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CURRENT DEVELOPMENT IN DISRUPTIVE TECHNOLOGY: OPPORTUNITY & CHALLENGES PowerPoint Presentation
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CURRENT DEVELOPMENT IN DISRUPTIVE TECHNOLOGY: OPPORTUNITY & CHALLENGES

CURRENT DEVELOPMENT IN DISRUPTIVE TECHNOLOGY: OPPORTUNITY & CHALLENGES

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CURRENT DEVELOPMENT IN DISRUPTIVE TECHNOLOGY: OPPORTUNITY & CHALLENGES

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  1. CURRENT DEVELOPMENT IN DISRUPTIVE TECHNOLOGY:OPPORTUNITY & CHALLENGES Tito Satya Rinaldi, SE, Ak.

  2. PHENOMENON CHALLENGES OPPORTUNITY

  3. PHENOMENON “The only real mistake is the one from which we learn nothing.” HENRY FORD

  4. DISRUPTIVE TECHNOLOGY WHAT’S ON THE RADAR?

  5. BEEP! BEEP! BEEP! “AT LEAST 40% OF ALL BUSINESS WILL DIE IN THE NEXT 10 YEARS... IF THEY DON’T FIGURE OUT HOW TO CHANGE THEIR ENTIRE COMPANY TO ACCOMODATE NEW TECHNOLOGIES.” JOHN CHAMBERS, EXECUTIVE CHAIRMAN & CEO CISCO SYSTEMS

  6. INDUSTRIES THAT DISRUPTED BY TECHNOLOGIES POST OFFICE PUBLIC TRANSPORT HUMAN TRAVEL AGENT FINANCIAL SERVICES HOTEL & MOTEL NEWSPAPERS & MAGAZINE BRICK-N-MORTAR SELLERS TV & MUSIC DISTRIBUTION

  7. WHO DISTRUPTED THEM? THE BIGGEST INFORMATION PROVIDER THE BIGGEST TRANSPORTATION PROVIDER THE LARGEST LANDLORD OWNS NO CONTENT OWNS NO CAR OWNS NO PROPERTY

  8. WHO DISTRUPTED THEM? AND WE (ALMOST) KILLED POST OFFICE BY DOING THIS EVERY YEAR: Touch this means: No Post Office Worker, No Postage Stamp, No Courier!

  9. THE POINT IS... WE WANT EVERYTHING AS CLOSE AS OUR POCKETS. IT’S A LOT EASIER AND CHEAPER. AND IT’S IN REAL TIME!

  10. OUR BEHAVIOUR HAS CHANGED! PAST PREMISE TODAY’S PREMISE 30% 70% CLASSIC ECONOMICS BEHAVIOURAL ECONOMICS WHAT YOU SELL WHY YOU SELL IT SERVICE EXPERIENCE A BRAND A SOCIAL IDENTITY BRICK AND MORTAR CLICK AND MORTAR “SATISFACTION” “ENGAGEMENT”

  11. SO IF WE ARE INDUSTRY PLAYERS... PREPARE AN ARK AND TRY NOT TO SINK Yes, just like Noah! Survive! “By failing to prepare you are preparing to fail.” BENJAMIN FRANKLIN

  12. BUT MOST FOLKS ARE LOST BE AWARE! LET’S LOOK AT SOME PHENOMENON

  13. BE AWARE! Uber Technologies is valued above General Motors, which has been in the car making industry for over 100 years! Source: https://www.statista.com/chart/7424/uber-is-closing-in-on-volkswagen/

  14. BE AWARE! TENCENT: Wepay and WeBank ALIBABA: MyBANK and ALIPAY • 300M MONTHLY MOBILE ACTIVE ALIPAY USERS • TOTAL PAYMENT VOLUME: $519B • 715M TRANSACTIONS PER DAY • LEVERAGING WECHAT >800M ACTIVE USERS • Source: • https://expandedramblings.com/index.php/alipay-statistics/ • https://medium.com/@charliecliu/everything-you-need-to-know-about-alipay-and-wechat-pay-2e5e6686d6dc

  15. BE AWARE! 2016 Volume: >USD +5.000B • 2015 • Volume: <USD +2.300B • TENCENT LAUNCHES WeBank • 2014 • Volume: <USD +1.200B • AliPay 10th birthday CHINA’S MOBILE PAYMENT VOLUME AliPay + WeChat versus 2017 27% WECHAT TRANSACTIONS ARE USING QR CODE 2013 Volume: <USD 1000B INDONESIA OVERALL CASHLESS LANDSCAPE • 2012 • PBI Remittance 2014 RELEASED: LAKU PANDAI • 2009 • Review on Branchless Banking (LAKU PANDAI) • PBI e-Money • PonselPay by Permata Bank • 2017 • 27 E-MONEY ISSUERS • TOTAL TRANSACTION: IDR 1,4T (JUL 2017) 2017 INDONESIA & CHINA BEGIN REGULATING QR CODE PAYMENTS

  16. HOW ABOUT INDONESIA? JUMLAH BANK: 115 BANK UMUM (SEPT 2017) 1.637 BPR (NOV 2016) • Source: • Digital Financial Inclusion in Indonesia Presentation • https://databoks.katadata.co.id/datapublish/2017/11/17/berapa-jumlah-bank-umum-saat-ini

  17. HOW ABOUT INDONESIA? TRANSPORTATION E-WALLET & GATEWAY P2P LENDING CONSUMER GOODS SPACE PERSONAL SERVICES

  18. HOW ABOUT INDONESIA? 30 REGISTERED P2P LENDING (OJK, 28 JAN 2018) 85 P2P LENDING FINTECH Source: Investree Marketplace Lending Presentation 2017

  19. BE AWARE! 3 3 8 NUMBER OF FUNDING ROUNDS NUMBER OF LEAD INVESTORS NUMBER OF ACQUISITION $1.8B 15 3 TOTAL FUNDING AMOUNT NUMBER OF INVESTORS NUMBER OF INVESMENTS • THEIR SMART MOVES: • The acquisition of online, offline, and unbanked fintech companies in 2016-2017. • In October 2017, Go-PAY transaction have contributed 30% of overall e-money transactions. Source: crunchbase.com/organization/go-jek

  20. PHENOMENON CHALLENGES OPPORTUNITY

  21. CHALLENGES “Failure isn’t fatal, but failure to change might be.” JOHN WOODEN

  22. INTERNET OF VALUE – BLOCKCHAIN Distributed ledger architecture will democratize transaction and value AND DISRUPT MULTIPLE INDUSTRIES...

  23. ARE BANK BRANCHES WILL BECOME OBSOLETE? • According to The European Banking Federation: • The number of bank branches in the EU had been reduced to 189.000 at the end of 2016, a 4,6% fall on the previous year. • British banks alone set to close a record 762 branches this year (2017). • Staff numbers were their lowest since 1997, at around 2,8 million people. • Banks also looked to consolidate or merge to increase profitability.

  24. MAP INDONESIA DISCONTINUED DEBENHAMS “ The millennial generation's shopping trends have shifted from department stores to specialty outlets. Indonesia also saw significant growth in the e-commerce industry, which affected offline stores. Fetty Kwartati, MAP Head of Corporation Source: http://www.thejakartapost.com/life/2017/10/26/lotus-debenhams-in-indonesia-to-close-down-by-years-end.html

  25. THE NEED TO BOOST OUR SKILL SETS A new report released by McKinsey & Company indicates that by 2030, as many as 800 million workers worldwide could be replaced at work by robots. Source: https://www.cnbc.com/2017/11/30/robots-may-replace-up-to-800-million-workers-by-2030.html

  26. HOW ABOUT INDONESIAN STARTUP? 42% DOESN’T MEET MARKET NEEDS FAILED STARTUPS IN INDONESIA: 29% INSUFFICIENT CAPITAL 23% POOR TEAM/MANAGEMENT 19% COMPETITION 18% BAD PRICING STRATEGY

  27. OPPORTUNITY “One has to remember that every failure can be a stepping-stone to something better.” JOHN WOODEN

  28. OPPORTUNITY FOR ESTABLISHED COMPANIES: GET INSIGHT FROM THE MARKET! FOR STARTUPS: BE A CHALLENGER!

  29. PRACTICAL IMPLEMENTATION ESTABLISH A VISION FOR TRANSFORMATION & BEGIN TO MAP OPPORTUNITIES & BEST PRACTICES.

  30. PRACTICAL IMPLEMENTATION INVEST IN THE MOST PROMISING INFRASTRUCTURE AND KEY RESOURCE.

  31. PRACTICAL IMPLEMENTATION BE AGILE. BUILD DEVELOPMENT TEAM TO PILOT NEW APPROACHES TO GET METHODS OFF THE GROUND.

  32. PRACTICAL IMPLEMENTATION GOVERNANCE, IMPROVEMENT, AND INNOVATION ARE VITAL TO ENSURE THAT OUR BUSINESS REMAIN RELEVANT & EFFECTIVE, EVOLVING AS NEW DISRUPTION ARISES.