Department of Information Systems, Faculty of Computer Science, UB, held a guest lecture with the theme Digital Financial Technology Startup Companies 3.5 on Friday (30/4/2021) online through Zoom and followed by 70 participants.
The speaker in this activity is Adityas Kemal Fakhruddin M.Kom., MIM who is the Head of Non-PDAM Product at Bima Sakti Alterra and guided by Buce Trias Hanggara, S.Kom., M.Kom as moderator.
The guest lecture program was started by remarks from the Head of the Information Systems Department, Issa Arwani, S.Kom., M.Sc. Issa expressed his gratitude to the speakers who were willing to share knowledge and spend their time in giving guest lectures at FILKOM. Issa also appealed to the students who took part in this guest lecture to remain enthusiastic and focused on understanding the material given even though they were fasting.
It should be noted that Bima Sakti Alterra is one of the business units (sister company) in Alterra which focuses on cooperation with the government (business to government) while Alterra itself focuses on business to business.
Alterra is a technology company (start-up) which focuses on providing innovative solutions in billing services in Indonesia which was established as Sepulsa in 2015 and has branch offices in Jakarta, Jambi, Malang and Denpasar. Adityas Kemal Fahruddin M.Kom., MIM. as the presenter said that Alterra had collaborated as a payment bridge at Tokopedia, Shoppe, Bukalapak as well as local governments throughout Indonesia. According to Kemal, the definition of a start-up is a small team that has the same motivation to solve existing problems by working together in making technology and developing together. It takes hard work, persistence, discipline, courage, in building a start-up so that it can be successful and the company itself starts from a start-up.
Furthermore, Kemal explained about Fintech (Financial Technologies), which is a new economic industry consisting of companies that use technology such as blockchain, machine learning, and AI, to make financial services more efficient, secure and transparent. The beginning of Fintech is predicted to be existed in 1950, introduced by The Dinners’Club, which introduced a universal credit card, then developed with various new breakthroughs in the development of Fintech itself, such as electronic trading, online banking, PayPal, Bitcoin, Google Pay, and various Fintech apps which many appear in the modern era. It can be said that Fintech aims to facilitate users in their financial services. One of the fintechs that is currently busy and favored by millennials is Digital Investment, which is investing in the digital world. Investment has shifted and entered the digital world, where a person no longer needs to buy a house, land, gold and save in a bank to invest, further requires a large amount of capital. Digital Investment offers clients to invest with small capital, such as investing in stocks and being able to make transactions anywhere and anytime through any payment, for example via OVO, Dana, GoPay, Mobile Banking, etc. Besides Digital Investment, Fintech also includes Payment Gateway, Wallet, Crowdfunding, Cryptocurrency, P2P Lending, Digital Banking, Dibursement and Billing Aggregator.
Kemal also added that the awareness of Indonesian people who understand Fintech is very small, therefore Fintech is a great and promising opportunity in Indonesia. Fintech has also become a regulation at Bank Indonesia (BI) and according to a survey that has been conducted, 70% of respondents are still open and interested in the application of Fintech in Indonesia. Fintech is considered very easy to use so that everyone can use it, especially with the current pandemic conditions, Fintech is growing significantly and increasing in terms of use because many people are staying at home spending their time through gadgets and online transactions are mostly carried out during the pandemic period. Kemal supports FILKOM students, if they want to establish a start-up that is engaged in Fintech since it has good prospects and the feedback will be quite large, but also requires careful preparation and don’t give up when you find a problem, understand and find a solution. (DRN / Humas UB/ Trans. Iir)
