Optimalisasi Peran Fintech Perkuat Ekonomi Digital RI

Summary

The transcript highlights Indonesia's efforts to build a digitally ready society through government programs aimed at enhancing literacy, accessibility, skills, and employment. Coordinating Minister Erlangga Hartato emphasizes infrastructure development and private sector collaboration to strengthen digital ecosystems, particularly for micro, small, and medium enterprises (MSMEs). Adrian Asrianto Gunadi, CEO of Investry, discusses the growth potential of Indonesia's digital economy, driven by a young population, high internet penetration, and a robust digital ecosystem. He underscores the importance of legal frameworks, collaboration across fintech, e-commerce, logistics, and banking sectors, and building digital identities for MSMEs to facilitate access to funding and financial services.

Takeaways

• 🌐 The Indonesian government is promoting programs to create a digitally ready society, focusing on literacy, accessibility, skills, and employment.
• 🏛️ Coordinating Minister for Economics Erlangga Hartato emphasized improving infrastructure and connectivity to ensure even and fair access to digital services.
• 🤝 Collaboration with the private sector is crucial to strengthen digital accessibility and support the growth of the digital ecosystem, particularly for MSMEs.
• 💻 Investry participated in the 2022 Indonesian Digital Economy and Finance Festival to support the development of a sustainable digital economy for MSMEs.
• 📈 Becoming a lender on Investry allows individuals to finance MSMEs, manage funding risks, and contribute to the national digital economy ecosystem.
• 💡 The target of achieving 90% financial inclusion by the end of 2024 is aligned with promoting the growth of MSMEs and the broader economy.
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• 💰 Indonesia's digital economy has a projected potential of over 4,500 trillion Rupiah by 2030, driven by a young population, increasing internet penetration, and a growing digital ecosystem.
• 🔑 Key strategies for realizing this potential include a strong legal framework, ethical business practices, and active collaboration among fintech, e-commerce, logistics, and banking sectors.
• 🛠️ Fintech players are developing digital identities and digital footprints for MSMEs to improve access to funding and other financial services.
• 🚀 A comprehensive approach combining government initiatives, private sector support, and industry collaboration is essential to accelerate Indonesia's digital economy growth.

Q & A

What are the main programs the Indonesian government is promoting to create a digitally ready society?

The government is promoting programs such as national digital literacy initiatives and 'Indonesia Makin Cantik Digital', focusing on literacy, accessibility, skills, and employment to support a digitally ready society.

What role does the private sector play in Indonesia’s digital ecosystem according to the transcript?

The private sector is crucial for developing digital accessibility and supporting the digital economy, particularly in strengthening the ecosystem for micro, small, and medium enterprises (MSMEs).

How does Investry contribute to the growth of Indonesia's digital economy?

Investry participates in digital economy festivals and enables individuals to become lenders to finance MSMEs, thereby supporting sustainable digital economic growth and financial inclusion.

What benefits do individuals gain by becoming lenders through Investry?

Individuals can earn attractive returns, measure funding risks, manage portfolios independently, and contribute to the development of the digital economy for MSMEs.

What is the potential value of Indonesia's digital economy by 2030 mentioned in the transcript?

The potential value of Indonesia's digital economy could exceed 4,500 trillion Rupiah by 2030.

What factors contribute to the rapid adoption of digital technologies in Indonesia?

Key factors include a young population (50% under 30 years old), high internet penetration, and a rapidly developing digital ecosystem across fintech, e-commerce, logistics, and edutech sectors.

According to Adrian Asrianto Gunadi, what is one of the first steps industry players must take to support digital economy growth?

Industry players must establish a strong legal framework and a code of conduct, even in the absence of formal data protection regulations, to ensure safe and effective digital operations.

Why is collaboration important for the development of Indonesia’s digital economy?

Collaboration allows different ecosystem players—fintech, e-commerce, logistics, banking—to leverage their respective strengths, optimize value, and collectively accelerate the growth of the digital economy.

What is a 'digital footprint' or 'digital identity' and why is it important for MSMEs?

A digital footprint or digital identity is a comprehensive profile of MSMEs and communities that allows better access to funding and other financial services, helping to formalize and strengthen the digital economy.

How does strengthening digital infrastructure support economic growth in Indonesia?

Improved digital infrastructure ensures more evenly distributed connectivity and higher-quality services, which enhances accessibility for citizens and businesses, ultimately driving economic growth.

What is the target for financial inclusion in Indonesia by the end of 2024?

The government aims to achieve 90% financial inclusion by the end of 2024, supported by digital economy initiatives and private sector collaboration.

How does Investry's marketplace align with government initiatives for MSMEs?

Investry's marketplace enables individuals to fund MSMEs, aligning with government efforts to strengthen the digital ecosystem, improve financial inclusion, and accelerate national economic recovery.