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Since 2016, Indonesia has undergone significant transformations in both its market and policy landscapes, aiming to harness digital technologies for financial inclusion. The emergence of a local tech startup ecosystem, exemplified by companies like Go-Jek and Ovo, coupled with the entry of global and regional tech giants such as Grab and Sea Group into payment and consumer lending sectors at around that time, drove a further shift in market dynamics, leading to a surge in new business models and financial products.

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Navigating the Dual Realities of Digital Finance in Indonesia: Assessing Sustainable Strategies for Access and Consumer Protection since 2016

  • 章节

  • 出版模式：

    开放获取

  • 发表日期：

    2026年

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  • Ajisatria Suleiman

摘要

Since 2016, Indonesia has undergone significant transformations in both its market and policy landscapes, aiming to harness digital technologies for financial inclusion. The emergence of a local tech startup ecosystem, exemplified by companies like Go-Jek and Ovo, coupled with the entry of global and regional tech giants such as Grab and Sea Group into payment and consumer lending sectors at around that time, drove a further shift in market dynamics, leading to a surge in new business models and financial products.