How Will WhatsApp Pay Fare in Indonesia’s E-Money Market?


  • The payment service business in Indonesia is evolving into a new phase since many global technology giants plan to partner with local banks and fintech companies. There are at least three major alliances involving Samsung, WeChat, and Alipay.
  • Issues such as monopoly, transparency, security, interoperability, and interconnectivity may hinder WhatsApp Pay’s plan to expand to various countries, including Indonesia. The Indian authority’s attitude towards it can become a reference in addressing these problems.
  • The latest regulation on payment systems seems intentionally designed to accommodate tech giants. Its main points consist of foreign ownership relaxation; interoperability and interconnectivity; risk-based classification of industry players; and data protection.

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