The Convergence of eCommerce and Payments in Southeast Asia – Sukan Makmuri
summary
Indonesia’s e‑commerce booms since 2014 with marketplaces (Tokopedia, Shopee, Lazada) dominating and Shopee’s IPO price rising about 8x; payments remain cash and bank transfer heavy with 7 in 10 payments are bank transfers and credit card penetration ≈5%. Cash on delivery and 17,000 islands drive high logistics and return costs. Multiple wallets and gateways (GoPay, OVO, DOKU, Midtrans, Xendit) ease integrations but create fragmentation; onboarding can take weeks, convenience‑store payouts need special integrations, and cross‑border payments remain limited. A super‑app hub and mapped gateway routing are practical next steps.
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chapters (6)
- 0:00Introduction
- 10:16Payments in Southeast Asia
- 16:38Regulatory constraints
- 19:41Payment gateways
- 22:41Which gateway would you choose
- 23:25Onboarding process
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