Stat 1: Internet Users in Indonesia Statistics - 2010

This is the first of statistic data series which is related to Information Tech and Communication.

The data can be used as a reference when you want to know the development of IT or Data Com in a specific country or region.

Business Process Management (BPM) Part 1

It becomes every company's objectives that it can do its operation to meet business objectives with more agility. In order to achieve that a company has to manage the interaction between human and application that support the business so that it drives business results and create value. A redundant, overlap and island of applications often create difficulties to meet this target. This is where Business Process Management (BPM) discipline can fit, as it refers to activities to optimise the business process in a company by automate manual process based on rules. BPM coordinates interactions between systems, business process and human interaction. Having BPM in place, then tasks can be routing to employees taking away non-value adding activities such as routines decisions, extracting data, filling up the forms.

To support a company in managing various aspects of BPM, Information Technology vendors develop an application suite. The application provide tools so that a business process can be visually design and model, simulate and test business process, automate and control the process as well as provide monitoring and reporting. This apps commonly understand as Business Process Management Systems.

One important key aspect is that the system must be able to talk to external systems, so that is not a stand alone system. Industry has come up with a standard technology which is called Web Services. A common framework of how this technology is deployed is called Service Oriented Architecture.

Banking & Telco : Co-opetition

Porter Competitive Model is used to undertand and evaluate the structure of an industry 's business environment and the threats of competition to a specific company. The competition in an industry is based on five forces, e.g Intraindustry Rivalry, The bargaining of Buyers, The bargaining of suppliers, The treat of new entrants and the Threat of Substitute Products or Services.

Banking and Telco are actually two different industries, so evaluating Banking Industry using Porter Competitive Model I hardly think of Telco able to be as the treat of new entrants and providing a substitue products or services. However, telco companies have entered Banking Teritory and provide alternative products in the area of digital money or sometimes it is called eletronic money (e-money). This e-money mostly is used for micropayment.

In the 90's, banks in US has tried this with products such as MondEx, VisaCash, GeldKarte, however now telco also can provide similar functions. In Indonesia, telco provider such as Indosat has launched mobile commerce as well as Telkomsel with its T-cash. Banks like BCA also promote its e-purse which is called BCA Flazz, with similar purpose other businesses such as cinema and gas station also developed their own e-money.

A data that was quoted from Warta Ekonomi, telling that e-Money that is launched by Telco has increased quickly. In 2008, there are less than 1 million card, by the end of 2009 there are 2.9 million cards. Average transaction amount in Desember 2009 is about USD 3 / transaction. Overall Telco company has a customer almost 100 million, meaning that it is a huge potential market.

Phillipine is a another sample of which e-Money is very much developed. Mobile Banking with the with the helped of telco has become a huge succes in Phillipine. The services is also very rich including remittance services. So, at this stage Telco and Banks can be coexistence in providing this e-money services to customers.