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.
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