Description

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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