The document discusses trends and projections for the fintech industry in Indonesia in 2017. It estimates the value of different sectors of the fintech industry, including digital payments at $18.61 billion, business finance at $14 million, and personal finance at $20 million. The total value of fintech transactions in Indonesia was projected to reach $18.64 billion by 2017. The document also notes that as of 2014, only 15.02 billion of Indonesia's population of over 249 million had bank accounts, highlighting opportunities for financial inclusion through fintech.

1. Fintech in Indonesia:
Trends and Projections
January 2017

2. Digital
payments
USD 18,61
miliar
Business
finance
USD 14 juta
Personal
finance
USD 20 juta
Estimasi Nilai Industri Fintech Indonesia – (Riset Statista tahun 2017)
Covered Not Covered
• Online processed payment
transactions
• Mobile payments processed via
smart devices at point-of-sale
• Cross-border peer-to-peer payments
• Digital consumer commerce
transactions (e.g. credit card, online
payment providers etc.)
• mPOS solutions (dongle
payments) for card payments or
mobile card readers
• Domestic peer-to peer transfers
& social payments
• Business-to-business payments
• Electronic banking (e-Banking)
• Provision fees from payment
providers
• Covered Not Covered
• Alternative financing for
SMEs and freelancers
• Marketplace lending from
private or institutional
investors (non-banks)
• Equity-based crowdfunding
(or crowd-investing)
• Traditional bank loans
• Donation-based and reward-
based crowdfunding
• Traditional venture capital
investments by institutional or
private investors
• Covered Not Covered
• Peer-to-peer lending
platforms (marketplace
lending)
• Robo-advisors
(automated wealth
management services)
• Bank loans and metasearch engines
for credit and insurance offers
• Non-automated financial advisory,
financial planning or broker services
• Personal finance management
services (PFM) and budgeting
manager
Total nilai
transaksi
18,64 miliar
USD
• https://www.statista.com/outlook/295/120/fintech/indonesia

3. Digital Payment
Personal Finance
Fintech (all sectors)
Business Finance
Proyeksi Industri Fintech Indonesia – (Riset Statista tahun 2017)
Source : statista.com

4. CURRENT STATE AND POTENTIALS
OF FINTECH IN INDONESIA
FinTech Transaction THE NEEDS OF CREDIT
FOR DEVELOPMENT
THE STATE OF FINANCIAL
INCLUSIONIN INDONESIA(2014)
15.02 billion
37.12billion
49million
units of SME are unbankable
Rp 988trillion
gap of development financing
Rp.150 billion
P2P lendingis
currentlystill under
bank account owners
Penetrationofbank branch
per 100,000 populations
Is only1/6 of penetrationlevel
inEuropean countries
36%

5. Identified number of company: 135
CURRENT STATE AND POTENTIALS
OF FINTECH IN INDONESIA
o The profile of current FinTech companies are still dominated by payment companies
o Majority of these companies have less than 2 years of operation

6. IDENTIFYING THE NEEDS FOR REGULATIONS
(WITH DELOITTE CONSULTING)