Sunday, July 21, 2019

Fintech

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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  • What are the reasons for lack of financial inclusion that present opportunities for fintech players?
  • What can fintech players do to fill in the $73B annual gap in financing needs?
  • How can payment apps act as proxies to ATMs and bank accounts in this cash dependent market?

  • How has fintech in Indonesia evolved from 2009 till now and what major events have disrupted the market?
  • Which players had their licenses suspended/revoked and why?
  • Which fintech companies have been raising funds and how have the round sizes evolved? Who are the active investors in this sector?

  • What regulations are being tightened and what are the risks associated with it for fintech players?
  • How is the poor currency performance going to affect overseas lenders and investors?
  • How are consumer reactions imposing regulatory changes in debt collection methods? How will this affect the profitability of P2P lenders?

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