CONNECTING THAILAND'S DIGITAL ECONOMY | Unused Spectrum Capacity, MVNOs and D...YOZZO
This paper, highlights the vast unused telecom network capacity set aside for Mobile Virtual Network Operators #MVNO in Thailand, due to reluctance from the mobile network operators, AIS, Dtac and True, to accept these on their networks.
The introduction of MVNOs in Thailand six years ago has not succeeded in laying the foundation to ensure innovation, the achievement of the broader industry and national economic objectives. The MVNOs has been tethered with the legacy infrastructure and thinking behind the conventional mobile operator services.
However, there are lessons to be learned, and first lesson is - a new approach is needed.
Therefore, we suggest a few additions to the National Broadcasting and Telecommunications Commission’s (NBTC) notification regarding network capacity and obligations for Mobile Virtual Network Operators (MVNO) in Thailand.
We also propose a one-stop shop, who acts as an enabler for the digital economy, MVNO / M2M / IoT service providers, e.g. matching the demand, with the supply of unused MVNO capacity from the telecom operators, and thereby creating a win/win for all stakeholders in the ecosystem.
¹ MVNO Definition: http://www.yozzo.com/mvno-wiki/mvno-definition
² The History of MVNO | http://www.yozzo.com/mvno-wiki/the-history-of-mvno | August 2016 | Yozzo.com
³ Why MVNOs in Thailand have failed: http://www.yozzo.com/news-and-information/mvno-mobile-operator-s/why-mvnos-in-thailand-have-failed
CONNECTING THAILAND'S DIGITAL ECONOMY | Unused Spectrum Capacity, MVNOs and D...YOZZO
This paper, highlights the vast unused telecom network capacity set aside for Mobile Virtual Network Operators #MVNO in Thailand, due to reluctance from the mobile network operators, AIS, Dtac and True, to accept these on their networks.
The introduction of MVNOs in Thailand six years ago has not succeeded in laying the foundation to ensure innovation, the achievement of the broader industry and national economic objectives. The MVNOs has been tethered with the legacy infrastructure and thinking behind the conventional mobile operator services.
However, there are lessons to be learned, and first lesson is - a new approach is needed.
Therefore, we suggest a few additions to the National Broadcasting and Telecommunications Commission’s (NBTC) notification regarding network capacity and obligations for Mobile Virtual Network Operators (MVNO) in Thailand.
We also propose a one-stop shop, who acts as an enabler for the digital economy, MVNO / M2M / IoT service providers, e.g. matching the demand, with the supply of unused MVNO capacity from the telecom operators, and thereby creating a win/win for all stakeholders in the ecosystem.
¹ MVNO Definition: http://www.yozzo.com/mvno-wiki/mvno-definition
² The History of MVNO | http://www.yozzo.com/mvno-wiki/the-history-of-mvno | August 2016 | Yozzo.com
³ Why MVNOs in Thailand have failed: http://www.yozzo.com/news-and-information/mvno-mobile-operator-s/why-mvnos-in-thailand-have-failed
Ict and telecommunications sectoral transformation and public policy agenda -...ACORN-REDECOM
This paper offers insights for the elaboration of public policy to promote the development of telecommunications services in
Brazil, by means of a broad summary of where it interfaces with different sectoral dimensions and a discussion at what level
it is aligned to the evolution of telecommunications services. The analysis is based on the sectoral system of innovation
approach, with the sector decomposed in three dimensions that coevolve: (i) science and technology fields; (ii) users, demand
and applications; and (iii) actors, networks and institutions. It begins with an analysis of technological – convergence – and
institutional – commercial and regulatory liberalization – transformations and its impacts on the public policy framework
developed then. Following that, the analysis turns to forecasting each dimension, in order to identify future evolution
perspectives for a set of variables. Finally, the prospective vision is compared to the current public policy framework. It is
expected from this analysis the verification of at what level this agenda is aligned to what it is foreseen as the future of this
sector and in which points tensions arise.
I facilitated a discussion on "Right pricing LTE … ." @ Informa's Mind Share sessions at LTE World Summit, 22th May 2012, Barcelona, Spain. I should emphasize that this presentation really is a Technologist's view on mobile data pricing and not that of a Pricing Professional (whatever that might mean) responsible for pricing today's (maybe even tomorrows) mobile data products.
Delivered this presentation at the Informa's Pricing Mobile Broadband conference 26 & 27th August 2012 in London. While some of the slides are similar to the ones in my Mind Share document you will find new slides and re-worked material giving another twist to Right Pricing Mobile Broadband. Enjoy and should you have any questions/comments just get in touch! Don't be a stranger!
The Telecom, Media & Internet (TMI) group is responsible for the development and management of Rabobank International\'s wholesale banking activities in the TMI sector. The team aims at being recognised as a provider of innovative solutions to the financial needs of prime Telecom, Media and Internet companies in sophisticated markets.
Gebran Bassil's 2009 Telecom General RulesCedarcom News
A vision and roadmap for the Lebanese telecom sector's future by Minister Gebran Bassil. Cedarcom News highlighted the core elements of the General Rules for your convenience. The General Rules can also be found on the International Telecommunication Union (ITU) website in both Arabic and English (http://www.itu.int/ITU-D/treg/Events/Seminars/GSR/GSR09/papers.html)
The Board of Directors (BD) of the Competition Superintendence (CS) concluded the investigation of alleged anticompetitive practices by PERSONAL, TELEFONICA, TELEMOVIL, and DIGICEL, with important public policy recommendations in the telecommunications sector.
Payments landscape in Indonesia to get an overview of players, value chain economics, market drivers and the competitive landsacape. Indicator/introduction of payments ecosystem in Southeast Asia/ASEAN.
Mobile Money in Indonesia: Landscape and Developments, 2015Jeffrey BAHAR
History, development of mobile money in Indonesia with detail analysis on its functionalities, segments served, service providers. Presented in Mobile Wallet 2015 Workshop, August 2015
A report about Fintech Indonesia and all Fintech Statups in Indonesia powered by www.Fintechnews.sg/Indonesia. Also Check Out the Facebook Page: https://www.facebook.com/Fintech-Indonesia-177477972669098/
E-money Usage Survey Report in IndonesiaShabrina Rina
JAKPAT conducted a survey to 489 respondents from users of JAKPAT Mobile Apps randomly, from 17 to 45 age ranges, and all provinces in Indonesia.
The purpose of this survey is to know people's reasons for using e-money. Even if this survey does not represent the whole population, but by figuring this survey result hopefully people can figure out people's habits, attention and intention for using e-money.
Fintech is gaining popularity recently, a great number of Fintech startups are emerging nowadays. Fintech has huge potential in Indonesia as it provides solutions which are not offered by conventional banking institutions. New model of payment and investment option become more familiar through online financial service. Fintech in Indonesia does not spared from government regulation, to make sure financial products that startup's offered are not harmful toward society, OJK as the policy holder will soon pass a law to regulate the growing fintech startup in Indonesia. All information about fintech startup, available sectors, and forecast growth will be available in this report.
Cashless Regulation in Indonesia:“Tantangan Indonesia Menuju Cashless Society”Yudi Herdiana
Perubahan gaya hidup dalam membelanjakan atau melakukan pembayaran uang dari yang semula belanja atau membayar menggunakan model cash menjadi model belanja atau pembayaran digital (digital payment), E-Money.
Digital numbers and landscape in indonesia 2016 updatedSeno Pramuadji
This is the update version of digital number in Indonesia based on APJII survey. Although there has been controversy regarding the survey, I'm just re-compile it into much easier use and read.
Ict and telecommunications sectoral transformation and public policy agenda -...ACORN-REDECOM
This paper offers insights for the elaboration of public policy to promote the development of telecommunications services in
Brazil, by means of a broad summary of where it interfaces with different sectoral dimensions and a discussion at what level
it is aligned to the evolution of telecommunications services. The analysis is based on the sectoral system of innovation
approach, with the sector decomposed in three dimensions that coevolve: (i) science and technology fields; (ii) users, demand
and applications; and (iii) actors, networks and institutions. It begins with an analysis of technological – convergence – and
institutional – commercial and regulatory liberalization – transformations and its impacts on the public policy framework
developed then. Following that, the analysis turns to forecasting each dimension, in order to identify future evolution
perspectives for a set of variables. Finally, the prospective vision is compared to the current public policy framework. It is
expected from this analysis the verification of at what level this agenda is aligned to what it is foreseen as the future of this
sector and in which points tensions arise.
I facilitated a discussion on "Right pricing LTE … ." @ Informa's Mind Share sessions at LTE World Summit, 22th May 2012, Barcelona, Spain. I should emphasize that this presentation really is a Technologist's view on mobile data pricing and not that of a Pricing Professional (whatever that might mean) responsible for pricing today's (maybe even tomorrows) mobile data products.
Delivered this presentation at the Informa's Pricing Mobile Broadband conference 26 & 27th August 2012 in London. While some of the slides are similar to the ones in my Mind Share document you will find new slides and re-worked material giving another twist to Right Pricing Mobile Broadband. Enjoy and should you have any questions/comments just get in touch! Don't be a stranger!
The Telecom, Media & Internet (TMI) group is responsible for the development and management of Rabobank International\'s wholesale banking activities in the TMI sector. The team aims at being recognised as a provider of innovative solutions to the financial needs of prime Telecom, Media and Internet companies in sophisticated markets.
Gebran Bassil's 2009 Telecom General RulesCedarcom News
A vision and roadmap for the Lebanese telecom sector's future by Minister Gebran Bassil. Cedarcom News highlighted the core elements of the General Rules for your convenience. The General Rules can also be found on the International Telecommunication Union (ITU) website in both Arabic and English (http://www.itu.int/ITU-D/treg/Events/Seminars/GSR/GSR09/papers.html)
The Board of Directors (BD) of the Competition Superintendence (CS) concluded the investigation of alleged anticompetitive practices by PERSONAL, TELEFONICA, TELEMOVIL, and DIGICEL, with important public policy recommendations in the telecommunications sector.
Payments landscape in Indonesia to get an overview of players, value chain economics, market drivers and the competitive landsacape. Indicator/introduction of payments ecosystem in Southeast Asia/ASEAN.
Mobile Money in Indonesia: Landscape and Developments, 2015Jeffrey BAHAR
History, development of mobile money in Indonesia with detail analysis on its functionalities, segments served, service providers. Presented in Mobile Wallet 2015 Workshop, August 2015
A report about Fintech Indonesia and all Fintech Statups in Indonesia powered by www.Fintechnews.sg/Indonesia. Also Check Out the Facebook Page: https://www.facebook.com/Fintech-Indonesia-177477972669098/
E-money Usage Survey Report in IndonesiaShabrina Rina
JAKPAT conducted a survey to 489 respondents from users of JAKPAT Mobile Apps randomly, from 17 to 45 age ranges, and all provinces in Indonesia.
The purpose of this survey is to know people's reasons for using e-money. Even if this survey does not represent the whole population, but by figuring this survey result hopefully people can figure out people's habits, attention and intention for using e-money.
Fintech is gaining popularity recently, a great number of Fintech startups are emerging nowadays. Fintech has huge potential in Indonesia as it provides solutions which are not offered by conventional banking institutions. New model of payment and investment option become more familiar through online financial service. Fintech in Indonesia does not spared from government regulation, to make sure financial products that startup's offered are not harmful toward society, OJK as the policy holder will soon pass a law to regulate the growing fintech startup in Indonesia. All information about fintech startup, available sectors, and forecast growth will be available in this report.
Cashless Regulation in Indonesia:“Tantangan Indonesia Menuju Cashless Society”Yudi Herdiana
Perubahan gaya hidup dalam membelanjakan atau melakukan pembayaran uang dari yang semula belanja atau membayar menggunakan model cash menjadi model belanja atau pembayaran digital (digital payment), E-Money.
Digital numbers and landscape in indonesia 2016 updatedSeno Pramuadji
This is the update version of digital number in Indonesia based on APJII survey. Although there has been controversy regarding the survey, I'm just re-compile it into much easier use and read.
Describing about digital payment in Indonesia and encourage all player how to execute digital payment and consumer how to use digital payment - by Heru Sutadi
Overview of industry trends and insights of Fortune 500 companies and startups' activities in the FinTech space. We cover banking tech (security, crm, analytics), payments (pos, money transfer, commerce), cyber currency (blockchain, bitcoin, wallets, cryptocurrency exchanges), business finance (lending, crowdfunding), personal finance (lending, wealth management, mortgage, credit), and alternative cores (banking, insurance).
Daftar Isi:
- Pendahuluan
--- Uang Elektronik (electronic Money)
--- Alat Pembayaran dengan Menggunakan Kartu (APMK)
- Pertimbangan
--- Multi purposes dan single purpose
--- Tercatat atau tidaknya identitas Pemegang (registered atau unregistered).
--- Media chip atau server pada Penerbit.
--- Transfer dana dan tarik tunai.
- Perizinan
- Dana Float
- Kewajiban
- Masa Berlaku
Nooren net neutrality_tvx_in_industry_2017_v2.2_final_paperpanooren
Net neutrality regulation is important for media companies, Internet service providers and consumers as it affects the conditions for distribution of streaming music and video. This paper analyzes and visualizes the dependencies between media companies and ISPs in two cases that involve zero-rating of data, an arrangement in which the data for specific services does not count against a data allowance. The cases show that zero-rating brings a substantial change to the distribution segment of the media-Internet ecosystem. For the many consumers that have subscriptions with a data allowance, the Internet access is effectively divided in two parts, one where data is metered and counts against their monthly allowance and one where they have unlimited flat fee data – for selected applications. Furthermore, the cases show that net neutrality is an important factor, but also clearly not the only factor affecting competition in the media-Internet ecosystem.
MVNO issues in Thailand - and how to solve them v2.0YOZZO
This is the update version 2 (May 2018) of MVNO issues in Thailand, which highlights some of the issues in Thailand, regarding #MVNA and #MVNO.
Without some form of regulatory measures and changes as described in this presentation, Thailand’s telecoms market will remain an unlevel playing field, where competition and innovation of mobile services, and thereby the digital economy, may not evolve as it should - or at all.
The government has provided the platform for private industries to participate and form the final stages of Thailand 4.0 – however the current regulation from the NBTC - or lack off, has not been able to follow suit but only concentrated on the existing silos in the market instead of getting all the wheels to spin.
This presentation is an extended version from the presentation given at the Engineering Thailand 4.0 event on the 17th November 2017
How to save legacy telecom business at verge of collapseAbraham Paul
INTERNET is the best thing happened in Communication technology in past few decades. IOT and IOE are the golden catch words that change the whole world. As it appears to millions out there, strangling of Net neutrality will be a horrendous mistake.
Nonetheless, the following facts and concerns call for serious consideration of all stake holders, the Telecom Business groups, Regulators and the Government, lest the World Telecom get disrupted beyond retrieval.
Paper - Competing or Aligning? Assessment for Telecom Operator's strategy to ...Laili Aidi
Up until recently, it was rarely direct competition between telecom operators, cable and satellite Pay-TV providers in digital TV/Video, as their business area were different and value chain was well established. However, technology advance has altered digital TV/Video landscape, made these Communication Service Providers (CSPs) cross other’s area and opened door for new actor (OTT player) to enter the market. This triggers second change in the landscape, as it potentially bypasses CSP’s role in digital media value chain.
There are generic potential options for telecom operator to address OTT service‘s treat, where the trend shows gradual shifts toward allowing or promoting. This study assesses telecom operator’s reaction strategies to react to this digital TV/Video convergence trend. Our analysis reveals two typical relation patterns in the value network, used by telecom operators based on strategy options above, which are ”point-to-point” and ”point-to-multipoint” relation model. We explore the underlining motivations that based these strategies, as well as analysis of the eco-systems: actors identification, business roles and distributed responsibilities among them, where we use ARA (Actors, Resource, Activities) point of view to model these value networks.
Presentation from SIEPON Seminar on 20 April in Czech Republic, sponsored by IEEE-SA & CAG. Opinions presented by the speakers in this presentation are their own, and not necessarily those of their employers or of IEEE.
Strategy how to change Big Data into useful information and win the business/candidacy, and Big Problem into Big Opportunity in the information exposure era.
Indonesia ICT Institute Newsletter - Edisi DsemberHeru Sutadi
Newsletter edisi Desember ini berisi mengenai putusan bebas pailit untuk Telkomsel, regulasi layanan konten, pasar dan hasil kajian big data di Indonesia, serta aturan baru menuju TV digital
Indonesia ICT Institute NewsLetter Edisi November 2012Heru Sutadi
NewsLetter edisi November berisikan isu-isu mengenai teknologi netral, pasar cloud computing di Indonesia, rencana revisi UU Penyiaran dan dampak terbitnya PP Penyelenggaraan Sistem dan Transaksi Elektronik
Indonesia ICT NewLetter October Edition - English VersionHeru Sutadi
Indonesia ICt NewsLetter October Edition. Consist of 3G Selection, IndoLTE Forum, Spectrum Recalculation, Broadband Status in Indonesia, E-Commerce Business in Indonesia
Perkembangan Jejaring Sosial (Social Networks) di Indonesia dan ImplikasinyaHeru Sutadi
Indonesian Internet Society research regarding social networks in Indonesia and its implication - Penelitian Masyarakat Internet Indonesia mengenai jejaring sosial dan implikasinya di Indonesia tahun 2010
Dr. Sean Tan, Head of Data Science, Changi Airport Group
Discover how Changi Airport Group (CAG) leverages graph technologies and generative AI to revolutionize their search capabilities. This session delves into the unique search needs of CAG’s diverse passengers and customers, showcasing how graph data structures enhance the accuracy and relevance of AI-generated search results, mitigating the risk of “hallucinations” and improving the overall customer journey.
Unlocking Productivity: Leveraging the Potential of Copilot in Microsoft 365, a presentation by Christoforos Vlachos, Senior Solutions Manager – Modern Workplace, Uni Systems
Removing Uninteresting Bytes in Software FuzzingAftab Hussain
Imagine a world where software fuzzing, the process of mutating bytes in test seeds to uncover hidden and erroneous program behaviors, becomes faster and more effective. A lot depends on the initial seeds, which can significantly dictate the trajectory of a fuzzing campaign, particularly in terms of how long it takes to uncover interesting behaviour in your code. We introduce DIAR, a technique designed to speedup fuzzing campaigns by pinpointing and eliminating those uninteresting bytes in the seeds. Picture this: instead of wasting valuable resources on meaningless mutations in large, bloated seeds, DIAR removes the unnecessary bytes, streamlining the entire process.
In this work, we equipped AFL, a popular fuzzer, with DIAR and examined two critical Linux libraries -- Libxml's xmllint, a tool for parsing xml documents, and Binutil's readelf, an essential debugging and security analysis command-line tool used to display detailed information about ELF (Executable and Linkable Format). Our preliminary results show that AFL+DIAR does not only discover new paths more quickly but also achieves higher coverage overall. This work thus showcases how starting with lean and optimized seeds can lead to faster, more comprehensive fuzzing campaigns -- and DIAR helps you find such seeds.
- These are slides of the talk given at IEEE International Conference on Software Testing Verification and Validation Workshop, ICSTW 2022.
The Art of the Pitch: WordPress Relationships and SalesLaura Byrne
Clients don’t know what they don’t know. What web solutions are right for them? How does WordPress come into the picture? How do you make sure you understand scope and timeline? What do you do if sometime changes?
All these questions and more will be explored as we talk about matching clients’ needs with what your agency offers without pulling teeth or pulling your hair out. Practical tips, and strategies for successful relationship building that leads to closing the deal.
Climate Impact of Software Testing at Nordic Testing DaysKari Kakkonen
My slides at Nordic Testing Days 6.6.2024
Climate impact / sustainability of software testing discussed on the talk. ICT and testing must carry their part of global responsibility to help with the climat warming. We can minimize the carbon footprint but we can also have a carbon handprint, a positive impact on the climate. Quality characteristics can be added with sustainability, and then measured continuously. Test environments can be used less, and in smaller scale and on demand. Test techniques can be used in optimizing or minimizing number of tests. Test automation can be used to speed up testing.
In his public lecture, Christian Timmerer provides insights into the fascinating history of video streaming, starting from its humble beginnings before YouTube to the groundbreaking technologies that now dominate platforms like Netflix and ORF ON. Timmerer also presents provocative contributions of his own that have significantly influenced the industry. He concludes by looking at future challenges and invites the audience to join in a discussion.
Essentials of Automations: The Art of Triggers and Actions in FMESafe Software
In this second installment of our Essentials of Automations webinar series, we’ll explore the landscape of triggers and actions, guiding you through the nuances of authoring and adapting workspaces for seamless automations. Gain an understanding of the full spectrum of triggers and actions available in FME, empowering you to enhance your workspaces for efficient automation.
We’ll kick things off by showcasing the most commonly used event-based triggers, introducing you to various automation workflows like manual triggers, schedules, directory watchers, and more. Plus, see how these elements play out in real scenarios.
Whether you’re tweaking your current setup or building from the ground up, this session will arm you with the tools and insights needed to transform your FME usage into a powerhouse of productivity. Join us to discover effective strategies that simplify complex processes, enhancing your productivity and transforming your data management practices with FME. Let’s turn complexity into clarity and make your workspaces work wonders!
In the rapidly evolving landscape of technologies, XML continues to play a vital role in structuring, storing, and transporting data across diverse systems. The recent advancements in artificial intelligence (AI) present new methodologies for enhancing XML development workflows, introducing efficiency, automation, and intelligent capabilities. This presentation will outline the scope and perspective of utilizing AI in XML development. The potential benefits and the possible pitfalls will be highlighted, providing a balanced view of the subject.
We will explore the capabilities of AI in understanding XML markup languages and autonomously creating structured XML content. Additionally, we will examine the capacity of AI to enrich plain text with appropriate XML markup. Practical examples and methodological guidelines will be provided to elucidate how AI can be effectively prompted to interpret and generate accurate XML markup.
Further emphasis will be placed on the role of AI in developing XSLT, or schemas such as XSD and Schematron. We will address the techniques and strategies adopted to create prompts for generating code, explaining code, or refactoring the code, and the results achieved.
The discussion will extend to how AI can be used to transform XML content. In particular, the focus will be on the use of AI XPath extension functions in XSLT, Schematron, Schematron Quick Fixes, or for XML content refactoring.
The presentation aims to deliver a comprehensive overview of AI usage in XML development, providing attendees with the necessary knowledge to make informed decisions. Whether you’re at the early stages of adopting AI or considering integrating it in advanced XML development, this presentation will cover all levels of expertise.
By highlighting the potential advantages and challenges of integrating AI with XML development tools and languages, the presentation seeks to inspire thoughtful conversation around the future of XML development. We’ll not only delve into the technical aspects of AI-powered XML development but also discuss practical implications and possible future directions.
Sudheer Mechineni, Head of Application Frameworks, Standard Chartered Bank
Discover how Standard Chartered Bank harnessed the power of Neo4j to transform complex data access challenges into a dynamic, scalable graph database solution. This keynote will cover their journey from initial adoption to deploying a fully automated, enterprise-grade causal cluster, highlighting key strategies for modelling organisational changes and ensuring robust disaster recovery. Learn how these innovations have not only enhanced Standard Chartered Bank’s data infrastructure but also positioned them as pioneers in the banking sector’s adoption of graph technology.
Securing your Kubernetes cluster_ a step-by-step guide to success !KatiaHIMEUR1
Today, after several years of existence, an extremely active community and an ultra-dynamic ecosystem, Kubernetes has established itself as the de facto standard in container orchestration. Thanks to a wide range of managed services, it has never been so easy to set up a ready-to-use Kubernetes cluster.
However, this ease of use means that the subject of security in Kubernetes is often left for later, or even neglected. This exposes companies to significant risks.
In this talk, I'll show you step-by-step how to secure your Kubernetes cluster for greater peace of mind and reliability.
DevOps and Testing slides at DASA ConnectKari Kakkonen
My and Rik Marselis slides at 30.5.2024 DASA Connect conference. We discuss about what is testing, then what is agile testing and finally what is Testing in DevOps. Finally we had lovely workshop with the participants trying to find out different ways to think about quality and testing in different parts of the DevOps infinity loop.
Pushing the limits of ePRTC: 100ns holdover for 100 daysAdtran
At WSTS 2024, Alon Stern explored the topic of parametric holdover and explained how recent research findings can be implemented in real-world PNT networks to achieve 100 nanoseconds of accuracy for up to 100 days.
Why You Should Replace Windows 11 with Nitrux Linux 3.5.0 for enhanced perfor...SOFTTECHHUB
The choice of an operating system plays a pivotal role in shaping our computing experience. For decades, Microsoft's Windows has dominated the market, offering a familiar and widely adopted platform for personal and professional use. However, as technological advancements continue to push the boundaries of innovation, alternative operating systems have emerged, challenging the status quo and offering users a fresh perspective on computing.
One such alternative that has garnered significant attention and acclaim is Nitrux Linux 3.5.0, a sleek, powerful, and user-friendly Linux distribution that promises to redefine the way we interact with our devices. With its focus on performance, security, and customization, Nitrux Linux presents a compelling case for those seeking to break free from the constraints of proprietary software and embrace the freedom and flexibility of open-source computing.
Maruthi Prithivirajan, Head of ASEAN & IN Solution Architecture, Neo4j
Get an inside look at the latest Neo4j innovations that enable relationship-driven intelligence at scale. Learn more about the newest cloud integrations and product enhancements that make Neo4j an essential choice for developers building apps with interconnected data and generative AI.
GraphSummit Singapore | The Future of Agility: Supercharging Digital Transfor...Neo4j
Leonard Jayamohan, Partner & Generative AI Lead, Deloitte
This keynote will reveal how Deloitte leverages Neo4j’s graph power for groundbreaking digital twin solutions, achieving a staggering 100x performance boost. Discover the essential role knowledge graphs play in successful generative AI implementations. Plus, get an exclusive look at an innovative Neo4j + Generative AI solution Deloitte is developing in-house.
GraphSummit Singapore | The Future of Agility: Supercharging Digital Transfor...
Digital Payment in Indonesia - Pembayaran Digital
1. ROLLING OUT DIGITAL PAYMENT PLATFORMS -
An Indonesian Perspective
Heru Sutadi
17th Annual Cards & Payments Asia
25 – 27th April 2012
Singapore
2. 2
ICT STATISTICS
Until the end 2011, the status of ICT infrastructure and services
are as follows:
Fixed line subscribers (PSTN): 8.328.180 subs
(3.49 %)
Fixed Wireless Access: 32.819.564 subs
(13.81 %)
Mobile: 213.256.931 subs
(89.79 %)
Internet users: 72 Millions
(30,31 %)
3. Digital Money
Mobile financial services was first
implemented in 2001 by Mobipay in
Spain, while mobile banking service has
been given for years in some countries
Mobile money becomes the focus of
attention because of this phenomenon a
success in several developing countries
Predicted until the end of 2013 more than
424 million mobile phone users will send
money to other mobile phone users in the
same country and 73 million will be
sending money to another country
There are three main types of financial
services: mobile money transfer, mobile
banking and mobile payment
4. CURRENT MARKET CHALLENGES
Although the market is well established,
there are a number of barriers currently
restricting it from reaching its full potential
and fulfilling the basic consumer needs:
Access
Security
Cost
Regulation.
6. IMPLEMENTATION
Compared to the bearer business model, mobile
operators who want to cooperate with financial
institutions whilst being present at the customer
interface (cash in/out) are more dependent on the
regulatory environment of their respective country.
If the agency rules prevent them to handle cash
and undertake the customer due diligence
procedures for AML/CFT prevention, then they may
not be able to choose the business models.
7. FINANCIAL REGULATION
The first level of financial regulation is AML/CFT
compliance, which generally becomes applicable when
the mobile operator becomes involved in cash handling
at the consumer interface.
The next level of regulation applying to mobile
operators is prudential regulation. Prudential regulation
becomes applicable when risks increase for the
involvement of the mobile operator in the financial
transaction, for consumers and for the wider financial
system.
8. PRUDENTIAL REGULATION
Prudential regulation ensures that regulated entities are
financially sound and promotes their prudent behavior.
The key aim of prudential regulation is protecting the
interests of consumers and the quality of an institution’s
systems for identifying, measuring and managing the
various risks in its business.
Prudential regulation can apply in various measures
depending on the risks.
9. MOBILE OPERATOR PERSPECTIVE
From a mobile operator perspective following thresholds
of prudential rules depending on the risks involved seem
useful:
Payment regulation (low risk – light prudential rules)
E-money (medium risk – medium heavy prudential rules)
Deposit taking, i.e. banking (high risk – heavy prudential rules)
However much such a risk-based approach would be
desired, it is not the rule, and in many countries
banking regulation applies to the majority of financial
services offered independently of the risks involved.
10. BENEFIT TO MOBILE OPERATOR
New customer acquisition (individual, corporate)
Non-traditional Telco revenues
Transaction fees
Share of Forex spread
Finders/consumer sign-up fees
Future m-banking revenue (e.g. utility bill payments)
Increase in ARPU
Reduced churn (e.g. one operator reduced churn from
3% to 0.5% per month)
Meets government service obligations and CSR Agendas
Opportunity to up-sell (e.g. mobile content, prepaid to
post paid)
11. MOBILE OPERATOR SITUATIONS
From a mobile operator perspective agency rules
become relevant with regard to two situations:
2. Can the mobile operator become an agent?
• Becoming an agent allows the mobile operator to use its
own distribution chain to accept/disburse cash at both
ends of the MMT service.
3. Can a mobile operator operating a payment
service or e-money use other retailers as agents
for MMT services?
12. DIGITAL
WAVES
Telekomunikasi Entertainment Financial Services
Telecommunication Broadcasting
Game
Voice Music TV
Cable TV
Internet VOD
Satellite TV
Penyiaran
IP-TV Interactive TV
DIGITAL
Mobile services
ANALOG
Internet / Multimedia
RUU
Konvergensi
Telematika
UU 36/199
Telekomunikasi
RUU
perubahan
Penyiaran
UU 32/2002
Penyiaran
RUU
perubahan
ITE
UU 11/2008
ITE Regulatory old model RUU
TIPITI
Regulatory new model
Old Law & Regulatory
ICT Act & Reg New Law & Regulatory
13. Toward a Less cash society
Grand design
E money – prepaid card as stated at the PBI no
7/52/PBI/2005 concerning the Card Payment
Instrument Operational Activity
Definition:
Prepaid product /e-money : stored-value or prepaid
products in which a record of the funds or value available
to a consumer is stored on an electronic device in the
consumer’s possesion
Access Product (debet card and credit card)
PBI : Peraturan Bank Indonesia / Indonesia Central Bank Rule
14. DIGITAL MONEY IN INDONESIA
Some operators provide M-Money services:
International remittances which are targeted by
Indonesian workers who were working in foreign
countries who wish to transfer money to families in
Indonesia
Mobile banking services. Some banks have been
working with telco operators to include this services as
basic services commensurate with the services
ringtones, wallpapers or service information and content
Payments also begin to move since taking over two
years ago, with the term e-wallet.
16. CASE STUDY (1)
Telkomsel Cash User (t-cash)
630,287
800,000 728,171
604,754
600,000
482,236
503,267 531,557
400,000 348,587
513,511
112,076
200,000 103,709 108,898
104,935
-
17. CASE STUDY (2)
Merchant Category %
Retail 94.0% Features :
Fashion/ Life style 1.2%
Bill Payment 0.1%
3.Cash in
Education & University 0.4%
Food and beverage 0.8% 4.Purchase
Insurance 0.0% 5.Online Purchase
Portal 0.1% 6.Bill Payment
Cellular Shop 0.5% 7.P2P Transfer
Telkomsel Channel 1.1% 8.Cash Out
Others 1.6%
Number of partners : over 150 companies
23. LAW AND REGULATION
There are several law and regulation that must be
consider to provide M-Money services:
Law No. 11/2008 about Information and Electronic
Transaction
Law No. 10/1998 about Banking
Law No. 25/2003 about Anti Money Laundering
(including Combating Financing of Terrorism)
Indonesian Central Bank Decree No. 11/2009 about E-
Money.
24. Bank Indonesia Regulation no 11/12/PBI/2009 concerning
Electronic Money
Bank or Non Bank Institution has to obtain the license from Bank Indonesia as
Principal, Issuer, Acquiere, Clearing Procsessor and /or End Settlement Processor
Entity Legal Form :Non Bank institution shall be incorporated as Limited Company
that abides to the Laws of Indonesia.
Currency Usage must be Indonesian Rupiah
Enhancement of security Technology : Utilizes a reliable and secure system,
Maintain and enhances Electronic Money security Technology, Possesses written
standard operating procedures pertaining e-money activity, Maintain the security
and confidentiality of the data.
The Limit of e-money :
Rp 1,000,000.- for unregistred type of customers
Rp 5,000,000.- for registered type of customers
The value of the e-money must equal with the deposit value.
25. Conclusion
The trend of digital money in Indonesia is increasing
significantly recently. It means that this kind of business is
very attractive in the very near future
The Licence is granted by Bank Indonesia to Bank and Non
Bank institution to be a Principal, an Issuer, an Acquiere, a
Clearing Processor and /or an End Settlement Processor
The ICT infrastructure as well as the Broadband Backbone
and Broadband Access is seriosly planned by the Indonesia
Government to facilitate in implementing the digital money
especially m-money.
Access: Access to facilities to receive money is often limited Those who would benefit most are therefore the least likely to benefit from remittances from migrant worker Cost: A number of mechanisms for cross-border remittances already exist, ranging from international bank transfers, specialist remittance companies and indeed a large ‘informal’ sector where methods for transferring cash are varied and difficult to quantify. These mechanisms are prohibitively expensive for small denomination transfers, which limit the ability of individual workers to distribute funds to a larger number of people and penalise the poor who can only afford to send small amounts. The informal sector also presents challenges to governments and their agencies