• Menawarkan & Memperkenalkan produk

• Memasarkan produk perbankan, seperti tabungan, deposit, giro, investasi dan asuransi.
• Menjalin hubungan baik dengan pelanggan/nasabah.
• Menjalankan proses perbankan sesuai dengan prosedur.

• Mencari relasi dan memberikan solusi produk digital yang cocok dengan kebutuhan.
• pelanggan bisnis / SME hingga terjalin kontrak kerjasama.
• Mengawal proses pre-sales, sales dan after sales pelanggan bisnis / SME.
• Mencari peluang kontrak kerjasama dengan pelanggan bisnis / SME untuk menjual produk digital.

• Mencari relasi dan memberikan solusi produk digital yang cocok dengan kebutuhan.
• pelanggan bisnis / SME hingga terjalin kontrak kerjasama.
• Mengawal proses pre-sales, sales dan after sales pelanggan bisnis / SME.
• Mencari peluang kontrak kerjasama dengan pelanggan bisnis / SME untuk menjual produk digital.

• Mencari relasi dan memberikan solusi produk digital yang cocok dengan kebutuhan.
• pelanggan bisnis / SME hingga terjalin kontrak kerjasama.
• Mengawal proses pre-sales, sales dan after sales pelanggan bisnis / SME.
• Mencari peluang kontrak kerjasama dengan pelanggan bisnis / SME untuk menjual produk digital.

Tanggungjawab Kerja:

1. Melakukan monitoring terhadap tim marketing/business partner dalam hal kinerja dan pencapaian target

2. Melakukan market review dan menjalankan strategi untuk mencapai target yang ditetapkan

3. Bertanggung jawab atas proses bisnis dalam hal SOP, baik secara administrasi maupun di lapangan.

4. Bertanggung jawab atas portofolio cabang/point secara kualitas dan kuantitas

5. Bertanggung jawab atas soliditas tim dan mampu me-manage konflik internal tim atas dasar peraturan perusahaan.

Kualifikasi

1. Pendidikan terakhir minimum Diploma

2. Memiliki pengalaman bertanggung jawab dalam memimpin tim minimal 2tahun

3. Memiliki pengalaman minimal 2 tahun di Micro Finance atau terkait

4. Dapat menyusun strategi sales & marketing sebagai paduan tim untuk mencapai target

5. Mempunyai motor untuk digunakan bekerja

6. Siap kerja lapangan

7. Dapat bergabung secepatnya

Benefit :

1. Hari Kerja Senin s.d Jumat (Sabtu & Minggu Libur)

2. Penghasilan Tetap

3. Insentif (Berdasarakan Pencapaian)

4. Cuti (Setelah menyelesaikan kontrak Pertama)

5. Bantuan Pernikahan, Lahiran, Keguguran, Kedukaan, Bencana Alam & Logam Mulia Setiap Kelipatan Lima Tahun Masa Kerja

6. Pengangkatan Tetap & Jenjang Karir

Benefit Lainnya

1. Kesempatan Umroh (Best Perform)

2. THR & Bonus Kinerja Tahunan

3. Asuransi Kehilangan Kendaraan (S&K Berlaku)

4. Program Pinjaman Karyawan (Posisi TL Plafon Pinjaman Min 10 Juta s.d 20 Juta, S&K Berlaku)

5. Benefit Lahiran Normal 10 Juta, Benefit lahiran Caesar 20 Juta, Baby Gift 500 Ribu, Benefit Keguguran 1 Juta

6. Sumbangan Pernikahan 500Ribu & Papan Bunga Seharga 500Ribu

7. Sumbangan Kedukaan (Keluarga Inti)

• Melakukan update laporan melalui spreadsheet.
• Melakukan Survey Database Outlet Pulsa/PPOB.
• Akuisisi Verifikasi New Agen Amartha One.
• Melakukan Home Visit Agen.
• Melakukan Manage & Monitoring Kendala Agen.

• Mengoordinasikan sumber daya untuk pelaksanaan proyek yang efektif dan efisien.
• Memastikan bahwa proyek diselesaikan tepat waktu, dalam ruang lingkup dan anggaran yang sesuai.
• Mengukur kinerja proyek menggunakan sistem, tools, dan teknik yang tepat.
• Melakukan pelaporan ke pihak manajemen sesuai kebutuhan.
• Melakukan manajemen risiko dan mengelola dokumentasi proyek
• Menjalin hubungan yang baik dengan semua stakeholder

• Memetakan dan mengatur data prospek calon pelanggan
• Menyusun dan menentukan metode sales dan strategi marketing.
• Menjaga komunikasi dan melayani pelanggan dengan baik.
• Melakukan negosiasi dalam persetujuan kontrak.
• Menyiapkan dan menyampaikan laporan secara berkala.

About Us

INDICO is a subsidiary of Telkomsel, Indonesia's leading digital telecom company. INDICO plays a strategic role as a holding company that houses current and prospective vertical digital business portfolios. As a digital platform company, INDICO aims to leverage Telkomsel’s assets and capabilities to create a flywheel effect of innovations resulting in cross-sectoral digital solutions that will further empower Indonesia’s vastly growing digital economy. 

INDICO believes we can reach beyond to empower Indonesians and enable businesses through our strong core values of EPIC WAY (Excellence, Positivity, Impactful Collaboration, Customer First, Walk the Talk, Accountability, Yes-if Mindset). 

As a B2B Partnership & Account Manager (IT Product Solution), you will be instrumental in fostering relationships with key partners and clients to promote our IT product solutions. Your role will be key in identifying opportunities, managing accounts effectively, and ensuring successful delivery of technology solutions that meet client needs.

What you will do but not limited to: 

• Identify and target potential B2B clients to present our IT product solutions and services. 

• Develop strategic partnership frameworks and lead negotiations to secure optimal agreements. 

• Conduct needs assessments to create tailored solutions for partners and clients. 

• Manage the end-to-end account lifecycle, ensuring a seamless experience for partners.

• Collaborate with technical teams to deliver high-quality product solutions and support. 

• Monitor account performance, generate reports, and provide actionable insights to management.

• Stay updated with technological advancements and market trends to advise clients effectively. 

• Bachelor's degree in Information Technology, Business Administration, or related fields. 

• Minimum 5-7 years of experience in B2B Partnership Management, Account Management, or IT product sales. 

• In-depth knowledge of IT product solutions and related services. 

• Proven ability to build and maintain business relationships with various stakeholders. 

• Exceptional negotiation, presentation, and communication skills.

• Strong analytical skills with a focus on driving results through data-driven decision making. 

• Experience in project management and working collaboratively with diverse teams.

• Self-motivated with a proactive mindset and the ability to work both independently and as part of a team.

• Attractive total compensation of salary, festive allowance, and annual bonus
• Private Health Insurance
• Working device provided
• Employee Development Program
• Flexible Working Arrangement
• Culture programs
• Mental Health & Well-being program
• Various club and Engagement activities
• Anniversary Leave

About us

Love, Bonito is a digital-first company on a mission to empower the everyday Asian woman and inspire self-confidence. We are the leading direct-to-consumer womenswear brand, headquartered in Singapore, with an omni-channel presence across Indonesia and Malaysia, a retail franchise in Cambodia, and are fast expanding into international markets namely Japan, Hong Kong SAR China and United States of America.

Founded in 2010, we are proudly female-founded with more than 70% female representation across our organisation, leadership and STEM roles (#girlpower!). We raised a US$50M Series C round in 2021 and know that we’re on the cusp of something great, where we’re working towards becoming the most thoughtful brand globally, for the Asian female consumer, especially when it comes to our products, community and experiences.

There’s a lot more work to be done with all of our exciting plans. So we’re looking to team up with people who are wildly passionate about making an impact and be part of a dynamic team, in a workplace with no corporate BS (yes, you read that right!).

The Role

Main Responsibilities

• Create excitement in our product launches, workshops, and events for our guests.
• Assist in providing the best customer experience, including speaking to guests and offering advice on color, fit, and silhouette to best suit their needs.
• Provide a seamless shopping experience and ensure that all merchandise are available in all colors, sizes, and quantities on the floor.

• Prepare and upkeep a clean shopping environment on the floor and at the fitting rooms.

• Receiving and processing new stock, replenishments, returns, damages, and transfers, as well as support all stocktake exercises.
• Cashiering duties using the POS system to process payments.
• Work with the other pixie(s) to drive store sales performance under the direction of Lead Pixie.
• Working together with the Lead Pixie in ensuring daily sales target and store matrix are achieved (traffic, conversion, AOQ, AOV, ASP, etc).
• Deal with all issues that arise from our customers (complaints, grievances etc) in the best manner.

Requirements & Experiences :

• Female, Single, age 20 - 25 years old.
• 1 year experience in working as a retail store’s SPG/SA
• Good looking and fashionable
• Able to represent Love, Bonito’s unique proposition.
• Willing to be placed in any Love, Bonito’s chosen work location.
• Able to operate Ms. Word, Excel, Google Drive, and POS payment system.
• Able to get things done effectively and professionally.
• Trustworthy and take a great responsibility in fulfilling all the tasks given.
• Open to working various shifts and able to work 6 days a week (including weekends and public holidays). Weekends are where all the magic happens!

What you should be :

• A positive, charismatic, and fun personality.
• A genuine passion and interest in the fashion industry.
• A proactive and hands-on approach. Get it done right and fast!
• An ability to think and work systematically and under pressure.
• Strong problem-solving skills and an ability to think out of the box with solutions that are scalable, sustainable, yet most cost-efficient!
• An ability to multitask and manage the store, including its inventory management.
• A customer-centric and people-oriented that is able to serve our customers professionally.
• An attitude to go above and beyond in meeting the targets.

• Provide sales strategy by seeking corporate customers in Financial Services & Banking Sector
• To execute sales calls to create new customer
• Create new sales activities to achieve team revenue/ sales target
• Business maintenance
• Exploring new potential client
• Building and maintaining relationships with existing clients in Financial Services & Banking Sector

• Age 25 -38 years
• Candidate must possess at least Bachelor's Degree in any field or equivalent
• At least 3 Years of working experience in the related field is required for this position
• Good communication and negotiation skills
• Able to work under pressure and independent
• Target Oriented
• English Active
• Preferably experienced handling Financial Services & Banking account
• Willing to Work in Centennial Tower, South Jakarta

• Medical Insurance
• Medical Check Up
• Free Product Service

Job Description:

• Support the sales team by providing operational assistance in the planning and execution of sales strategies.
• Analyze sales data and reports to identify trends and opportunities for improvement.
• Coordinate with various departments (marketing, finance, technical) to facilitate smooth sales operations.
• Monitor sales KPIs and assist in the preparation of sales presentations and proposals.
• Maintain the CRM system to ensure accurate sales tracking and customer information.
• Assist in the development and implementation of sales processes and best practices.
• Provide training and support to sales staff on operational tools and procedures.

Job Requirements:

• Bachelor's degree in Business, Marketing, or a related field.
• Minimum of 2 years of experience in sales operations or related role.
• Strong analytical skills and ability to interpret sales data.
• Proficient in using CRM software and MS Office Suite (Excel, PowerPoint, Word).
• Excellent organizational and time management skills.
• Strong communication and interpersonal skills.
• Ability to work collaboratively in a team environment and independently.
• Willing to work in Centennial Tower, South Jakarta.

The Sales Executive is responsible for driving leasing activities and maximizing occupancy rates for office buildings. This role involves identifying and engaging potential tenants, negotiating lease agreements, and providing exceptional client service to enhance tenant retention. The ideal candidate will possess strong sales skills, market knowledge, and a proven track record in commercial office leasing or leasing/sales of other high-rise commercial buildings within the hospitality industry.

Key Responsibilities :

1. Tenant Acquisition & Lead Generation

• Proactively source potential tenants through canvassing, networking, cold calling, and industry events.
• Conduct property tours for prospective tenants, highlighting key features and benefits of the office spaces.
• Build and maintain a robust pipeline of leads through market research and strategic outreach.

2. Leasing & Sales Activities

• Negotiate lease terms and conditions with prospective tenants to meet occupancy goals.
• Prepare and present leasing proposals, term sheets, and lease agreements.
• Collaborate with the legal team to finalize leasing documents and ensure compliance with company policies.

3. Market Analysis & Strategy

• Analyze market trends, competitor offerings, and client needs to refine leasing strategies.
• Provide insights and recommendations for pricing, promotions, and tenant incentives based on market data.
• Prepare detailed reports on occupancy rates, leasing activities, and market conditions for management review.

4. Client Relationship Management

• Establish and maintain strong relationships with current and prospective tenants.
• Address tenant inquiries, resolve issues promptly, and provide high-quality customer service.
• Utilize CRM tools effectively and demonstrate agility in using technology and analytical approaches.

5. Collaboration & Coordination

• Work closely with the marketing team to develop promotional materials and campaigns for available office spaces.
• Collaborate with the Tenant Relations Team to hand over premises to tenants, ensure satisfaction, and gather feedback for service improvement, as well as facilitate a smooth transition from Sales to Tenant Relations.
• Coordinate with property management to ensure spaces are ready for viewing and meet tenant requirements.
• Partner with external brokers and real estate agents to expand the reach of leasing activities.

5. Reporting & Documentation

• Maintain accurate records of leasing activities, client interactions, and market data systematically.
• Prepare regular reports on leasing performance, including occupancy rates, lead generation, and deal closures.
• Assist in the development of annual leasing plans and sales targets.

• Bachelor's degree in Business Administration, Marketing, or a related field.
• Minimum 2 years of experience in sales or leasing, preferably in the real estate or commercial leasing sector.
• The preferred candidate should have a minimum of 2 years of experience in office building or other commercial real estate leasing, sales, or tenant relationships, preferably within the hotel or hospitality industries.
• Experience as a property agent would be advantageous.
• Excellent communication and interpersonal skills, with the ability to build rapport with clients.
• Strong negotiation skills and customer-oriented mindset.
• Fluent in English, with proficiency in Bahasa Indonesia.

Responsibilities:

We are seeking a motivated and results-driven Associate Telemarketing professional to join our team. The Associate Telemarketing role involves generating leads, scheduling appointments, and promoting our financial products and services through outbound calls. This position requires excellent communication skills, a customer-focused attitude, and the ability to engage potential clients in meaningful discussions about their financial needs.

Key Responsibilities:

• Conduct outbound calls to prospective clients to introduce the company's financial products and services.
• Contact leads and convert them into clients.
• Identify potential prospects and evaluate their needs based on financial goals and investment interests.
• Schedule appointments for potential clients to meet with Financial Advisors or Sales Representatives.
• Provide basic information about financial products and address initial inquiries accurately and professionally.
• Record client interactions and update contact information in the company’s CRM system.
• Follow up with prospects and maintain a pipeline of potential clients.
• Handle client complaints to ensure a positive experience and foster interest in the company's offerings.

Experience:

• 1-2 years of experience in telemarketing, customer service, or sales, preferably in the financial services industry.

Education:

• Minimum high school diploma or equivalent; a bachelor's degree in Business, Marketing, or a related field is an advantage.

Skills:

• Exceptional verbal communication and listening skills.
• Strong interpersonal abilities with a professional and friendly telephone demeanor.
• Target-oriented with the ability to achieve and exceed goals.
• Familiarity with CRM software and basic computer proficiency.
• Knowledge of financial products (e.g., stocks, bonds, trading platforms) is preferred but not mandatory.

• Competitive base salary with commission and bonus structure.
• Comprehensive training on products and telemarketing best practices.
• Supportive team environment.

Job Descriptions : 

• ERP Project Management: 

 - Lead and oversee the successful implementation of ERP projects from planning 

   through to execution and post-

   implementation support.

 - Manage project timelines, resources, budgets, and stakeholder expectations to 

   ensure project success.

 - Coordinate cross-functional teams to deliver ERP solutions that meet client 

   specifications and requirements.

• Business Process Analysis: 

 - Analyze and map existing business processes, identify inefficiencies, and 

   recommend improvements through ERP system customization.

 - Work closely with key stakeholders to ensure that the ERP system is configured to 

   meet the company’s business goals.

• System Design and Customization: 

 - Design ERP systems and modules based on business requirements, ensuring 

   compliance with local regulations.

 - Adapt and customize the ERP solution to handle changes in local business 

   regulations or industry standards.

• Regulatory Compliance: 

 - Ensure that the ERP system is consistently updated and modified in response to local 

   regulation changes, ensuring compliance across all areas of operation.

• System Testing and Quality Assurance: 

 - Oversee the system testing phase to ensure that the ERP solution functions correctly 

   and effectively, meeting all specifications.

 - Collaborate with technical teams to identify, address, and resolve any issues or bugs.

• Content Management: 

 - Manage system content updates and configuration changes, ensuring that data is 

   accurate and aligned with business requirements.

• Business Development Support: 

 - Provide ongoing support for business development teams, offering ERP system 

   insights and expertise to drive business growth and improve operational performance.

• Reporting and Documentation: 

 - Prepare detailed periodic reports on project progress, milestones, and outcomes for 

   internal and client stakeholders.

 - Ensure proper documentation is maintained for all phases of the ERP implementation 

   process.

Requirements :

 - A Bachelor’s Degree in Information Systems, Information Technology, Business, 

  Industrial Engineering, or a related field.

 - Minimum of 5 years of experience working as an ERP consultant, with a strong 

   preference for candidates with experience in the manufacturing industry.

 - Proven track record of managing and delivering successful ERP projects.

 - Strong Project Management skills with experience handling cross-functional teams 

   and ensuring projects are completed on time and within budget.

 - Solid understanding of ERP systems, system design, and configuration.

 - Ability to analyze and improve business processes with a focus on maximizing ERP 

   system performance.

 - Fluent in English (oral and written).

 - Proficiency in Bahasa Indonesia (oral and written).

 - Maximum age of 35 years.

 - Strong problem-solving skills and the ability to think critically in complex situations.

 - A positive attitude with a proactive, can-do mindset.

 - Excellent communication and interpersonal skills for effective collaboration with 

   internal teams, clients, and stakeholders.

 - Adaptable, with the ability to thrive in a fast-paced and dynamic environment.

We are looking for a passionate and results-driven Product Manager to join our team. In this role, you will work closely with cross-functional teams, including Tech, Design, and Business Stakeholders, to contribute to the product strategy and lead product discovery and delivery. Your focus will be on understanding our users' needs and ensuring that our products not only meet those needs but also align with our business objectives.

Key Responsibilities:

Contribute to Product Strategy

• Collaborate with VP product to build product strategy to inform what problems we should focus on to achieve our vision

 Lead Product Discovery:

• Gather Ideas: Source ideas that meet user needs and serve business goals from user feedback, market research, and internal stakeholders
• Refine Ideas: Work with cross-functional teams to define and scope the Minimum Viable Product (MVP) versions for new ideas, focusing on delivering the core functionality needed to test and validate the idea with minimal effort.
• User Validation: Where it makes sense, first conduct user research and testing to validate the feasibility and desirability of the scoped MVPs
• Prioritize Ideas: Prioritize the above MVPs based on their potential to achieve desired outcomes and the effort required

Ensure Successful Product Delivery:

• Provide clear and validated requirements to the Tech team to ensure successful development.
• Act as a liaison between Tech and other teams, removing blockers and facilitating smooth communication.
• Oversee the product launch process, ensuring timely and successful releases.
• Conduct post-launch reviews to gather insights and continuously improve the product.

• Proven experience as a Product Manager in a tech startup or similar environment.
• Strong ability to work collaboratively with cross-functional teams, including Tech, Design, and Business Stakeholders.
• Excellent communication and interpersonal skills to manage stakeholder expectations and foster a collaborative work environment.
• Expertise in balancing user (Supermoms and Supermom Clients) needs with business (Supermom Pte Ltd) goals and technical constraints.
• Proficiency in leveraging both quantitative and qualitative data to inform decision-making.
• A deep understanding or willingness to learn of our target users, parents and brands looking to connect with parents.
• Experience in optimizing B2C flows and Marketing Automation tools preferred.

The candidate is required to demonstrate sensible business acumen to plan sales campaigns & activation, as well as the necessary technical skill sets: data crunching, campaign performance analysis, and marketing tools usage such as but not limited to: email, SMS/WhatsApp marketing. Well knowledge of optimization and marketing tools [Insider, Mailchimp, etc], relevant experience within fintech and or P2P companies will be a plus. 

Job description: 

• Develop and oversee overall performance marketing strategy 
• Create strategy and optimization for Google Ad campaigns (SEM, Discovery, GDN, UAC, etc) 
• Create strategy and optimization for Social Ads ( Facebook, Instagram, LinkedIn and Tiktok Ads) 
• Ensure top organic search ranking positions (SEO) 
• Regularly review and optimize all advertising campaigns for positive ROAS (Return of Ads Spend) 
• Supervise the paid listings on third party websites and media partners 
• Collab with CRM team to create strategy and optimization for email marketing campaigns (EDM newsletters, drip campaigns, loyalty campaigns, etc.) 
• Supervise all performance tracker and measure all marketing campaigns 
• Regularly review multi-channel analytics reports (Search, Social, Ads, Email, Website, Blog) and recommend optimization action plans to sales and marketing teams 
• Conduct regular conversion rate optimization audits and execute A/B tests, user testing/feedback to improve conversion rates across the brands’ digital channels and assets 

• Up to 5 years of experience as Project Manager, Digital marketing, Campaign Planner, Product Marketing, or other relevant roles 
• Proficient in spoken and written English 
• Proficient with Microsoft excel, google sheet, and data analytics tools for generating insights. 
• Proficient with digital marketing tools i.e. Adjust, mix panel, clevertap, ahrefs, sms tools, etc ● Google Ads Search and Display certified 
• GAIQ certified 
• Google Tag Manager 
• Strong proven track record for managing millions in ad spend 
• Email marketing platforms 
• Self-driven 
• Degree in Marketing communications or equivalent 
• Past relevant experience in the Financial industry/fintech is highly valued 

Preferred characteristics: 

• Detail-oriented without missing the big picture; 
• Able to process, synthesize and derive an actionable conclusion from big data;
• Excellent project management skills and keeping on top of matters, including data crunching and generating data driven business recommendation; 
• Sensible business acumen and an entrepreneurial mindset; performance marketing and or product marketing strategy experience a plus 
• Able to become an excellent individual contributor as well as a reliable team player.
• Excellent relational ability; stakeholder management aptitude from mid to senior level across division and functions.

Portofolio Manager

INDICO is a digital technology subsidiary company of Telkomsel, Indonesia's leading digital telecom company. INDICO plays a strategic role as a holding company that houses current and prospective vertical digital business portfolios, including Kuncie (edu-tech), Fita (health-tech), and Majamojo (game publishing). Moving forward, INDICO aims to explore opportunities in multiple verticals adjacent to Telkomsel’s digital businesses. As a digital platform company, INDICO aims to leverage Telkomsel’s digital assets and capabilities to create a flywheel effect of innovations to develop cross-sectoral digital solutions that will empower Indonesia’s digital economy.  

INDICO believe we can reach beyond to empower Indonesians and enable businesses through our strong core values of EPIC WAY (Excellence, Positivity, Impactful Collaboration, Customer First, Walk the Talk, Accountability, Yes-if Mindset). 

Your responsibilities, but not limited to: 

• Analyses, develop and implement strategic portfolio management plans to maximize the performance and growth of the digital business portfolios that align with the objective. 

• Monitor and evaluate the financial and operational performance of each portfolio company, identifying areas for improvement and implementing strategies to drive success. 

• Conduct market research and analysis to identify opportunities and threats in the digital industry, providing insights and recommendations to senior management. 

• Collaborate with cross-functional & cross-entity teams to develop and execute strategic initiatives, ensuring alignment with overall company goals and objectives. 

• Manage and cultivate relationships with key stakeholders, including portfolio company management teams, investors, and industry experts. 

• Bachelor's or Master's degree in Business, Finance, Economics, or related fields. 

• Minimum of 5 years of experience in Portfolio Management, Strategic Planning, Project Management or related roles with exposure in strategic investment. 

• Strong analytical and problem-solving skills, with the ability to analyse complex financial and market data. 

• Excellent communication and interpersonal skills, with the ability to build and maintain relationships with diverse stakeholders. 

• Demonstrated ability to develop and implement strategic plans and initiatives. 

• Strong project management skills, with the ability to manage multiple projects and priorities. 

• Knowledge of the Indonesian digital industry and trends. 

• Ability to work independently and collaboratively in a fast-paced, dynamic environment. 

• Strong leadership skills, with the ability to influence and drive change. 

• Attractive total compensation of salary, festive allowance, and annual bonus  

• Private Health Insurance  

• Working device provided  

• Employee Development Program  

• Flexible Working Arrangement  

• Team’s day out and Culture programs  

• Mental Health & Well-being program 

• Various club and Engagement activities 

We at Indepay | Setara Networks are here to revolutionize the Indonesian payment ecosystem by introducing one click checkout services in order to make transactions zero-fee, instant, and rewarding for the consumer. 

On one side we’re working with financial institutes to enable real-time account to account transfers through our platform, and on the other-side we’re giving consumers a reliable and secure payment experience which is better than anything else they’ve experienced in the Indonesian ecosystem.