{"object":"value","document":{"object":"document","data":{},"nodes":[{"object":"block","type":"heading-large","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"OVO, GoPay, DANA, LinkAja: Bergandeng Tangan Melawan Uang Tunai","marks":[]}]}]},{"object":"block","type":"figure","data":{"size":"outset"},"nodes":[{"object":"block","type":"image","data":{"image":{"id":"1565153664733781314","title":"LIPSUS Perang Dompet Digital, Ilustrasi dompet digital","description":"Ilustrasi dompet digital.","publicID":"zdmfub4oj5vonxpezwzp","externalURL":"https://img.kumparan.com/image/upload/v1565152731/zdmfub4oj5vonxpezwzp.jpg","awsS3Key":"2019/Aug/image/zdmfub4oj5vonxpezwzp/","height":1688,"width":3000,"locationName":"DKI Jakarta","locationLat":-6.2293867,"locationLon":106.6894284,"mediaType":"image","mediaSourceID":"1","photographer":"Jamal Ramadhan/kumparan","eventDate":"2019-08-06T17:00:00Z","__typename":"Media"}},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"","marks":[]}]}]},{"object":"block","type":"caption","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Uang tunai atau uang digital? Foto: Jamal Ramadhan/kumparan","marks":[]}]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Penyedia platform ","marks":[]}]},{"object":"inline","type":"link","data":{"href":"https://kumparan.com/topic/perang-cashback-uang-digital"},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"pembayaran digital","marks":[]}]}]},{"object":"text","leaves":[{"object":"leaf","text":" berperang berebut pangsa pasar. Segala cara mereka tempuh, mulai dari jorjoran menawarkan ","marks":[]},{"object":"leaf","text":"cashback","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":" sampai mengiming-imingi pengguna aplikasi agar menggaet pengguna baru dengan imbalan bonus.","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Peneliti INDEF Bhima Yudhistira mengatakan, industri pembayaran digital masih pada tahap pembentukan pasar. Maka, tak mengherankan bila empat platform dompet digital—OVO, GoPay, DANA, dan LinkAja—terus beradu kuat menyebar promo dan","marks":[]},{"object":"leaf","text":" cashback.","marks":[{"object":"mark","type":"italic","data":{}}]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"“Sebenarnya memberikan promo itu bukan hal yang haram. Itu bagian dari strategi korporasi,” kata Bhima.","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Chief Communication Officer DANA Chrisma Albandjar menyatakan tebar promo dan ","marks":[]},{"object":"leaf","text":"cashback","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":" oleh perusahaannya bertujuan untuk membangun infrastruktur dan memperoleh pasar.","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Strategi serupa ditempuh OVO. Hingga kini ia fokus memperluas jaringan dengan merambah berbagai jenis pembayaran.","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"“Kami baru berdiri 2017, seperti ","marks":[]},{"object":"leaf","text":"baby.","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":" Jadi ini masa kami mulai memperkenalkan diri kepada konsumen,” kata Direktur OVO Harianto Gunawan.","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Para pemain platform pembayaran digital memang tidak menargetkan beroleh untung dalam waktu dekat. Mereka tak keberatan menggunakan modal untuk mengguyur konsumen dengan berbaga promo dan ","marks":[]},{"object":"leaf","text":"cashback","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":".","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Yang penting, mereka bisa menggeser kebiasaan masyarakat yang sehari-hari menggunakan uang tunai ","marks":[]},{"object":"leaf","text":"(cash)","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":" menuju platform ","marks":[]}]},{"object":"inline","type":"link","data":{"href":"https://kumparan.com/@kumparantech/bukan-go-pay-ovo-sebut-saingan-mereka-adalah-pembayaran-tunai-1545310576499730941"},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"pembayaran digital","marks":[]}]}]},{"object":"text","leaves":[{"object":"leaf","text":".","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Berikut petikan perbincangan dengan Chief Communication Officer DANA Chrisma Albandjar, Director of Enterprise Payment OVO Harianto Gunawan, Managing Director GoPay Budi Gandasoebrata, dan CEO LinkAja Danu Wicaksana yang ditemui ","marks":[]},{"object":"leaf","text":"kumparan","marks":[{"object":"mark","type":"bold","data":{}}]},{"object":"leaf","text":" terpisah di kantor mereka masing-masing.","marks":[]}]}]},{"object":"block","type":"figure","data":{"size":"outset"},"nodes":[{"object":"block","type":"image","data":{"image":{"id":"1565153664492106580","title":"LIPSUS Perang Dompet Digital, Ilustrasi dompet digital","description":"Ilustrasi dompet digital.","publicID":"jjm3feib3fm3ck2my2cp","externalURL":"https://img.kumparan.com/image/upload/v1565152733/jjm3feib3fm3ck2my2cp.jpg","awsS3Key":"2019/Aug/image/jjm3feib3fm3ck2my2cp/","height":1451,"width":2580,"locationName":"DKI Jakarta","locationLat":-6.2293867,"locationLon":106.6894284,"mediaType":"image","mediaSourceID":"1","photographer":"Abil Achmad Akbar/kumparan","eventDate":"2019-08-06T17:00:00Z","__typename":"Media"}},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"","marks":[]}]}]},{"object":"block","type":"caption","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Ragam dompet digital. Foto: Abil Achmad Akbar/kumparan","marks":[]}]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Apa visi perusahaan Anda dengan menyediakan platform uang elektronik?","marks":[{"object":"mark","type":"bold","data":{}},{"object":"mark","type":"italic","data":{}}]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"GoPay:","marks":[{"object":"mark","type":"bold","data":{}}]},{"object":"leaf","text":" Mimpi kami, pengguna kalau mau berbelanja atau bertransaksi setiap hari itu pakai GoPay. Bertransaksi di mana saja kapan saja, apa saja itu pakai GoPay. Kalau kami lihat memang masalah ","marks":[]}]},{"object":"inline","type":"link","data":{"href":"https://kumparan.com/@kumparanbisnis/sudah-siapkah-masyarakat-indonesia-hidup-tanpa-uang-tunai-1536916332206122175"},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"pembayaran digital","marks":[]}]}]},{"object":"text","leaves":[{"object":"leaf","text":" atau inklusi keuangan itu masih cukup besar di Indonesia. Kalau nggak salah untuk inklusi keuangan itu angkanya masih sekitar 50 persen, ","marks":[]},{"object":"leaf","text":"depending on which statistic you read.","marks":[{"object":"mark","type":"italic","data":{}}]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Tapi dengan adanya banyak pemain kompetisi ini, ini salah satu cara yang paling baik untuk memperkenalkan konsep produk ","marks":[]},{"object":"leaf","text":"digital payment","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":", khususnya untuk masyarakat Indonesia. Jadi kami melihatnya ini kompetisi bagus, karena ujung-ujungnya dengan adanya kompetisi, ya manfaat terbesar itu justru ke user-usernya. Makanya kalau kita lihat dengan semakin banyaknya pemain dompet digital Indonesia, berarti adopsi untuk ","marks":[]},{"object":"leaf","text":"digital payment","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":" ke masyarakat juga semakin cepat.","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"OVO: ","marks":[{"object":"mark","type":"bold","data":{}}]},{"object":"leaf","text":"Pertama kali muncul yaitu bagaimana kami bisa berkontribusi terhadap mempercepat ","marks":[]},{"object":"leaf","text":"cashless society","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":". Nah pasti tidak lain ","marks":[]},{"object":"leaf","text":"cashless society","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":" itu berhubungan langsung dengan financial inklusi. Karena saat ini kalau kita lihat ","marks":[]},{"object":"leaf","text":"digital payment","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":" khususnya di Indonesia itu masih cukup rendah dibandingkan cash.","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Maka dari itu tadi salah satu fokus dari kami, kami terus berkomitmen untuk bisa bersama-sama mengembangkan segala produk-produk yang inovasi sehingga tadi bisa memberikan support bisa mempercepat perpindahan dari cash menjadi ","marks":[]},{"object":"leaf","text":"cashless society","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":".","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Direktur Eksekutif Departemen Kebijakan Sistem Pembayaran Bank Indonesia Filianingsih Hendarta mengatakan pembayaran nontunai berpotensi meningkatkan pertumbuhan ekonomi dalam beberapa hal. Pertama, peningkatan dana masyarakat di perbankan bisa memperbesar kapasitas penyaluran kredit dan ketahanan sistem keuangan. Kedua, mengurangi friksi dalam transaksi pembayaran sehingga meningkatkan efisiensi perekonomian dan penghematan biaya transaksi tunai yang dapat digunakan untuk kegiatan ekonomi yang lebih produktif.","marks":[{"object":"mark","type":"italic","data":{}}]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"DANA:","marks":[{"object":"mark","type":"bold","data":{}}]},{"object":"leaf","text":" Kami memiliki visi, bahwa kita Indonesia itu menjadi lebih efisien, lebih produktif dan secara ekonomi lebih cepat maju dengan nontunai. Karena anda bayangkan sekarang kalau anda harus bayar dengan tunai, wah uang cash saya nggak cukup nih, mesti pergi ke atm dulu, baru saya bayar, lalu kalau ATM nya kosong ‘aduh besok aja ya’ malah bisa tidak jadi membeli. Akhirnya transaksi itu tidak terjadi. Tapi kalau misalnya anda sekarang nontunai, sudah tidak terbatas lagi pada jarak, cukup secara elektronik. ","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Jadi kita yakin bahwa untuk meningkatkan ekonomi, mempercepat ekonomi Indonesia itu adalah dengan melakukan transaksi nontunai, tanpa kartu, langsung di handphone. Dompet saya rasa kalau ketinggalan itu nggak apa-apa, tapi kalau handphone ketinggalan repot kita.","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"LinkAJa:","marks":[{"object":"mark","type":"bold","data":{}}]},{"object":"leaf","text":" Kalau kami melihat pasar yang ada sekarang sebetulnya kita cukup ","marks":[]},{"object":"leaf","text":"happy","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":" dengan adanya banyaknya pemain (penyedia jasa uang digital). Ini artinya kita sama-sama melakukan edukasi transaksi non tunai kepada masyarakat. Link aja lahir untuk memberikan sesuatu yang berbeda kepada masyarakat Indonesia dalam artian kami akan sedikit mencari ceruk pasar yang belum digarap pemain lain, dalam hal ini kami melihat bahwa pemain yang ada sekarang ini itu sangat banyak fokus di lifestyle seperti pengiriman makanan pembayaran e-commerce, ","marks":[]},{"object":"leaf","text":"merchant","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":" di mal-mal dan sebagainya. ","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"LinkAja melihat dengan semua aset dan pemegang saham yang kami punya kami ingin mencoba mendigitalkan sendi-sendi kehidupan masyarakat. Aktivitas-aktivitas yang dilakukan masyarakat Indonesia dari pagi sampai malam yang sampai hari ini belum tersentuh layanan nontunai. Kami bicara masyarakat itu bukan hanya di kota besar dan bukan hanya masyarakat di segmen A, B, tapi banyak juga yang masyarakat indonesia di segmen C dan D. Di segmen ini boro-boro ngomongin ","marks":[]},{"object":"leaf","text":"Food and Beverage","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":", mereka ya sehari-hari bayar untuk kebutuhan sehari-hari. Nah bagaimana kita bisa menyentuh segmen masyarakat tersebut. ","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Kami ingin membantu pemerintah dalam rangka meningkatkan keuangan inklusif dan meningkatkan porsi transaksi digital serta meningkatkan porsi transaksi non tunai.","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"“Dampak dari pemakaian uang digital dan cashless ini ke depannya memang bisa membantu perekonomian. Asalkan ada pengawasan yg ketat dan harapannya yang tumbuh adalah startup lokal, yang didukung modal-modal ventura di dalam negeri. Sehingga uang hasil keuntungan dompet digital tadi, data centernya termasuk, keamanan data dan segala macamnya itu berputarnya hanya di Indonesia, tidak transaksi antar negara,” Bhima Yudhistira, Ekonom INDEF.","marks":[{"object":"mark","type":"italic","data":{}}]}]}]},{"object":"block","type":"figure","data":{},"nodes":[{"object":"block","type":"image","data":{"image":{"id":"1565153664600234383","title":"LIPSUS Perang Dompet Digital, Ilustrasi dompet digital, Ilustrasi Gopay","description":"Ilustrasi dompet digital Gopay.","publicID":"jsi6b1tzrswys5vtrysj","externalURL":"https://img.kumparan.com/image/upload/v1565152731/jsi6b1tzrswys5vtrysj.jpg","awsS3Key":"2019/Aug/image/jsi6b1tzrswys5vtrysj/","height":1688,"width":3000,"locationName":"DKI Jakarta","locationLat":-6.2293867,"locationLon":106.6894284,"mediaType":"image","mediaSourceID":"1","photographer":"Jamal Ramadhan/kumparan","eventDate":"2019-08-06T17:00:00Z","__typename":"Media"}},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"","marks":[]}]}]},{"object":"block","type":"caption","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Dompet digital GoPay. Foto: Jamal Ramadhan/kumparan","marks":[]}]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Saat ini platform uang digital sedang bertarung memberikan promo dan cashback, termasuk perusahaan anda. Kenapa pendekatan ini dipilih?","marks":[{"object":"mark","type":"bold","data":{}},{"object":"mark","type":"italic","data":{}}]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"LinkAja:","marks":[{"object":"mark","type":"bold","data":{}}]},{"object":"leaf","text":" Kami sedari awal menyadari bahwa strategi kami nggak akan ke sana (cashback) dalam jangka panjang. Karena memang benar membutuhkan pendanaan yang cukup besar untuk selalu memberikan ","marks":[]},{"object":"leaf","text":"sweetener","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":" kepada pelanggan.","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Kami akan fokus di esensial yakni menyalakan public transport, SPBU, dan sebagainya. Tapi perlu dilihat juga brand kita baru, saja orang belum tahu LinkAja itu apa, siapa, dan bisa apa jadi mau tidak mau di fase awal ini kami memiliki program marketing untuk meningkatkan brand awareness, untuk meng-encourage people untuk menggunakan LinkAja, sehingga memang ada program-program merchant kami juga menambah ","marks":[]},{"object":"leaf","text":"use case","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":" yang belum dimiliki uang elektronik lain.","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Dan kami tidak mungkin seagresif dan semasif kompetitor karena itu bukan strategi utama kita. Hanya untuk meningkatkan ","marks":[]},{"object":"leaf","text":"brand awareness","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":" kita di publik. karena kita brand baru, baru dikenalin aja bulan Maret, baru 4 bulan.","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"DANA:","marks":[{"object":"mark","type":"bold","data":{}}]},{"object":"leaf","text":" Jadi promo itu sebenarnya bukan untuk memanjakan pengguna gitu. Promo itu membuat pengguna itu ber-","marks":[]},{"object":"leaf","text":"experience","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":" merasakan transaksi masa depan, bentuk transaksi yang lebih efisien, bentuk transaksi yang jauh lebih membantu. ","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Orang pasti akan nyobain ah lumayan ","marks":[]},{"object":"leaf","text":"cashback","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":"nya. Itu dulu, lalu ia download dan bertransaksi, dapat ","marks":[]},{"object":"leaf","text":"cashback","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":" bisa digunakan buat transaksi kedua untuk bayar pulsa. Lama-lama buat apalagi gue punya dompet, KTP sama itu dibawa aja, diselipin. Misalnya ya, itu suatu edukasi. ","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Jadi kalau mau bilang kami bakar uang itu salah. Ini (promo dan ","marks":[]},{"object":"leaf","text":"cashback","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":") adalah bentuk edukasi. Bakar uang itu kalau edukasinya nggak dapat, uangnya keluar juga, artinya nggak ada gunanya. Tapi kan ini enggak, jadi bukan bakar uang tapi ini adalah cost biaya untuk edukasi. ","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Kamu mau nyobain ","marks":[]},{"object":"leaf","text":"experience","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":" belanja, mencoba ","marks":[]},{"object":"leaf","text":"experience ","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":"beli pulsa, ","marks":[]},{"object":"leaf","text":"experience","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":" kirim uang, ","marks":[]},{"object":"leaf","text":"experience","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":" bayar tagihan,","marks":[]},{"object":"leaf","text":" that is experience","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":". Sehingga punya suatu habit yang berubah. Jadi tujuannya bukan untuk nraktir, tapi untuk edukasi. Kalau tujuannya kami buat nyenengin hati orang, ya namanya bagi-bagi duit aja. ","marks":[]}]}]},{"object":"block","type":"youtube","data":{"url":"https://www.youtube.com/watch?v=0DKA5OH0T9w","media":{"id":"1565243648872834148","title":"Youtube Embed","description":"","publicID":"1565243648716-https://www.youtube.com/watch?v=0DKA5OH0T9w","externalURL":"https://www.youtube.com/watch?v=0DKA5OH0T9w","awsS3Key":"","height":0,"width":0,"locationName":"","locationLat":0,"locationLon":0,"mediaType":"video","mediaSourceID":"7","photographer":"","eventDate":"2019-08-08T05:54:08.868164958Z","__typename":"Media"}},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"GoPay:","marks":[{"object":"mark","type":"bold","data":{}}]},{"object":"leaf","text":" ","marks":[]},{"object":"leaf","text":"Cashback","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":" itu salah satu cara yang paling efektif untuk memperkenalkan suatu produk ke masyarakat. Tapi kita ingin meningkatkan manfaat itu, kita ingin meningkatkan layanan itu, khususnya untuk rekan-rekan usaha, maupun user kita. Di satu sisi, kita juga ingin meningkatkan penetrasi GoPay, khususnya di sisi user maupun di sisi rekan usaha kita.","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Promo akan terus terjadi, kalau kita lihat industri pembayaran yang lain kayak kartu kredit promo itu terus terjadi, tapi tujuan promo itu apa? balik lagi kami ingin meningkatkan manfaat, memperbesar penetrasi produk keuangan digital, dan ingin mendukung program pemerintah khususnya gerakan nasional non tunai juga meningkatkan inklusi keuangan. Jadi promo adalah salah satu caranya.","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"OVO:","marks":[{"object":"mark","type":"bold","data":{}}]},{"object":"leaf","text":" Kami, OVO, baru berdiri tahun 2017. Boleh dikata umurnya baru satu setengah tahun. Masih seperti baby, ini adalah masa bagaimana kami mulai memperkenalkan diri kepada konsumen. Bagaimana kami melakukan komitmen untuk mengembangkan ekosistem dan partnership. ","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Bagaimana kami berinovasi mengembangkan produk-produk baru sampai bagaimana kami konsisten melakukan marketing dan lain-lain. Itu semua adalah rangkaian dari komitmen OVO untuk terus melakukan ","marks":[]},{"object":"leaf","text":"investment","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":". Jadi saat ini OVO itu benar-benar masih tahap ","marks":[]},{"object":"leaf","text":"investment.","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":" ","marks":[]}]}]},{"object":"block","type":"quote","data":{},"nodes":[{"object":"block","type":"quote-content","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"“Bisnis model dari uang digital itu berbeda dari bisnis model perusahaan-perusahaan konvensional. Jadi tidak kemudian langsung mendapatkan untung jangka pendek, mereka rela merugi dengan memberikan promo, yang penting pasar itu menjadi ketergantungan.”","marks":[{"object":"mark","type":"bold","data":{}}]}]}]},{"object":"block","type":"quote-author","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"- Bhima Yudhistira, Ekonom INDEF","marks":[{"object":"mark","type":"bold","data":{}}]}]}]}]},{"object":"block","type":"figure","data":{},"nodes":[{"object":"block","type":"image","data":{"image":{"id":"1565232115783596937","title":"Berebut Pasar Uang Digital","description":"Berebut Pasar Uang Digital.","publicID":"uqlastevz0nofsujgggi","externalURL":"https://img.kumparan.com/image/upload/v1565232093/uqlastevz0nofsujgggi.jpg","awsS3Key":"2019/Aug/infographic/uqlastevz0nofsujgggi/","height":2240,"width":1600,"locationName":"DKI Jakarta","locationLat":-6.2293867,"locationLon":106.6894284,"mediaType":"infographic","mediaSourceID":"1","photographer":"Putri Arifira/kumparan","eventDate":"2019-08-07T17:00:00Z","__typename":"Media"}},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"","marks":[]}]}]},{"object":"block","type":"caption","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Berebut Pasar Uang Digital. Foto: Putri Arifira/kumparan","marks":[]}]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Bagaimana strategi menghadapi persaingan di indsutri platform pembayaran digital?","marks":[{"object":"mark","type":"bold","data":{}},{"object":"mark","type":"italic","data":{}}]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"LinkAja:","marks":[{"object":"mark","type":"bold","data":{}}]},{"object":"leaf","text":" Senjatanya pembelajaran dari apa yang sudah terjadi di masyarakat. Jadi kami tahu metode mana yang efisien dan metode mana yang tidak efisien dan sektor apa yang sampai saat ini belum tersentuh dan kita bisa masuk. ","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Ketika misalkan anda bangun tidur pagi hari sampai tidur lagi, kami petakan mana yang sudah tersentuh oleh teman-teman sebelah, mana yang masih kosong. Lalu yang dari kosong ini kami petakan dengan aset-aset yang kami miliki. 'Oh kami bisa memiliki aset di sini yang ternyata bisa kita digitalkan menggunakan e-money yang sebelah belum punya' nah itu yang sedang kami coba untuk wujudkan.","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Saya yakin dengan fokus pada diri sendiri mencari dan bikin ekosistem sendiri, terutama yang disentuh oleh pemerintah ini, kami bakal semakin besar dan semakin besar. Soal apakah nanti akan bisa lebih besar dari yang lain itu secondary sih buat kami. Bahkan LinkAja kerjasama sama gojek dan tidak menutup kemungkinan akan kerjasama dengan yang lainnya karena kita memang fokus untuk membesarkan dunia digital indonesia ini.","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"OVO: ","marks":[{"object":"mark","type":"bold","data":{}}]},{"object":"leaf","text":"Dari kami kami sangat konsisten dan fokus untuk mengembangkan produk-produk yang bersifat pembayaran ataupun points. Termasuk dengan menggandeng beberapa reputable partner dan melakukan inovasi. Jadi dari yang tadinya payment, reward, sekarang kami masuk ke financial produk, sehingga bisa mencakup wawasan jauh lebih besar untuk financial inklusi. Jadi financial produk seperti apa? ada seperti landing, ","marks":[]},{"object":"leaf","text":"investment","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":",","marks":[]},{"object":"leaf","text":" insurance","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":" dan sebagainya.","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Apabila kami bisa menyaingi cash maka itu akan menjadi salah satu homework, untuk semua pemain pastinya, bagaimana kita bisa membuat nasabah itu yakin seyakin-yakinnya bahwa 'oh saya tidak lagi bawa uang cash saya tinggal membawa dompet elektronik ini sehingga bisa melakukan semua aktivitas dari pagi sampai malam secara normal tanpa memikirkan pembayarannya bisa diterima di mana saja'. Tapi untuk mulai pertama yuk sama-sama. sesuatu yang enggak mungkin sendiri2, tapi berkolaborasi. ","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"GoPay:","marks":[{"object":"mark","type":"bold","data":{}}]},{"object":"leaf","text":" Yang tadi saya bilang, kompetisi itu bagus. Tapi kita juga melihat, kita enggak hanya kompetisi, tapi kita juga sama-sama rekan usaha, partner. Karena misalnya kalau dilihat,","marks":[]},{"object":"leaf","text":" use cases","marks":[{"object":"mark","type":"italic","data":{}}]},{"object":"leaf","text":"-nya kan ada yang sama, ada yang berbeda, tapi yang penting bagaimana kita berkolaborasi, bersama-sama.","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Karena kita ingin memberikan manfaat yang terbesar khususnya bagi user-user kita dan rekan-rekan usaha kita. Dan cara itu akan lebih cepat tercapai kalau misalnya kita melakukan kolaborasi bersama.","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"DANA:","marks":[{"object":"mark","type":"bold","data":{}}]},{"object":"leaf","text":" Harus dipahami dulu bahwa pesaing kami adalah tunai, jadi kalau teman-teman berpikir dompet yg lain, dompet yg lain juga sebenarnya kita itu sebenarnya ada competition ada kerjasama. Kita bersaing dan bekerja sama untuk melawan tunai, pesaing kita tuh tunai,bukan dompet lain. ","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Karena setiap dompet ataupun uang elektronik mempunyai kelebihan dan fiturnya masing-masing. nanti dan anda pakai juga nggak cuma satu. Sekarang mau bersaing bagaimana, orang di smartphone anda ada 3, atau ada 4 atau ada 5? setiap orang ada pilihannya sendiri. ","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Kalau saya bilang fitur bukan soal andalan tapi menurut saya bisa menyelesaikan masalah orang. Fitur yang bisa menyelesaikan masalah transaksi manusia Indonesia apa?","marks":[]}]}]},{"object":"block","type":"paragraph","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"Sekarang ya, anda mau belanja waduh top up dulu. Misalnya lihat harga 300 tapi saldo 100, keluar dulu, buka m-banking, masukan lagi kirim ke VA, kan ribet. Kalau DANA, waduh saldo enggak cukup, langsung saja sudah (bisa terintegrasi dengan kartu debit maupun kartu kredit).","marks":[]}]}]},{"object":"block","type":"quote","data":{},"nodes":[{"object":"block","type":"quote-content","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"“Menurut saya memang tidak perlu ada pemenang. Justru mereka itu saling melengkapi saja dan kita berharap masing-masing bisa tumbuh berkembang di pasarnya masing-masing, sehingga kita memiliki dompet digital beragam.” ","marks":[{"object":"mark","type":"bold","data":{}}]}]}]},{"object":"block","type":"quote-author","data":{},"nodes":[{"object":"text","leaves":[{"object":"leaf","text":"- Piter Abdullah, ekonom Center of Reform on Economics (CORE) Indonesia ","marks":[]}]}]}]},{"object":"block","type":"external_url","data":{"url":"https://infogram.com/pengguna-go-pay-vs-ovo-1h1749jwz9yq6zj?live","urlMetaData":{"html":"

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