Insights
All Insights
A collection of articles, reflections, and strategic thinking from the GATICORP ecosystem.
Digital
Fintech Must Prove Its Impact
Indonesia’s fintech sector is moving beyond a phase where users, transactions and disbursement alone can define success. The harder question is whether innovation creates genuinely new access, lowers friction, improves economic outcomes and remains resilient.
Digital
QRIS 0% and the Economics of Small Transactions
From October 1, Indonesia expands the 0% QRIS Merchant Discount Rate to transactions of up to Rp100,000. The savings are real, but merchant profitability still depends on product margins, reconciliation, settlement and the wider cost of accepting payments.
Digital
Discovery Commerce: Products Find Buyers
E-commerce no longer waits only for consumers to search. Content, live shopping, recommendation feeds and creators can bring products directly into a potential buyer’s attention. The opportunity for Indonesian SMEs is significant—but visibility still needs to convert into healthy margins, inventory discipline and repeat customers.
Digital
Digital Rupiah Moves Toward Infrastructure
Indonesia has not launched the Digital Rupiah to the public. Project Garuda has nevertheless progressed from consultation into wholesale technology experimentation, while Bank Indonesia is now deepening work on a Wholesale Securities Ledger. The bigger issue is how central-bank money could interact with future financial-market infrastructure.
Digital
From Payments to Open APIs
Digital payments are already widespread. The next challenge is integration: connecting transactions with POS, accounting, ERP, treasury and customer service without creating a new layer of fragmentation.
Digital
PSE Deadline: Who Owns the Risk?
Komdigi gave 25 private electronic-system providers until September 22 to complete registration requirements. The deeper issue is digital governance: many companies operate websites, apps and portals across different teams without a single regulatory inventory or clear accountable owner.
Digital
Digital Payments: What Comes Next?
Indonesia’s digital payments have reached enormous scale. The next question is no longer how many merchants accept QRIS, but whether digital payments improve settlement, reconciliation, cash-flow visibility, customer retention and business productivity.
Digital
Indonesia Is Starting to Enforce PP TUNAS: Why Child Protection Must Begin in Product Design
Six months into PP TUNAS implementation, child online safety is shifting from a parental-control issue toward product governance. Age assurance, privacy defaults, profiling, addictive design and feature-level risk are becoming responsibilities that digital companies must assess before children use their products.
Digital
Digital Transactions Are Growing—and So Is Scam Risk: What Should Businesses Protect?
Indonesia Anti-Scam Centre has received more than 637,000 reports and blocked over 607,000 accounts since operations began. For businesses, fraud prevention cannot rely only on telling employees to be careful. Payment processes must be designed so that one convincing message is not enough to move company money.
Digital
Businesses Have More Data Than Ever—and Too Little Insight: Why Data Hygiene Comes Before AI and Dashboards
POS systems, marketplaces, payments, CRM and analytics generate more business data than ever. But duplicate customers, inconsistent SKUs, missing statuses and unreconciled refunds can make dashboards misleading and AI confidently wrong.
Digital
AI Can Increasingly Act, Not Just Answer: What Authority Boundaries Should Businesses Set?
AI systems are evolving from answering questions to taking actions across business tools and workflows. The next governance challenge is deciding what they can access, what they can execute, and where human approval must remain mandatory.
Digital
A Daily Dashboard Should Do More Than Show Revenue: Seven Customer Signals Businesses Should Track
Revenue tells a business what has already happened. A useful dashboard explains why it happened and what may change next. These seven customer signals can provide earlier insight into growth, retention, and risk.