In indonesia, there are only two major small retail player, Indomaret and Alfamaret. Both are having the largest branch numbers and wide spread throughout Indonesia archipelago. On th last 3 years, retail industry is booming since people are shifting into a new habit where household needs can be fullfilled through…

Most of people around me on this under developed country are less interested with loan, this is also showing that modern financial institutions which been operating for decade have not been successfully grasp the whole market, where only 40% of Indonesia adults are having bank account. Lets put aside all…

BNPL industry is booming now, trying to answer what a decade retail credit problem, where credit card penetration is relatively slow and small. Moreover, the problem is not only on acquisition level but on transaction as well, where cc could only be used and activated using dedicated edc. …

On level of household, chicken, vegtables, and rice are some kind of food that human are consuming daily. Those things keep us alive, and by fact humanity driven with one thing, way to survive, both today and future. To survive a day you need food, to survive the future we…

Banks are one of new industries that rise started from ww1. Compare to any other industries, financial industries that institutionalized through bank is pretty new, unlike fnb, retail and garmen. The very first type of business would be selling needs, but when the society getting complex and the business is…

Isn’t weird talking about God on this era where every other youngster keep yelling about their NFT and crypto portofolio. But worry not, I am not a projected fundamentalist to be, even if the term was socio-politically understandable after what west countries have done this much. This is again unpopular…

Anas Urbaningrum was once a promising figure Indonesia President next to be after SBY term, but with long and dramatic political turmoil, he end up being jailed on 2014 with corroption charges and his career seems over. …

As popular cost free interbank transfer, Flip manage to launch some of its new monetization funnel. Monetization is always become the hardest thing on doing business in this digital hype, everyone promising ideas and problem to solve but forget to set a good monetization model. …

Like many others youngster, I am not a fan of any politician, nor cursing their life, living my own is enough to make me busy not to think anything outside, but recent political development might be a bit too interesting to be left, is it because men’s naturally always buy…