The Merging of Gojek and Tokopedia Forms Go To. Is This a Threat to National Banking and Fintech?
DOI:
https://doi.org/10.59889/ijembis.v2i3.380Keywords:
Gojek, Tokopedia, GoTo, National Banking, FinTechAbstract
This research aims to examine various literature which is used synthetically to explain the phenomenon of the merger of Gojek and Tokopedia into GoTo which is predicted to be a challenge for national banks and fintech in lending. The research results show that Banking and fintech have different characteristics but target the same market niche. Fintech has disrupted various economic activities, including the financial sector. The role of fintech, which is quite large and very flexible, needs to be addressed as an enabler, not as a competitor in the financial sector. So, the financial sector needs to collaborate with fintech in providing financial services or creating new products for consumers.
Downloads
References
Annur, C. M. (2019, May 22). Bantu Penjual, Tokopedia Buka Jaringan Logistik TokoCabang di 3 Kota. Retrieved from katadata.co.id: https://katadata.co.id/pingitaria/digital/5e9a518acbddf/bantu-penjual-tokopedia-buka-jaringan-logistik-tokocabang-di-3-kota
Ayuwuragil, K. (2018, February 12). Djarum Akui Ikut Suntik Dana ke Gojek. Retrieved from www.cnnindonesia.com: https://www.cnnindonesia.com/teknologi/20180212201944-185-275725/djarum-akui-ikut-suntik-dana-ke-gojek
Bank Indonesia. (2021, July 18). Apa latar belakang penerbitan PBI tentang Penyelenggaraan Teknologi Finansial (PBI TekFin) ini? Retrieved from www.bi.go.id: https://www.bi.go.id/en/fungsi-utama/sistem-pembayaran/ritel/financial-technology/faq.aspx#heading3
Business Wire. (2016, August 4). KKR, Warburg Pincus, Farallon and Capital Group Private Markets Make Substantial Investment in GO-JEK, Indonesia’s Leading On-Demand Mobile Platform. Retrieved from www.businesswire.com: https://www.businesswire.com/news/home/20160804005797/en/KKR-Warburg-Pincus-Farallon-Capital-Group-Private
Christiyaningsih, & Subekti, R. (2018, February 13). Mengapa Astra Suntik Gojek Triliunan Rupiah? Retrieved from www.republika.co.id: https://www.republika.co.id/berita/nasional/news-analysis/18/02/13/p41roy440-mengapa-astra-suntik-gojek-triliunan-rupiah
CNBC Indonesia. (2020, May 12). Buka-bukaan Bos Tokopedia Soal Bocornya 91 Juta Data Pengguna. Retrieved from www.cnbcindonesia.com: https://www.cnbcindonesia.com/tech/20200512133506-37-157889/buka-bukaan-bos-tokopedia-soal-bocornya-91-juta-data-pengguna
Daga, A., & Potkin, F. (2021, May 17). Indonesia's Gojek, Tokopedia to create biggest local tech group. Retrieved from www.reuters.com: https://www.reuters.com/technology/indonesias-gojek-tokopedia-merge-countrys-biggest-deal-2021-05-17/
Detik.com. (2021, May 17). Asal-usul Nama Goto, Hasil Gojek-Tokopedia Merger. Retrieved from inet.detik.com: https://inet.detik.com/business/d-5572012/asal-usul-nama-goto-hasil-gojek-tokopedia-merger
Franedya, R. (2021, May 17). Terungkap! Ini Investor GoTo, Usai Merger Gojek & Tokopedia. Retrieved from www.cnbcindonesia.com: https://www.cnbcindonesia.com/tech/20210517125832-37-245964/terungkap-ini-investor-goto-usai-merger-gojek-tokopedia
Gojek.com. (2021, May 17). Gojek dan Tokopedia Bentuk GoTo, Grup Teknologi Terbesar di Indonesia dan Ekosistem Andalan dalam Menjalani Keseharian. Retrieved from www.gojek.com: https://www.gojek.com/blog/gojek/goto/
Hadi, S. (2000). Metode Research. Yogyakarta: ANDI.
Hendra, D. (2018, March 8). Jalan Panjang Tokopedia Menjadi Unicorn Indonesia. Retrieved from swa.co.id: https://swa.co.id/swa/profile/jalan-panjang-tokopedia-menjadi-unicorn-indonesia
Herman, & Kristianus, A. (2021, June 10). Kemkeu Dorong Kolaborasi Perbankan dan Fintech. Retrieved from www.beritasatu.com: https://www.beritasatu.com/ekonomi/785107/kemkeu-dorong-kolaborasi-perbankan-dan-fintech
Jeko. (2017, August 17). Alibaba Suntik Rp 14,7 Triliun ke Tokopedia. Retrieved from www.liputan6.com: https://www.liputan6.com/tekno/read/3061676/alibaba-suntik-rp-147-triliun-ke-tokopedia
Jeko. (2018, February 13). Seluk Beluk Perjalanan Go-Jek Menjadi Startup Unicorn. Retrieved from www.liputan6.com: https://www.liputan6.com/tekno/read/3282432/seluk-beluk-perjalanan-go-jek-menjadi-startup-unicorn
Khadafi, M. (2019, March 7). Mampukah Bank Bersaing dengan Fintech? Retrieved from finansial.bisnis.com: https://finansial.bisnis.com/read/20190307/90/897054/mampukah-bank-bersaing-dengan-fintech
Kompas.com. (2020, May 3). Data Pengguna Tokopedia Bocor, Cek Apakah Akun Anda Terdampak. Retrieved from tekno.kompas.com: https://tekno.kompas.com/read/2020/05/03/11580057/data-pengguna-tokopedia-bocor-cek-apakah-akun-anda-terdampak
Mac, R. (2014, October 22). SoftBank And Sequoia Capital Make First Investment In Indonesia With $100 Million Into Tokopedia. Retrieved from www.forbes.com: https://www.forbes.com/sites/ryanmac/2014/10/22/softbank-and-sequoia-capital-mark-first-investment-in-indonesia-with-100-million-backing-of-tokopedia/?sh=42d1891c6656
Nisaputra, R. (2020, November 6). Kondisi Perbankan Nasional Disaat Pandemi Covid-19. Retrieved from infobanknews.com: https://infobanknews.com/analisis/kondisi-perbankan-nasional-disaat-pandemi-covid-19/
OJK. (2021, August 2). BANKING INSTITUTION IN INDONESIA. Retrieved from www.ojk.go.id: https://www.ojk.go.id/en/kanal/perbankan/ikhtisar-perbankan/Pages/Lembaga-Perbankan.aspx
Praditya, D. (2018, December 12). Tokopedia Mengonfirmasi Pendanaan Rp16 Triliun dari SoftBank dan Alibaba Group. Retrieved from id.techinasia.com: https://id.techinasia.com/tokopedia-pendanaan-softbank-alibaba
Pratama, A. H. (2016, August 12). Perjalanan GO-JEK dari Sebuah Call Center Menjadi Startup Unicorn. Retrieved from id.techinasia.com: https://id.techinasia.com/infografis-perjalanan-go-jek-dari-berdiri-hingga-unicorn
Purwanto, E. (2021, May 18). Punya 100 Juta Pengguna Bulanan, GoTo Jadi Perusahaan Teknologi Terbesar di Indonesia. Retrieved from www.idxchannel.com: https://www.idxchannel.com/foto-1/foto/punya-100-juta-pengguna-bulanan-goto-jadi-perusahaan-teknologi-terbesar-di-indonesia
Saputra, A. (2020, May 6). Data Pribadi Konsumen Bocor, Tokopedia Digugat Rp 100 Miliar. Retrieved from news.detik.com: https://news.detik.com/berita/d-5004928/data-pribadi-konsumen-bocor-tokopedia-digugat-rp-100-miliar
Savitri, A. (2018, January 29). Google Akui Investasi ke Gojek. Retrieved from www.cnnindonesia.com: https://www.cnnindonesia.com/teknologi/20180129144926-185-272321/google-akui-investasi-ke-gojek
Sujarweni, V. W. (2019). Metodologi Penelitian Bisnis & Ekonomi. Yogyakarta: Pustaka Baru Press.
TANI, S. (2020, June 3). Indonesia's Gojek bags investment from Facebook, PayPal. Retrieved from asia.nikkei.com: https://asia.nikkei.com/Business/Startups/Indonesia-s-Gojek-bags-investment-from-Facebook-PayPal
Tokopedia. (2021, May 17). Gojek and Tokopedia combine to form GoTo, the largest technology group in Indonesia and the “go to” ecosystem for daily life. Retrieved from www.tokopedia.com: https://www.tokopedia.com/blog/gojek-and-tokopedia-combine-to-form-goto-the-largest-technology-group-in-indonesia-and-the-go-to-ecosystem-for-daily-life/
Yusra, Y. (2017, January 9). Tokopedia Rambah Layanan Fintech Tahun Ini. Retrieved from dailysocial.id: https://dailysocial.id/post/tokopedia-fintech
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2022 Cundo Harimurti, Mohammad Sofyan
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
