Sunday, February 28, 2010

Mobile Money Transfer di Indonesia

Bagaimana status mobile money transfer alias mobile remittance di Indonesia?  Faktanya, perkembangan teknologi ini di Afrika sangat luar biasa, terutama di Kenya dengan M-Pesa dari Safaricom. Teknologi ini menjadi satu kontributor penting untuk meningkatkan gairah ekonomi di Afrika, dan bahkan mengentas kemiskinan.

Ada beberapa provider mobile money transfer di Indonesia, misalnya T-Cash dari Telkomsel, Dompetku dari Indosat, dan mungkin i-Pay dari Indosat M2?.

Apa kelebihan M-Pesa dibandingkan layanan provider nasional kita? Kalau memang masyarakat kita membutuhkannya, seharusnya bisa booming juga dong?

Ternyata layanan utama M-Pesa yaitu mobile money transfer tidak tersedia baik di T-Cash maupun Dompetku. T-Cash dan dompetku hanya dapat digunakan untuk melakukan pembelian di merchant tertentu, pembayaran tagihan, dan top-up pulsa.

Saya pikir tidak lama lagi layanan mobile money transfer akan diadopsi oleh para mobile operator. Kita bisa tunggu, atau yuk melakukan inisiatif mandiri! Mau? ;-)

Mobile Money Africa » Blog Archive » Mobile money transfer is now the new ‘bank of the poor’
Mobile phone-based money transfer and banking solutions have been recognised as the avenue to take banking services to people outside the formal financial industry.

The services have helped reduce the cost of access to financial services for 2.3 billion people in the world who live on less than $2 per day and cannot afford formal financial services.

According to the “Banking and mobile money transfer solutions in the Comesa region” conference held in Nairobi, these figures go to show that the opposition by banking institutions to financial inclusion of the new technological banking solution was baseless.

The meeting, organised by Africa IT Exhibitions and Conferences (Aitec), underscored the use of mobile phone-based money transfer services to provide banking services to those who cannot access formal services.

The services are cheaper than conventional banking, which comes with expenses the poor could not afford.

Apart from various existing mobile banking solutions in the region like M-pesa, Zap and yuCash, there are about 120 other pilot mobile banking services around the world.

The only concern is how to replicate the success services like M-pesa to other countries.

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