INDONESIA

In Indonesia, there are over 70 different payment methods. Credit cards are maybe 5 percent of transactions. If you only accept Visa and Mastercard, you have already lost 95 percent of the market.

Indonesia has 270 million people and a booming digital economy. GoTo is the default app for daily life.

A tech winter? Not in tropical Indonesia.

At that time, the internet users in Indonesia is only 30 million, 13% of total Indonesia population.

Today, I believe that 40% to 50% of our investments are in Indonesia, and they are growing.

My time here has given me great belief in the immense potential of our team, our vision, and our commitment to driving Indonesia's digital transformation.