1. Home
  2. Vol 1, No 3 (2017)
  3. Mawarrini

Identifikasi Pembayaran Bergerak (Mobile Payment) yang Mengganggu (Disruptive) di Indonesia

DOI: https://doi.org/10.21070/perisai.v1i3.1179

Author (s)


(1) * Robertta Indira Mawarrini   (Fakultas Agama Islam, Universitas Muhammadiyah Sidoarjo)  
        Indonesia
(*) Corresponding Author

Abstract


This research aims to identify disruptive mobile payment in Indonesia. Mobile payment as a sector of financial technology is enabling the lifestyle transformation of electronic banking. The future of retail banking is a smartphone experience that gladden and customers also aspire for a “bank in my pocket”. Mobile payment as the second sector most likely to be disrupted in the intersection of finance and technology industry. The promising approach of disruptive innovations is proposed by Professor Christensen from Harvard Bussiness School. They suggest that two strategies for identifying the new disruptive growth of business, as following: “creating a new market as a base of disruption” and “disrupting the business model from the low end”. Our research findings that mobile payment tends to replicate bank’s business model, its business model only espouse financial institution. Customers also desire their mobile payment have to the following three priorities: anytime and anywhere, fully digital (convenience), fast and accurate. When epicenter of disruption of mobile payment have been widely misunderstood and its basic principle frequently misapplied. Islamic mobile payment should be immediately developed in order to expand the coverage of Islamic financial services

Keywords

Islamic banking; mobile payment; disruptive innovation; financial technology



Full Text: PDF



References


Abidin, M. S. (2014). Dampak E-Money. Igarss 2014, (1), 1–5. https://doi.org/10.1007/s13398-014-0173-7.2

Amabile, T. M. (2012).Componential Theory of Creativity (No. 12–096).

Bank Indonesia. (2016).Financial Technologies (FinTech). Bogor. Retrieved from http://skim.kominfo.go.id/temuilmiah/download/Sesi 1/Bank Indonesia - Materi Temu Ilmiah.pdf

Baron, A. S., & Banaji, M. R. (2006).The Development of Implicit Attitudes. Psychological Science, 17(1), 53–58.

Boer, R., & de Boer, T. (2010).Mobile payments 2010. (C. Liezenberg & E. Achterberg, Eds.).

Innopay. Bower, J. L., & Christensen, C. M. (1995).Disruptive technologies: catching the wave. Harvard Business Review, 73(1), 43–53. https://doi.org/10.1016/0024-6301(95)91075-1 Camner, G. (2013). Snapshot : Implementing mobile money interoperability in Indonesia. Retrieved from http://www.gsma.com/mobilefordevelopment/wp-content/uploads/2013/10/Implementing-mobile-money-interoperability-in-Indonesia.pdf

Christensen, C. M. (1997).The Innovator’s Dilemma. Business (Revised). Boston: Harvard Business School Press. https://doi.org/10.1515/9783110215519.82

Christensen, C. M., Anthony, S. D., & Roth, E. A. (2004).Seeing What’s Next : Using the Theoaries of Innovation to predict Industry Change. Harvard Business School Publishing Corporation.

Christensen, C. M., Johnson, M. W., & Rigby, D. K. (2002).Foundations for Growth: How To Identify and Build Disruptive New Businesses. MIT Sloan Management Review, 43(3), 22–31.

Christensen, C. M., Raynor, M., & McDonald, R. (2015).What is disruptive innovation? Harvard Business Review, (December). Retrieved from https://hbr.org/2015/12/what-is-disruptive-innovation

Daulay, S. S. (2015).Hubungan antara QR Code dan Dunia Industri dan Perdagangan. Retrieved from http://www.kemenperin.go.id/download/6759/Hubungan-antara-QR-Code-dan-Dunia-Industri-dan-Perdagangan

Deloitte. (2015).The Future of Financial Services How disruptive innovations are reshaping the way financial services are structured , provisioned and consumed.

Dewan, S. G., & Chen, L. (2005).Mobile Payment Adoption in the Us : a Cross-Industry Cross-Platform Solution. Journal of Information Privacy & Security, 1(October), 4–28. https://doi.org/10.1080/15536548.2005.10855765

Fintech Indonesia, & DailySocialid. (2016).Indonesia FinTech Report 2016. Jakarta. Retrieved from http://ds-report.kilatstorage.com/State of Indonesia Fintech Industry 2016.pdf

Grossman, R. (2016).The Industries That Are Being Disrupted the Most by Digital. Information & Technology. Retrieved from https://hbr.org/2016/03/the-industries-that-are-being-disrupted-the-most-by-digital

Hanantasena, B. (2016).Fintech Penyokong Implementasi Ekonomi Digital di Indonesia. Channel, 5–7.

Maika, M. R. (2016).Model Ekonomi Berbagi “Mobile-Seco” (Platform Multi-Sided Markets) Sebagai Ekosistem Sosio-Ekonomi Islami. Iqtishoduna, Jurnal Ekonomi Dan Bisnis Islam, 12(2), 47–55. Retrieved from http://ejournal.uin-malang.ac.id/index.php/ekonomi/article/view/3946/5480

Maika, M. R., & Latifah, F. N. (2016). Exploring Selling Feature vs Selling Value Toward Saving at Sharia Bank. Sidoarjo. Ondrus, J., & Pigneur, Y. (2005). A Disruption Analysis in the Mobile Payment Market. System Sciences, 2005. HICSS’05. Proceedings of the 38th Annual Hawaii International Conference on, 0(C), (pp. 84c-84c). IEEE. https://doi.org/10.1109/HICSS.2005.9

Ondrus, J., & Pigneur, Y. (2006). Towards a holistic analysis of mobile payments: A multiple perspectives approach. Electronic Commerce Research and Applications, 5(3), 246–257. https://doi.org/10.1016/j.elerap.2005.09.003 Ondrus, J., & Pigneur, Y. (2007). An Assessment of NFC for Future Mobile Payment Systems. International Conference on the Management of Mobile Business (ICMB 2007), (Icmb), 43–43. https://doi.org/10.1109/ICMB.2007.9

Ototritas Jasa Keuangan, & McKinsey&Company. (2016). RIngkasan Indonesian Fintech Festival and Conference (IFFC). Oxforddictionaries. (2016). NFC Definition. Retrieved January 1, 2016, from https://en.oxforddictionaries.com/definition/nfc

Pricewaterhousecoopers. (2016). Blurred lines : How FinTech is shaping Financial Services. Retrieved from http://www.pwc.com/gx/en/industries/financial-services/fintech-survey/report.html

Rafii, F., & Kampas, P. J. (2002). How to identify your enemies before they destroy you. Harvard Business Review, 80(11), 115. Schumpeter, J. A. (2003). Capitalism , Socialism and Democracy (e-Book). Taylor & Francis e-Library.

Smart Card Alliance. (2008). Proximity Mobile Payments Business Scenarios: Research Report on Stakeholder Perspectives. A Smart Card Alliance Contactless Payments, (July), 1–34. Retrieved from http://legacy.nrf-arts.org/Mobile_in_Retail/Mobile_WhitePapers/Mobile_Payment_Business_Model_Research_Report_FINAL.pdf

Statista.com. (2016). Mobile Payment in Indonesia. Retrieved from https://www.statista.com/outlook/296/120/digital-payments/indonesia#market-users Tjakraatmadja,

J. H., & Lantu, D. C. (2006). Knowledge Management Dalam Konteks Organisasi Pembelajar. Bandung: SBM-ITB.


Article View

Abstract views : 620 times | PDF files viewed : 436 times

Dimensions, PlumX, and Google Scholar Metrics

10.21070/perisai.v1i3.1179


Refbacks

  • There are currently no refbacks.


Copyright (c) 2017 Perisai : Islamic Banking and Finance Journal

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.