalty points, payments and receipts.

There’s no doubt that this will change how consumer buy things online and offline, this will impact the world and Indonesia as one of the fastest growing economy in SEA is not an exception. Despite the low credit card penetration in the country, Google Wallet could still impact the credit card growth in Indonesia, if it plays nice.

But still, the question is : can Google Wallet help leverage Indonesia’s ecommerce scene?

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Doku Launching and Exhibition (Free Invitation) – Updated

Tanggal 18 Mei 2011, bertempat di Hotel Mulia Senayan, Jakarta, Doku akan mengadakan acara peluncuran layanan mereka serta public exhibition.

Acara ini juga menjadi ajang pembaruan merek bagi NSIAPAY yang kini berubah menjadi Doku. Selain diadakan press release, rangkaian acara juga akan meliputi pengenalan layanan Doku yang paling baru serta berbagi pengalaman dari para merchant yang telah menggunakan layanan mereka sebelumnya.

Rangkaian acara juga akan menghadirkan kelas dan seminar yang bisa diikuti oleh para peserta dengan berbagai topik mulai dari mobile commerce, e-commerce dan yang berkaitan dengan startup. Untuk kelas dan seminar, tempat terbatas dan untuk mengikutinya dibutuhkan registrasi.

Untuk itu, DailySocial akan membagikan undangan pada 10 pembaca yang pertama kali memberikan komentar di bagian bawah artikel ini, untuk bisa mengikuti rangkaian acara termasuk kelas dan seminar pada acara Doku yang akan diadakan pada hari Rabu, tanggal 18 Mei 2011. Mulai pukul 10.00 pagi, bertempat di Hotel Mulia- Senayan, Ballrooms 1 and 2 Jakarta.

Silahkan memberikan komentar dan keterangan alamat email. 10 komentar pertama akan kami hubungi untuk keterangan lebih lanjut. Keterangan tentang acara bisa dilihat pada tautan ini.

Update: Sesuai dengan komentar Ronald Ishak di bawah, yang belum kebagian undangan bisa langsung mendaftar melalui http://doku.eevent.com di mana masih tersedia 50+ slot yang belum terpakai.

Could Android’s NFC Become Indonesia’s e-Payment Solution?

Google’s Android handsets have been growing in popularity in Indonesia, just like in other countries where they can get a smartphone with relatively lower price compared to the iPhone. And to make things interesting, last year Eric Schmidt announced Android Gingerbread’s support for NFC (Near Field Communication) and of course payment is most likely to be the main usage.

In Indonesia, e-payment has been always an issue with almost no e-payment solution working properly. The reason? The users simply have no interest of using e-payment solution and quite happy with manual bank transfer which might be caused by the lack of service that’s easy enough for common user to use, e-payment requires to much hassle compared to e-banking or m-banking.

But of course, this can be easily disrupted.

Continue reading Could Android’s NFC Become Indonesia’s e-Payment Solution?