{"id":19909,"date":"2020-11-16T15:40:31","date_gmt":"2020-11-16T08:40:31","guid":{"rendered":"https:\/\/sgu.ac.id\/?p=19909"},"modified":"2021-12-15T14:27:46","modified_gmt":"2021-12-15T07:27:46","slug":"3-fintech-challenges-and-their-solutions","status":"publish","type":"post","link":"https:\/\/sgu.ac.id\/id\/3-fintech-challenges-and-their-solutions\/","title":{"rendered":"3 Fintech Challenges and Their Solutions"},"content":{"rendered":"

Financial technology in Indonesia has very rapid growth lately, both in the payment sector and peer to peer (P2P) lending. Based on statistical data from Bank Indonesia and Otoritas Jasa Keuangan, the value of e-money transactions increase 73 percent in the March 2018-February 2019. Total fintech payments reached Rp 47.1 trillion in 2018.<\/p>\n

More rapid growth occurred in fintech Peer to Peer Lending, which increases 251 percent in disbursement from March 2018 to February 2019. The number of borrower accounts also increased by 65 percent during that period. Cumulatively until January 2019, the number of lenders reached 267,496 with total funds reaching IDR 25.9 trillion. Meanwhile, the number of borrowers reached 5.16 million people.<\/p>\n

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Despite this, there are many challenges posed by the fintech industry. The challenges and solutions of fintech in Indonesia were presented by Fortune Nabhel Harmony at the Business Clinic which was held on Tuesday (9\/11\/2020). She is an international student in the Master of Arts<\/span><\/a> and Master of Business Administration<\/span><\/a> at Swiss German University.<\/p>\n

\"\"<\/strong><\/p>\n

Fintech payment illustration (Clay Banks\/Unsplash)<\/em><\/p>\n

There are three main challenges are facing Fintech companies :<\/strong><\/p>\n

    \n
  1. Competition<\/li>\n<\/ol>\n

    In dealing with competition, your organization needs to have the ability to integrate, construct, and restructure available resources to meet constantly changing environmental settings. Three aspects of dynamic capability include learning, integration, and competitive response.<\/p>\n

    Having a learning culture is critically important to employee engagement and retention. The creation retention and transfer of knowledge within the organization strengthen the organization as a whole.<\/p>\n

    Fintech Company also needs integration. Business integration today is about so much more than connecting computer systems or applications. True business integration means designing ways for all participants in your digital ecosystem to interact seamlessly and support the outcomes important to your organization.<\/p>\n

    Last, fintech companies need to pay attention to competitive response. When market changes occur due to competitive dynamics, it is crucial to know how to react to your customer motivated and successfully selling your products or services.<\/p>\n

      \n
    1. Managing Customer Relationships<\/li>\n<\/ol>\n

      In dealing with customer relationship issues your organization needs to have a systematic approach to providing value for its consumers by establishing successful partnerships with customers and potential customers. Fintech company needs to focus on helping customers meet their goals.<\/p>\n

      To support that point, you need to build the technology capabilities to get more intelligent about your customer needs. Because innovation and tech are the strengths of fintech, it is easy to assume that all customers want newer, faster, more automated services. However, fintech institutions that make that assumption risk drifting out of touch with customer needs.<\/p>\n

      Fintech organizations need to keep the customer experience top of mind. When optimizing and upgrading, make sure you listen to your clients.<\/p>\n

      <\/div>\n\n\n
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      <\/div>\n
        \n
      1. Sustaining Growth<\/li>\n<\/ol>\n

        In dealing with a growth issue, there are three aspects of the organization’s task environment include munificence, complexity, dynamism. Munificence is categorized by \u201cscarcity or abundance of essential resources”.<\/p>\n

        Complexity includes the variability and also the dispersion of the products and services of an organization. Last, Dynamism is a result of the rate of change in external circumstances and the unpredictability of that change.***<\/p>\n

        \"\"<\/p>\n

        Fortune Nabhel Harmony, an international student in the Master of Arts, Business, Administration, and Management at Swiss German University. (SGU Documentation)<\/em><\/p>\n

        <\/div>\n Back<\/span><\/a>","protected":false},"excerpt":{"rendered":"

        Financial technology in Indonesia has very rapid growth lately, both in the payment sector and peer to peer (P2P) lending. Based on statistical data from Bank Indonesia and Otoritas Jasa Keuangan, the value of e-money transactions increase 73 percent in the March 2018-February 2019. Total fintech payments reached Rp 47.1 trillion in 2018. More rapid<\/p>","protected":false},"author":1,"featured_media":19913,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_themeisle_gutenberg_block_has_review":false,"footnotes":""},"categories":[202,401],"tags":[],"class_list":["post-19909","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-misc"],"yoast_head":"\n3 Fintech Challenges and Their Solutions – Swiss German University<\/title>\n<meta name=\"description\" content=\"Financial technology in Indonesia has very rapid growth lately, both in the payment sector and peer to peer (P2P) lending. Based on statistical data from Bank Indonesia and Otoritas Jasa Keuangan, the value of e-money transactions increase 73 percent in the March 2018-February 2019. 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