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v11.0 – Mobile Payment
We’re back with a shout! Eleventh meetup of StartupLokal with the theme Mobile Payment. Payment has become one single obstacle for online transaction here in Indonesia. This #StartupLokal Meetup will try to dig more info from the panelists on the legal, financial and technical side especially for mobile payment.
Held at The Only One Club – FX Entertainment X’enter, Jakarta, 3rd March 2011. This event is proudly sponsored by meetup sponsor TokoBagus.com and annual sponsor 2010/2011 Nokia and supported by our media partner Kompas.com. Thanks to @SitraWiMAX and @rosarirosari for our doorprizes – DailyPass JavaJazz tickets.
207 registered participants yet we were able to get to 214 participants with more and more first-timers came to the meetup. We’re hoping that it was a great first experience for you, and for others, keep coming, because we’re indeed improving meetup-to-meetup.
Mobile, Mobile, Mobile. We have discussed about Mobile in general on the third meetup, and Mobile Gaming on the sixth. This has prove one thing, that Mobile is already important and big as it is right now, yet it’s not at its full potential. There’s room for further growth and to facilitate our life so that we can live at ease on the go.
As usual, Nuniek Tirta opened the meetup with greetings and the StartUpdates! We got updates from a couple of startups.
After that there’s also an opening from Tokobagus, and Upik Sidarta from our annual sponsor Nokia added a presentation about Nokia Ovi Store & how Nokia encouraged local developers to develop apps for them.
Panelist for tonight’s meetup:
- Muhammad R. Nugraha – Mobile Commerce Management Telkomsel – Handles partnership with partners who would like to apply the T-Cash contactless services
- Alif Yordan – Development Team T-Cash – handles development programs for T-Cash services, especially applications related to internet payment
- Mr. Aidil Akbar – @AidilAkbar- 16 years Independent Financial Advisor (Planner) USA – Indonesia, Chairman International Association of Registered Financial Consultants, Senior Advisor – Managing Partner Akbar’s Financial Check Up, President Director – Pavillion Wealth Management, Board of Expertise – AMAAI, Partners for few digital/online businesses
- Mr. Ruby H. Wijoseo from PT. Finnet Indonesia – VP Sales and Marketing
and because of his quality, ‘re-elected’ Moderator Citra Purnawijaya @citrapw from Ajita Creative.
Here’s the summary from the meetup:
- Online shopping in ‘the past’ – you choose stuffs you want to buy, check out, wire/transfer the money, confirm it and then you will receive the stuff.
Online shopping ‘now’ – You’ll receive the stuff right after you paid for them, online cashier concept. - MC is money on your mobile phone that can be used for any transactions, MC credits can be cashed-in to FinChannel such as SMS banking and ATM. It can also be topped up by Internet Banking.
- MC is for all operators while T-Cash only for Telkomsel users.
- T-Cash is using top-up system, you can shop right from your phone! Example: there’s an online boutique, with T-Cash available as payment alternative, you can just enter your mobile number and confirmation code, and done!
- There’s a difference between e-Wallet and e-Money, e-Wallet is payment facilitator(e.g. PayPal,KasPay), while e-Money are MC & T-Cash
- e-Money, converting your money to digital currency, buying everything from contents to goods will never be easier
- If you have an online shop, with transactions over or equivalent to 600 millions IDR(about US$67k)/year, your income are subject to PPN(Value Added Tax), if you’re not a company, then it’s a taxable personal income up t0 35%, bigger than a business’ tax (25%).
- MC userbase has already touch twelve thousand users since December 2010. Targeting one million users at the end of the year. While for T-Cash, they already have 4 million users!
- Average transactions for MC is between 100k-500k IDR(11US$-55US$). User top up at the most is one million IDR.
- Aidil Akbar warned us about being an illegal bank that kept a floating money, for example if you’re an e-commerce startup and you’re keeping your users’ money first(deposit to purchase). Groupon business model is on the grey area since Bank Indonesia didn’t have an exact rule just yet.
Interesting topic, great discussion, faboulous venue, superb participants and networking time. See you guys at #StartupLokal meetup v12.0 – there will be sneakpeaks of our birthday event and initiators will be sharing their experience from the Ireland trip! Make sure you’re available to come next month!
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