Identifikasi Pembayaran Bergerak (Mobile Payment) yang Mengganggu (Disruptive) di Indonesia Identification of Disruptive Mobile Payments in Indonesia
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Published:
Oct 31, 2017
Keywords:
Islamic banking, mobile payment, disruptive innovation, financial technology
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Abstract
This research aims to identify disruptive mobile payment in Indonesia. Mobile payment as a sector of financial technology is enabling the lifestyle transformation of electronic banking. The future of retail banking is a smartphone experience that gladden and customers also aspire for a “bank in my pocket”. Mobile payment as the second sector most likely to be disrupted in the intersection of finance and technology industry. The promising approach of disruptive innovations is proposed by Professor Christensen from Harvard Bussiness School. They suggest that two strategies for identifying the new disruptive growth of business, as following: “creating a new market as a base of disruption” and “disrupting the business model from the low end”. Our research findings that mobile payment tends to replicate bank’s business model, its business model only espouse financial institution. Customers also desire their mobile payment have to the following three priorities: anytime and anywhere, fully digital (convenience), fast and accurate. When epicenter of disruption of mobile payment have been widely misunderstood and its basic principle frequently misapplied. Islamic mobile payment should be immediately developed in order to expand the coverage of Islamic financial services
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Copyright (c) 2017 Robertta Indira Mawarrini
This work is licensed under a Creative Commons Attribution 4.0 International License.
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Bank Indonesia. (2016).Financial Technologies (FinTech). Bogor. Retrieved from http://skim.kominfo.go.id/temuilmiah/download/Sesi 1/Bank Indonesia - Materi Temu Ilmiah.pdf
Baron, A. S., & Banaji, M. R. (2006).The Development of Implicit Attitudes. Psychological Science, 17(1), 53–58.
Boer, R., & de Boer, T. (2010).Mobile payments 2010. (C. Liezenberg & E. Achterberg, Eds.).
Innopay. Bower, J. L., & Christensen, C. M. (1995).Disruptive technologies: catching the wave. Harvard Business Review, 73(1), 43–53. https://doi.org/10.1016/0024-6301(95)91075-1 Camner, G. (2013). Snapshot : Implementing mobile money interoperability in Indonesia. Retrieved from http://www.gsma.com/mobilefordevelopment/wp-content/uploads/2013/10/Implementing-mobile-money-interoperability-in-Indonesia.pdf
Christensen, C. M. (1997).The Innovator’s Dilemma. Business (Revised). Boston: Harvard Business School Press. https://doi.org/10.1515/9783110215519.82
Christensen, C. M., Anthony, S. D., & Roth, E. A. (2004).Seeing What’s Next : Using the Theoaries of Innovation to predict Industry Change. Harvard Business School Publishing Corporation.
Christensen, C. M., Johnson, M. W., & Rigby, D. K. (2002).Foundations for Growth: How To Identify and Build Disruptive New Businesses. MIT Sloan Management Review, 43(3), 22–31.
Christensen, C. M., Raynor, M., & McDonald, R. (2015).What is disruptive innovation? Harvard Business Review, (December). Retrieved from https://hbr.org/2015/12/what-is-disruptive-innovation
Daulay, S. S. (2015).Hubungan antara QR Code dan Dunia Industri dan Perdagangan. Retrieved from http://www.kemenperin.go.id/download/6759/Hubungan-antara-QR-Code-dan-Dunia-Industri-dan-Perdagangan
Deloitte. (2015).The Future of Financial Services How disruptive innovations are reshaping the way financial services are structured , provisioned and consumed.
Dewan, S. G., & Chen, L. (2005).Mobile Payment Adoption in the Us : a Cross-Industry Cross-Platform Solution. Journal of Information Privacy & Security, 1(October), 4–28. https://doi.org/10.1080/15536548.2005.10855765
Fintech Indonesia, & DailySocialid. (2016).Indonesia FinTech Report 2016. Jakarta. Retrieved from http://ds-report.kilatstorage.com/State of Indonesia Fintech Industry 2016.pdf
Grossman, R. (2016).The Industries That Are Being Disrupted the Most by Digital. Information & Technology. Retrieved from https://hbr.org/2016/03/the-industries-that-are-being-disrupted-the-most-by-digital
Hanantasena, B. (2016).Fintech Penyokong Implementasi Ekonomi Digital di Indonesia. Channel, 5–7.
Maika, M. R. (2016).Model Ekonomi Berbagi “Mobile-Seco” (Platform Multi-Sided Markets) Sebagai Ekosistem Sosio-Ekonomi Islami. Iqtishoduna, Jurnal Ekonomi Dan Bisnis Islam, 12(2), 47–55. Retrieved from http://ejournal.uin-malang.ac.id/index.php/ekonomi/article/view/3946/5480
Maika, M. R., & Latifah, F. N. (2016). Exploring Selling Feature vs Selling Value Toward Saving at Sharia Bank. Sidoarjo. Ondrus, J., & Pigneur, Y. (2005). A Disruption Analysis in the Mobile Payment Market. System Sciences, 2005. HICSS’05. Proceedings of the 38th Annual Hawaii International Conference on, 0(C), (pp. 84c-84c). IEEE. https://doi.org/10.1109/HICSS.2005.9
Ondrus, J., & Pigneur, Y. (2006). Towards a holistic analysis of mobile payments: A multiple perspectives approach. Electronic Commerce Research and Applications, 5(3), 246–257. https://doi.org/10.1016/j.elerap.2005.09.003 Ondrus, J., & Pigneur, Y. (2007). An Assessment of NFC for Future Mobile Payment Systems. International Conference on the Management of Mobile Business (ICMB 2007), (Icmb), 43–43. https://doi.org/10.1109/ICMB.2007.9
Ototritas Jasa Keuangan, & McKinsey&Company. (2016). RIngkasan Indonesian Fintech Festival and Conference (IFFC). Oxforddictionaries. (2016). NFC Definition. Retrieved January 1, 2016, from https://en.oxforddictionaries.com/definition/nfc
Pricewaterhousecoopers. (2016). Blurred lines : How FinTech is shaping Financial Services. Retrieved from http://www.pwc.com/gx/en/industries/financial-services/fintech-survey/report.html
Rafii, F., & Kampas, P. J. (2002). How to identify your enemies before they destroy you. Harvard Business Review, 80(11), 115. Schumpeter, J. A. (2003). Capitalism , Socialism and Democracy (e-Book). Taylor & Francis e-Library.
Smart Card Alliance. (2008). Proximity Mobile Payments Business Scenarios: Research Report on Stakeholder Perspectives. A Smart Card Alliance Contactless Payments, (July), 1–34. Retrieved from http://legacy.nrf-arts.org/Mobile_in_Retail/Mobile_WhitePapers/Mobile_Payment_Business_Model_Research_Report_FINAL.pdf
Statista.com. (2016). Mobile Payment in Indonesia. Retrieved from https://www.statista.com/outlook/296/120/digital-payments/indonesia#market-users Tjakraatmadja,
J. H., & Lantu, D. C. (2006). Knowledge Management Dalam Konteks Organisasi Pembelajar. Bandung: SBM-ITB.