Finance
WhatsApp travaille au lancement des paiements numériques en Indonésie

L’indonésie pourrait être le deuxième pays à offrir les services de paiement WhatsApp. Comme l’a rapporté Reuters, le service de messagerie appartenant à Facebook aurait entamé des pourparlers avec de multiples sociétés de technologie de l’information locales pour fournir leurs services de transactions mobiles.
WhatsApp a d’abord ciblé l’Inde, où son projet d’offrir des services de paiement direct de pair à pair a été stoppé pour des raisons réglementaires concernant le stockage local des données. Aujourd’hui, dans le but d’exploiter le secteur du commerce électronique qui connaît la croissance la plus rapide en Indonésie, l’offre est différente.
WhatsApp servirait de plateforme pour les paiements par l’intermédiaire de portefeuilles numériques. Ce changement est dû à une réglementation stricte en matière d’octroi de licences, d‘après les sources
La valeur en plein essor du marché indonésien
Avec une population de 260 millions d’habitants et une économie florissante, le pays se classe parmi les cinq premiers marchés mondiaux pour le service de messagerie, avec actuellement plus de 100 millions d’utilisateurs. Cela signifie qu’environ 40 % de la population utilise WhatsApp.
Selon un rapport McKinsey, la valeur marchande du commerce électronique en Indonésie était évaluée à 8 millions de dollars en 2017. Ce chiffre fait référence à la valeur marchande brute(VMB) des biens et services achetés en ligne sur les plateformes de commerce électronique et de socio commerce. Il s’agit notamment des entreprises formelles de vente au détail électronique et du commerce informel.
Les entreprises formelles de vente en ligne sont ce que nous appelons eBay et Amazon. Dans la région, JD, Lazada, Shopee et Tokopedia sont les principaux acteurs. Le commerce informel, qui correspond aux » plates-formes socio commerciales « , signifie que les transactions se font par des moyens non officiels, par le biais de plates-formes telles que WhatsApp et Facebook.
McKinsey s’attend à ce que la VMB des plateformes officielles de commerce électronique atteigne $40 billion d’ici 2022, tandis que la VMG du commerce électronique informel est estimée à 25 milliards de dollars.
Compte tenu de ces taux impressionnants, il n’est pas surprenant que Reuters s’attende à ce que l’industrie indonésienne du commerce électronique atteigne $100 billion by 2025.
Des réglementations strictes sont attendues
WhatsApp est actuellement en discussion avec plusieurs sociétés de paiement numérique, telles que ride hailer Go-Jek, la société de paiement mobile DANA, fintech startup OVO et la banque publique Mandiri.
Cependant, l’Indonésie abrite l’une des réglementations les plus strictes en matière de paiements numériques. Selon des sources de Reuters, le plan de WhatsApp pour l’Indonésie pourrait devenir un modèle exportable vers d’autres marchés émergents. Il serait ainsi plus facile de « contourner la réglementation sur la création par les acteurs étrangers de leur propre porte-monnaie électronique ».
Un porte-parole de Facebook n’a pas donné de détails :
« WhatsApp est en pourparlers avec des partenaires financiers en Indonésie au sujet des paiements, mais les discussions n’en sont qu’à leurs débuts et nous n’avons plus rien à partager pour le moment. »
Toutefois, des sources indiquent que les conversations avec les trois entreprises de paiement sont sur le point d’être finalisées. Le lancement du service n’est pas prévu cette année, car la priorité est de le lancer d’abord en Inde.
Cette information fait suite à la révélation par Facebook, au début de cette année, qu’il allait déployer WhatsApp payments dans certains pays. Comme l’a déjà signalé The Blockchain Land, Facebook souhaite intégrer Calibra, un service de porte-monnaie électronique, à toutes ses plateformes, dont WhatsApp et Facebook Messenger.
The assignment submission period was over and I was nervous, majorsite and I am very happy to see your post just in time and it was a great help. Thank you ! Leave your blog address below. Please visit me anytime.
It is perfect time to make some plans for the future and it is time to be happy. I have read this post and if I could I desire to suggest you few interesting things or advice. Maybe you could write next articles referring to this article. I desire to read even more things about it!
Today, with all the fast life-style that everyone is having, credit cards get this amazing demand throughout the market. Persons from every arena are using credit card and people who are not using the credit cards have made arrangements to apply for even one. Thanks for sharing your ideas in credit cards.
Thanks for your fascinating article. One other problem is that mesothelioma cancer is generally a result of the breathing of material from asbestos fiber, which is a carcinogenic material. It is commonly noticed among employees in the engineering industry with long experience of asbestos. It’s also caused by living in asbestos protected buildings for long periods of time, Family genes plays a crucial role, and some individuals are more vulnerable to the risk when compared with others.
hey there and thank you to your info ? I have definitely picked up something new from right here. I did then again expertise a few technical points the usage of this website, as I experienced to reload the site a lot of occasions previous to I may just get it to load properly. I had been pondering if your web host is OK? Not that I’m complaining, but sluggish loading circumstances times will often impact your placement in google and could harm your quality ranking if advertising and ***********|advertising|advertising|advertising and *********** with Adwords. Anyway I?m including this RSS to my e-mail and could glance out for much more of your respective exciting content. Ensure that you replace this once more soon..
Thanks for the thoughts you have provided here. On top of that, I believe there are some factors that will keep your automobile insurance premium decrease. One is, to take into account buying cars and trucks that are in the good list of car insurance providers. Cars which might be expensive are definitely more at risk of being robbed. Aside from that insurance coverage is also depending on the value of your automobile, so the more pricey it is, then the higher this premium you only pay.
Thanks for sharing superb informations. Your site is very cool. I am impressed by the details that you have on this web site. It reveals how nicely you perceive this subject. Bookmarked this website page, will come back for extra articles. You, my pal, ROCK! I found just the info I already searched all over the place and simply couldn’t come across. What an ideal website.
One more thing I would like to state is that rather than trying to match all your online degree classes on days that you finish work (since most people are fatigued when they come home), try to get most of your classes on the saturdays and sundays and only a few courses on weekdays, even if it means taking some time off your weekend. This is fantastic because on the weekends, you will be far more rested plus concentrated on school work. Thx for the different recommendations I have learned from your site.
Heya i am for the first time here. I found this board and I in finding It really useful & it helped me out a lot. I hope to give one thing again and help others like you aided me.
I do believe all of the concepts you’ve presented for your post. They’re very convincing and can certainly work. Nonetheless, the posts are too short for beginners. Could you please lengthen them a bit from subsequent time? Thank you for the post.
It’s my belief that mesothelioma can be the most deadly cancer. It’s got unusual attributes. The more I really look at it the more I am assured it does not act like a true solid cells cancer. In the event that mesothelioma is often a rogue viral infection, therefore there is the possibility of developing a vaccine in addition to offering vaccination for asbestos uncovered people who are really at high risk with developing long term asbestos relevant malignancies. Thanks for discussing your ideas on this important health issue.
It?s onerous to search out knowledgeable individuals on this matter, however you sound like you understand what you?re talking about! Thanks
very nice put up, i actually love this web site, keep on it
I discovered more new things on this losing weight issue. One issue is a good nutrition is extremely vital when dieting. An enormous reduction in bad foods, sugary foodstuff, fried foods, sugary foods, red meat, and white-colored flour products can be necessary. Holding wastes bloodsuckers, and harmful toxins may prevent desired goals for fat-loss. While particular drugs temporarily solve the matter, the bad side effects are usually not worth it, and they never present more than a non permanent solution. It’s a known incontrovertible fact that 95 of fad diet plans fail. Thanks for sharing your notions on this blog.
There are some attention-grabbing points in time on this article but I don?t know if I see all of them middle to heart. There may be some validity but I will take hold opinion till I look into it further. Good article , thanks and we want extra! Added to FeedBurner as well
Lovely site! I am loving it!! Will come back again. I am bookmarking your feeds also.
you will have an incredible blog here! would you wish to make some invite posts on my weblog?
Hello my friend! I wish to say that this article is awesome, nice written and include approximately all significant infos. I would like to see more posts like this.
Someone essentially help to make severely posts I might state. This is the first time I frequented your web page and up to now? I surprised with the research you made to create this particular post extraordinary. Magnificent task!
This paragraph provides clear idea for the new viewers of blogging, that genuinely how to
do running a blog.
I would like to thank you for the efforts you have put in writing this site. I’m hoping the same high-grade web site post from you in the upcoming as well. In fact your creative writing abilities has encouraged me to get my own blog now. Really the blogging is spreading its wings fast. Your write up is a good example of it.
Excellent items from you, man. I’ve take into accout your stuff prior to and you are simply extremely excellent. I actually like what you have got right here, certainly like what you are stating and the way wherein you say it. You make it entertaining and you still care for to keep it smart. I cant wait to learn much more from you. This is actually a terrific web site.
I keep listening to the news broadcast talk about getting boundless online grant applications so I have been looking around for the most excellent site to get one. Could you tell me please, where could i get some?
of course like your web-site but you need to check the spelling on several of your posts. Several of them are rife with spelling issues and I find it very troublesome to tell the truth nevertheless I?ll certainly come back again.
Amazing blog! Do you have any recommendations for aspiring writers? I’m planning to start my own site soon but I’m a little lost on everything. Would you recommend starting with a free platform like WordPress or go for a paid option? There are so many choices out there that I’m totally confused .. Any tips? Cheers!
Just wanna comment on few general things, The website style and design is perfect, the articles is very wonderful : D.
Magnificent beat ! I wish to apprentice while you amend your site, how can i subscribe for a blog site? The account helped me a acceptable deal. I had been tiny bit acquainted of this your broadcast offered bright clear concept
I have recently started a blog, the information you offer on this site has helped me tremendously. Thanks for all of your time & work.
I have been surfing online more than three hours today, yet I never found any interesting article like yours. It’s pretty worth enough for me. In my opinion, if all website owners and bloggers made good content as you did, the net will be a lot more useful than ever before.
Hey there! Do you use Twitter? I’d like to follow you if that would be okay. I’m absolutely enjoying your blog and look forward to new posts.
Hi, Neat post. There is a problem along with your website in internet explorer, may test this? IE nonetheless is the marketplace leader and a huge part of other folks will omit your great writing because of this problem.
Well I truly enjoyed reading it. This information offered by you is very constructive for proper planning.
I cherished up to you’ll receive performed right here. The cartoon is attractive, your authored material stylish. however, you command get bought an impatience over that you would like be handing over the following. sick surely come more in the past once more as exactly the same nearly a lot incessantly inside of case you protect this hike.
I’m really impressed with your writing skills and also with the layout on your blog. Is this a paid theme or did you modify it yourself? Anyway keep up the excellent quality writing, it is rare to see a great blog like this one nowadays..
I have been exploring for a bit for any high quality articles or weblog posts in this kind of space . Exploring in Yahoo I finally stumbled upon this website. Studying this info So i am glad to show that I’ve an incredibly good uncanny feeling I found out just what I needed. I so much without a doubt will make sure to don¦t omit this website and provides it a glance on a relentless basis.
Wow! Thank you! I constantly wanted to write on my site something like that. Can I include a portion of your post to my website?
I discovered your weblog site on google and test a couple of of your early posts. Proceed to keep up the excellent operate. I just further up your RSS feed to my MSN News Reader. In search of ahead to studying more from you in a while!?
Yet another thing is that when searching for a good on the web electronics shop, look for online stores that are constantly updated, maintaining up-to-date with the newest products, the very best deals, and also helpful information on products and services. This will ensure that you are dealing with a shop which stays on top of the competition and offers you things to make knowledgeable, well-informed electronics buying. Thanks for the vital tips I have learned through the blog.
Wonderful site. Plenty of useful information here. I’m sending it to a few buddies ans also sharing in delicious. And naturally, thanks to your sweat!
Many thanks for sharing these wonderful posts. In addition, an excellent travel along with medical insurance approach can often eradicate those worries that come with vacationing abroad. A new medical crisis can quickly become costly and that’s sure to quickly set a financial burden on the family finances. Putting in place the ideal travel insurance deal prior to leaving is worth the time and effort. Thanks
I’m so happy to read this. This is the kind of manual that needs to be given and not the random misinformation that is at the other blogs. Appreciate your sharing this best doc.
Some truly nice and utilitarian information on this site, as well I believe the layout contains superb features.
Nice post. I used to be checking continuously this blog and I’m inspired! Very helpful information particularly the final section 🙂 I take care of such information a lot. I used to be seeking this certain info for a long time. Thanks and best of luck.
Perfect work you have done, this site is really cool with fantastic information.
hello!,I really like your writing very so much! percentage we keep in touch extra approximately your article on AOL? I need an expert on this space to unravel my problem. May be that is you! Looking ahead to see you.
A powerful share, I just given this onto a colleague who was doing slightly evaluation on this. And he actually purchased me breakfast as a result of I discovered it for him.. smile. So let me reword that: Thnx for the treat! But yeah Thnkx for spending the time to discuss this, I really feel strongly about it and love reading more on this topic. If attainable, as you change into expertise, would you mind updating your blog with more particulars? It is highly helpful for me. Massive thumb up for this weblog put up!
Hello would you mind letting me know which web host you’re using? I’ve loaded your blog in 3 completely different browsers and I must say this blog loads a lot faster then most. Can you suggest a good hosting provider at a fair price? Thanks, I appreciate it!
great post, very informative. I wonder why the other experts of this sector do not notice this. You should continue your writing. I’m sure, you have a great readers’ base already!
When I initially commented I clicked the « Notify me when new comments are added » checkbox and now each time a comment is added I get three emails with the same comment. Is there any way you can remove me from that service? Cheers!
I’m not sure where you are getting your information, but good topic. I needs to spend some time learning more or understanding more. Thanks for magnificent info I was looking for this information for my mission.
Hi , I do believe this is an excellent blog. I stumbled upon it on Yahoo , i will come back once again. Money and freedom is the best way to change, may you be rich and help other people.
Hi, I think your site might be having browser compatibility issues. When I look at your website in Safari, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, fantastic blog!
Thanks for the tips you have discussed here. Furthermore, I believe usually there are some factors that really keep your automobile insurance premium lower. One is, to take into account buying cars and trucks that are inside the good report on car insurance organizations. Cars which are expensive are usually more at risk of being snatched. Aside from that insurance coverage is also based on the value of your car or truck, so the higher in price it is, then the higher your premium you make payment for.
Yay google is my king assisted me to find this great site! .
Hi my loved one! I want to say that this article is awesome, great written and include approximately all significant infos. I?d like to look more posts like this .
I’ve been absent for a while, but now I remember why I used to love this blog. Thanks, I will try and check back more often. How frequently you update your site?
I think this is one of the so much vital info for me. And i am glad reading your article. But want to commentary on few common things, The site style is ideal, the articles is really great : D. Excellent job, cheers
top affiliate marketing programs for beginners
work from home jobs for writers
ways to promote herbal supplements online
health blog profit strategies
Magnificent goods from you, man. I have remember your stuff prior to and you’re simply extremely great. I really like what you’ve bought right here, certainly like what you’re saying and the way in which by which you say it. You make it entertaining and you continue to care for to stay it sensible. I can’t wait to read much more from you. That is actually a great web site.
It is my belief that mesothelioma can be the most fatal cancer. It contains unusual features. The more I really look at it the more I am assured it does not respond like a true solid flesh cancer. In the event that mesothelioma is a rogue viral infection, therefore there is the possibility of developing a vaccine and offering vaccination for asbestos subjected people who are open to high risk with developing long term asbestos associated malignancies. Thanks for giving your ideas for this important health issue.
Thanks for the thoughts you have shared here. On top of that, I believe there are some factors that really keep your insurance premium lower. One is, to take into account buying cars that are in the good listing of car insurance businesses. Cars which are expensive are definitely more at risk of being stolen. Aside from that insurance policies are also in accordance with the value of your truck, so the costlier it is, then the higher the actual premium you only pay.
I’ve learned new things from your blog post. One more thing to I have discovered is that generally, FSBO sellers will certainly reject people. Remember, they can prefer to not ever use your solutions. But if an individual maintain a stable, professional romance, offering assistance and keeping contact for around four to five weeks, you will usually be able to win a meeting. From there, a listing follows. Thank you
Thanks for these tips. One thing I should also believe is the fact credit cards presenting a 0 monthly interest often lure consumers together with zero rate, instant endorsement and easy on the net balance transfers, nevertheless beware of the real factor that is going to void your 0 easy street annual percentage rate plus throw you out into the terrible house quickly.
Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You obviously know what youre talking about, why throw away your intelligence on just posting videos to your blog when you could be giving us something informative to read?
Have you ever thought about including a little bit more than just your articles? I mean, what you say is valuable and everything. However think about if you added some great pictures or videos to give your posts more, « pop »! Your content is excellent but with pics and clips, this blog could certainly be one of the greatest in its niche. Terrific blog!
Thank you, I have just been searching for info about this subject for ages and yours is the greatest I’ve came upon till now. But, what about the bottom line? Are you certain about the supply?
I don’t even know how I finished up here, but I assumed this put up was once great. I do not know who you’re but definitely you’re going to a well-known blogger for those who aren’t already 😉 Cheers!
Many thanks to you for sharing these kinds of wonderful discussions. In addition, the best travel along with medical insurance program can often eliminate those considerations that come with travelling abroad. Your medical crisis can in the near future become very costly and that’s likely to quickly put a financial impediment on the family finances. Putting in place the excellent travel insurance offer prior to leaving is definitely worth the time and effort. Thanks a lot
I like what you guys are up too. Such smart work and reporting! Carry on the superb works guys I have incorporated you guys to my blogroll. I think it will improve the value of my web site 🙂
I really like your blog.. very nice colors & theme. Did you design this website yourself or did you hire someone to do it for you? Plz respond as I’m looking to create my own blog and would like to know where u got this from. kudos
I precisely wanted to thank you very much once again. I’m not certain what I would’ve gone through without those thoughts documented by you directly on such subject. It had become a intimidating concern in my opinion, nevertheless being able to see the very specialised style you resolved that took me to weep with happiness. I’m just grateful for this support and thus sincerely hope you find out what a powerful job that you’re providing teaching people via your web page. Probably you have never got to know all of us.
I have been reading out a few of your posts and it’s pretty nice stuff. I will surely bookmark your blog.
hi!,I love your writing so so much! percentage we keep in touch more about your post on AOL? I require an expert in this house to resolve my problem. May be that is you! Taking a look ahead to look you.
I just couldn’t go away your website before suggesting that I extremely loved the usual information an individual provide in your visitors? Is gonna be again steadily to investigate cross-check new posts.
Hurrah! Finally I got a blog from where I be able to really get useful facts regarding my study and knowledge.
I relish, cause I discovered exactly what I was taking a look for. You’ve ended my four day long hunt! God Bless you man. Have a great day. Bye
Hi, Neat post. There’s a problem with your website in internet explorer, would check this? IE still is the market leader and a big portion of people will miss your fantastic writing because of this problem.
I have recently started a site, the information you provide on this web site has helped me tremendously. Thank you for all of your time & work.
The subsequent time I read a weblog, I hope that it doesnt disappoint me as a lot as this one. I mean, I do know it was my option to learn, but I truly thought youd have one thing fascinating to say. All I hear is a bunch of whining about one thing that you might repair when you werent too busy on the lookout for attention.
I am very happy to read this. This is the type of manual that needs to be given and not the accidental misinformation that’s at the other blogs. Appreciate your sharing this best doc.
Thanks for these guidelines. One thing I should also believe is credit cards presenting a 0 interest often attract consumers in with zero interest, instant endorsement and easy over-the-internet balance transfers, nevertheless beware of the real factor that may void that 0 easy street annual percentage rate plus throw anybody out into the poor house quickly.
One other issue is when you are in a circumstances where you do not possess a cosigner then you may really need to try to make use of all of your educational funding options. You’ll find many funds and other scholarships or grants that will give you funding to aid with college expenses. Thx for the post.
What?s Happening i am new to this, I stumbled upon this I have found It positively useful and it has helped me out loads. I hope to contribute & assist other users like its aided me. Good job.
I’m not sure why but this weblog is loading very slow for me. Is anyone else having this problem or is it a problem on my end? I’ll check back later and see if the problem still exists.
Hello, i think that i saw you visited my website so i came to ?return the favor?.I’m trying to find things to improve my web site!I suppose its ok to use a few of your ideas!!
hello!,I like your writing so much! share we communicate more about your article on AOL? I require an expert on this area to solve my problem. Maybe that’s you! Looking forward to see you.
This really answered my problem, thank you!
Take a look at our brands and find the next outfit for your party, evening out, holiday or just for everyday! Wide range of dresses for women, from summer dresses, evening dresses, to long gowns and one piece dresses.
Wow! Thank you! I always needed to write on my site something like that. Can I include a part of your post to my blog?
F*ckin’ awesome things here. I’m very satisfied to look your article. Thank you so much and i’m taking a look forward to contact you. Will you kindly drop me a mail?
I just like the helpful information you supply in your articles. I?ll bookmark your weblog and check again right here frequently. I’m reasonably certain I will learn many new stuff right right here! Best of luck for the following!
Thanks a bunch for sharing this with all people you actually know what you’re talking about! Bookmarked. Kindly also talk over with my web site =). We will have a link trade arrangement among us!
I am glad to be one of several visitants on this outstanding site (:, appreciate it for posting.
Of course, what a fantastic site and illuminating posts, I definitely will bookmark your site.Best Regards!
I have recently started a blog, the information you provide on this web site has helped me tremendously. Thanks for all of your time & work.
I’ve read a few good stuff here. Definitely worth bookmarking for revisiting. I wonder how much effort you put to make such a wonderful informative website.
Youre so cool! I dont suppose Ive learn something like this before. So nice to find somebody with some unique ideas on this subject. realy thanks for beginning this up. this website is something that is needed on the net, somebody with a bit of originality. useful job for bringing something new to the web!
What i do not realize is actually how you’re not actually much more well-liked than you might be right now. You are so intelligent. You realize therefore significantly relating to this subject, made me personally consider it from a lot of varied angles. Its like women and men aren’t fascinated unless it’s one thing to do with Lady gaga! Your own stuffs great. Always maintain it up!
I like the valuable info you provide in your articles. I’ll bookmark your weblog and check again here regularly. I am quite sure I will learn plenty of new stuff right here! Best of luck for the next!
Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You obviously know what youre talking about, why throw away your intelligence on just posting videos to your weblog when you could be giving us something enlightening to read?
Hello, i believe that i saw you visited my website thus i came to “go back the desire”.I am trying to to find things to improve my web site!I assume its adequate to make use of some of your ideas!!
One thing is one of the most widespread incentives for applying your card is a cash-back or even rebate present. Generally, you’ll get 1-5 back with various expenses. Depending on the credit cards, you may get 1 in return on most buying, and 5 in return on buying made on convenience stores, gas stations, grocery stores and also ‘member merchants’.
Wohh just what I was looking for, regards for posting.
I was recommended this web site by way of my cousin. I’m not positive whether this post is written by him as nobody else know such unique about my trouble. You are amazing! Thanks!
Great blog here! Also your web site loads up very fast! What web host are you using? Can I get your affiliate link to your host? I wish my web site loaded up as fast as yours lol
Hello just wanted to give you a quick heads up. The words in your content seem to be running off the screen in Chrome. I’m not sure if this is a format issue or something to do with internet browser compatibility but I figured I’d post to let you know. The style and design look great though! Hope you get the problem fixed soon. Kudos
I was wondering if you ever thought of changing the structure of your website? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having one or 2 images. Maybe you could space it out better?