{"id":240,"date":"2019-02-07T15:48:28","date_gmt":"2019-02-07T08:48:28","guid":{"rendered":"https:\/\/danamart.id\/blog\/?p=240"},"modified":"2026-03-13T06:21:26","modified_gmt":"2026-03-13T06:21:26","slug":"arah-fintech-indonesia","status":"publish","type":"post","link":"https:\/\/danamart.id\/blog\/arah-fintech-indonesia\/","title":{"rendered":"Arah Fintech Indonesia"},"content":{"rendered":"\n<p>Di tengah melejitnya kinerja Ant,\u00a0<em>fintech\u00a0<\/em>asal Tiongkok, Indonesia masih belum mampu menentukan kiblatnya dalam industri ini.\u00a0<em>Founding Director\u00a0<\/em>Asosiasi Fintech Indonesia Ajisatria Suleiman menilai teknologi finansial di Indonesia masih meraba-raba arah kiblatnya, antara AS atau Tiongkok. \u201cDi AS banyak\u00a0<em>fintech\u00a0<\/em>besar tapi terdistribusi, sementara di Tiongkok ada dua super\u00a0<em>platform,\u00a0<\/em>Alipay dan WeChat Pay,\u201d ucap Aji.<\/p>\n\n\n\n<p>Indonesia sebenarnya tak perlu berkiblat, sambung Aji. Sebab, Indonesia memiliki karakteristik yang unik dan berbeda dari dua raksasa ekonomi dunia itu. Salah satunya adalah tingkat literasi perbankan Indonesia yang masih rendah, meski sekitar 60% di antaranya memiliki ponsel pintar sendiri. Pada awal kemunculan\u00a0<em>fintech\u00a0<\/em>di Tiongkok, sekitar 75% penduduknya sudah memiliki rekening di bank. Sehingga, model produk\u00a0<em>fintech<\/em>\u00a0didesain agar tersinkronisasi dengan perbankan. \u201cKalau Alipay, kita\u00a0<em>download<\/em>\u00a0langsung diminta rekening lalu otomatis link. Di Indonesia saat ini masih banyak yang harus\u00a0<em>top up\u00a0<\/em>untuk masyarakat yang\u00a0tidak<em>\u00a0<\/em>punya rekening bank,\u201d kata Aji.<\/p>\n\n\n\n<p>Ketua\nHarian Asosiasi Fintech Indonesia (Aftech) Kuseryansyah mengatakan,\nekosistem&nbsp;<em>fintech&nbsp;<\/em>di Indonesia dapat diperkuat melalui\nutilisasi infrastruktur secara maksimal. Jika infrastruktur digitalnya sudah\nbaik, adopsinya pun akan tinggi. Contoh infrastruktur digital yang dimaksud\nseperti pemanfaatan KTP elektronik dari Dukcapil. Hal ini juga dapat mengurangi\nrisiko konsumen fiktif dalam pelaksanaan layanan.<\/p>\n\n\n\n<p>\u201cKalau\nada yang mengajukan pinjaman pada layanan&nbsp;<em>peer-to-peer,&nbsp;<\/em>khususnya\nyang berada di lokasi jauh seperti Papua, proses&nbsp;<em>underwriting-<\/em>nya\nbisa dilakukan lewat data itu,\u201d kata Kus dalam&nbsp;<em><a href=\"https:\/\/www.wartaekonomi.co.id\/read208937\/5-startup-ini-diprediksi-akan-debut-ipo-pada-2019.html\" target=\"_blank\" rel=\"noreferrer noopener\">WartaEkonomi<\/a><\/em><em>.<\/em>Sayangnya,&nbsp;<em>fintech&nbsp;<\/em>di\nIndonesia belum bisa mengakses data KTP elektronik di Dukcapil lantaran\nberbagai isu seperti keamanan, kedaulatan data, hingga keamanan siber.<\/p>\n\n\n\n<p>Sumber&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; : <a href=\"https:\/\/beritagar.id\/artikel\/berita\/industri-fintech-sukses-memikat-investor-besar\">https:\/\/beritagar.id\/artikel\/berita\/industri-fintech-sukses-memikat-investor-besar<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Di tengah melejitnya kinerja Ant,\u00a0fintech\u00a0asal Tiongkok, Indonesia masih belum mampu menentukan kiblatnya dalam industri ini.\u00a0Founding&#8230;<\/p>\n","protected":false},"author":3,"featured_media":6580,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-240","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel"],"_links":{"self":[{"href":"https:\/\/danamart.id\/blog\/wp-json\/wp\/v2\/posts\/240","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/danamart.id\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/danamart.id\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/danamart.id\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/danamart.id\/blog\/wp-json\/wp\/v2\/comments?post=240"}],"version-history":[{"count":1,"href":"https:\/\/danamart.id\/blog\/wp-json\/wp\/v2\/posts\/240\/revisions"}],"predecessor-version":[{"id":6581,"href":"https:\/\/danamart.id\/blog\/wp-json\/wp\/v2\/posts\/240\/revisions\/6581"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/danamart.id\/blog\/wp-json\/wp\/v2\/media\/6580"}],"wp:attachment":[{"href":"https:\/\/danamart.id\/blog\/wp-json\/wp\/v2\/media?parent=240"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/danamart.id\/blog\/wp-json\/wp\/v2\/categories?post=240"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/danamart.id\/blog\/wp-json\/wp\/v2\/tags?post=240"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}