In an official launch event at the end of January, <a href="https://www.vivo.com/id">vivo Indonesia</a> unveiled the <a href="https://www.vivo.com/id/products/y100-5g?cid=id_paid_search_google_alwayson_aon_01-vivo-id24-alwayson24-search-aon-r1-sem-traf-mid-auction-digital-brandedlow-kwb-broad&amp;utm_source=google&amp;utm_medium=search&amp;utm_campaign=01-vivo-id24-alwayson24-search-aon-r1-sem-traf-mid-auction-digital-brandedlow-kwb-broad&amp;utm_term=mid-20240201&amp;utm_content=none&amp;gad_source=1&amp;gclid=CjwKCAiAq4KuBhA6EiwArMAw1N0untUA61ibGLPvGQqL48a7hpyjteSacXElw5KQQ8DkLmRVLI_RRBoCCdkQAvD_BwE">vivo Y100 5G</a>, setting new standards for design and performance in the Indonesian smartphone market. Priced at Rp3,899,000 for the 128GB variant and Rp4,199,000 for the 256GB variant, this latest addition to the Y Series promises a complete package of innovative design and top-notch performance.The Y100 5G boasts a trendy design featuring Premium Fiber Skin Design on the back and Anti-Stain Coating Technology, ensuring an exclusive touch experience and resistance to daily stains. Available in Orchid Purple and Onyx Black, inspired by Indonesia's national flora, the phone aims to appeal to users seeking both style and elegance.Designed for users on the go, the vivo Y100 5G introduces the 80W FlashCharge fast charging technology, a first in the Y-Series. This technology allows the phone to charge half of its battery in just 15 minutes, making it the fastest-charging phone in its class. Nighttime Charging Protection and 24-Dimension Security Protection enhance the charging experience, providing comprehensive protection during nighttime charging.To ensure long-lasting battery performance, vivo incorporates 4 Years Battery Protection, maintaining the battery at 80% capacity for up to four years. The addition of the Battery Health Checker feature and vivo Care+ service, allowing for a free battery replacement if needed within the first four years, further enhances user confidence.The vivo Y100 5G focuses not only on design and battery durability but also on delivering a high-quality entertainment experience. The phone features a 120Hz AMOLED display for stunning visual satisfaction and Dual Stereo Speakers with Audio Booster, providing an immersive audio experience.Powered by the Qualcomm Snapdragon 4 Gen 2 5G chipset with 4nm fabrication, the Y100 5G ensures a smooth and efficient smartphone experience. The enhanced camera configuration includes a 50MP Main Camera and 8MP Wide Angle Camera, equipped with features such as Super Night Mode, Bokeh Flare Portrait, Dual-View Video, and Flicker Sensor for high-quality imaging in various situations.Storage capacity is not overlooked, with two RAM options – 8GB + 8GB Extended RAM with 128GB ROM and 8GB + 8GB Extended RAM with 256GB – capable of running numerous apps simultaneously and storing up to 60,000 photos. Security concerns are addressed with the inclusion of Screen Touch ID, offering both convenience and an extra layer of security.<a href="https://www.linkedin.com/in/gilang-pamenan-bb355b91/?originalSubdomain=id">Gilang Pamenan</a>, Product Manager at vivo Indonesia, emphasizes that the vivo Y100 5G goes beyond being just a smartphone, serving as a medium that unlocks unlimited potential and happiness. The device aims to meet the expectations of users seeking a smartphone that supports daily productivity and provides an unparalleled entertainment experience.

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vivo Y100 5G: Stylish Design and Immersive Entertainment

<a href="https://www.pupuk-indonesia.com/">PT Pupuk Indonesia (Persero)</a> is gearing up to enhance agricultural production in <a href="https://id.wikipedia.org/wiki/Sulawesi_Selatan">South Sulawesi</a>, ensuring an ample supply of fertilizers for the 2024 planting season. In collaboration with the <a href="https://pertanian.go.id/">Ministry of Agriculture (Kementan)</a>, the company is actively increasing distribution, maintaining fertilizer availability, and encouraging early purchases by farmers.To expedite the process, Pupuk Indonesia is facilitating the distribution of subsidized fertilizers and making it easier for farmers to purchase non-subsidized ones through the Fertilizer Bazaar program. This initiative, part of the Ministry of Agriculture's Agricultural Extension and Farmer Coaching program, engaged around 50,000 farmers and agricultural extension officers.<a href="https://www.linkedin.com/in/tri-wahyudi-saleh-3ab74891/?originalSubdomain=id">Tri Wahyudi Saleh</a>, Director of Marketing at Pupuk Indonesia, emphasized the company's commitment to supporting the government's mandate and enhancing farmer prosperity. Through initiatives like the Fertilizer Bazaar, Pupuk Indonesia aims to not only provide easy access to fertilizers but also offer favorable pricing, contributing to national food security.Pupuk Indonesia is embracing innovation and digital technology in fertilizer distribution management. The Distribution Planning and Control System (DPCS) and Retail Management System (RMS) ensure transparency and efficiency. The company's 42 third-tier warehouses, involving 53 distributors and 1,101 official kiosk networks, support fertilizer distribution. Collaboration with stakeholders is vital for the smooth distribution of subsidized fertilizers.As of December 2023, 535,597 tons of subsidized fertilizers were distributed in South Sulawesi, contributing to the national total of 6.18 million tons. Pupuk Indonesia produced 18.71 million tons, including Urea, NPK, and other fertilizers. Beyond subsidized fertilizers, the <a href="https://www.pupuk-indonesia.com/product/makmur">MAKMUR program</a> aims to create a self-sustaining agricultural ecosystem using non-subsidized fertilizers, empowering farmers through mentoring, capital access, risk protection, and market guarantees.Pupuk Indonesia is also running the Gebyar Diskon Pupuk program in 30 cities nationwide, aiming to provide farmers with affordable fertilizer access. Director Tri emphasized the company's commitment to creating a positive impact on farmers and local communities.Notable attendees at the event included Minister of Agriculture Mr. <a href="https://id.wikipedia.org/wiki/Amran_Sulaiman">Amran Sulaiman</a>, Director of Marketing at Pupuk Indonesia Tri Wahyudi Saleh, Acting Governor of South Sulawesi <a href="https://id.wikipedia.org/wiki/Bahtiar_Baharuddin">Bahtiar Baharuddin</a>, Acting Regent of Bone <a href="https://id.wikipedia.org/wiki/Andi_Islamuddin">Andi Islamuddin</a>, Regent of Soppeng<a href="https://id.wikipedia.org/wiki/Andi_Kaswadi_Razak"> Andi Kaswadi Razak</a>, and Acting Regent of Sinjai <a href="https://id.wikipedia.org/wiki/Teuku_Raja_Fahsul_Falah">TR Fahsul Falah</a>. Pupuk Indonesia's proactive measures align with its dedication to supporting farmers and ensuring agricultural prosperity in South Sulawesi and nationwide.

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Pupuk Indonesia: Empowering Farmers for Prosperity

The post-pandemic era has posed challenges to the <a href="https://indonesia.incorp.asia/blogs/edutech-in-indonesia/">edutech industry</a>, ranging from investment climate, innovation direction, to business development. However, <a href="https://www.kuncie.com/">Kuncie</a>, a leading education solutions provider in Indonesia and a portfolio of <a href="https://www.telkomsel.com/about-us/profil/indico">INDICO</a>, a subsidiary of <a href="https://www.telkomsel.com/">Telkomsel</a>, has successfully navigated these challenges, recording impressive performance throughout 2023. Notably, Kuncie's transaction value in 2023 surged by 3.5 times, accompanied by nearly a twofold increase in revenue. This achievement reflects the high level of trust the community places in Kuncie and the success of its business strategy in 2023. To sustain this positive momentum in 2024, Kuncie remains committed to continuous innovation, delivering relevant products to consumers amid the increasingly complex industry landscape.<a href="https://www.linkedin.com/in/hendrasaputra/?originalSubdomain=id">Hendra Saputra</a>, CEO of Kuncie, expressed, "Our success in growing amidst these challenging industry conditions demonstrates that Kuncie has provided educational services that meet the needs of the public, especially professionals. This achievement not only mirrors solid financial growth but also validates the value presented by Kuncie as a platform enhancing the competence and capacity of its users. It serves as a robust foundation for us to strengthen our presence in the edutech industry and continue delivering exclusive and high-quality learning experiences to diverse layers of society in Indonesia."Kuncie's business growth in 2023 was fueled by positive performance in the corporate customer segment through Corporate Training Solutions, diverse purchases of learning video modules, and personalized self-paced learning classes. Individual-focused programs also contributed positively, such as the Kuncie Executive program, a collaboration with renowned educational institutions like <a href="https://www.sbm.itb.ac.id/id/">SBM ITB (School of Business Management, Bandung Institute of Technology)</a> and <a href="https://ugm.ac.id/id/">UGM (Gadjah Mada University)</a>.The Corporate Training Solution program has gained trust from various multi-industry companies. Its primary service, the platform management system, is Kuncie's latest offering for companies to efficiently manage training processes and employee progress. This exclusive program can be personalized by selecting and combining Kuncie's programs into a specially redesigned curriculum. Furthermore, Kuncie provides video production services tailored for massive open online courses (MOOCs) used by several companies as employee learning media. Through Corporate Training Solutions, companies can integrate various flagship programs of Kuncie, ranging from collaborations with SBM ITB (Mini MBA in General Management, Data Analytics, and Political Marketing) and UGM (Human Capital Management) to in-house training programs to enhance both hard and soft skills.As a trusted edutech platform since 2021, Kuncie is committed to continuous innovation in services to achieve its mission of producing more competent professionals in Indonesia. In 2024, Kuncie will focus on integrating its services with Telkomsel's commercial assets, such as Halo+, Ilmupedia, and Indihome. This integration is poised to drive innovative developments contributing to Kuncie's future business growth.Looking ahead, Kuncie plans to introduce more Kuncie Executive classes in collaboration with various prestigious educational institutions in Indonesia, building on the success of the program last year. Additionally, Kuncie will intensify efforts to expand robust business partnerships with more companies in Indonesia, supporting progress across various industries through enhanced potential and productivity of employees.Hendra concluded, “Although the edutech industry is expected to face increasingly complex challenges, we believe edutech still holds a bright future, especially when targeting professional segments. Through various strategic steps and our focus in 2024, we are confident in our ability to survive and thrive this year. These innovations are also undertaken to realize inclusive access to education suitable for various layers of society in Indonesia.”

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Kuncie Thrives in Indonesia's Edutech Landscape

In line with the increasingly dynamic macroeconomic conditions, the <a href="https://economysea.withgoogle.com/report/">e-Conomy SEA 2023 report</a> projects that Indonesia's digital economic growth in 2023 will only reach 8%, significantly lower than the previous year's 20%. The slowdown in the digital economy has triggered massive efficiencies in the digital industry, prompting companies to streamline operations in response. The impact of this phenomenon demands digital talent to become more competitive and develop superior competencies to adapt to the continuously changing industry dynamics. In this context, upskilling and reskilling for digital talent have become crucial to remain relevant in the current digital era. Both are considered strategic steps for digital talent to meet the evolving demands of the industry.<a href="http://indicocompany.com/">INDICO</a>, a subsidiary of <a href="https://www.google.com/aclk?sa=l&amp;ai=DChcSEwjc_s_O7OqCAxXgJoMDHR7ODOEYABAAGgJzZg&amp;ase=2&amp;gclid=Cj0KCQiA35urBhDCARIsAOU7QwkKWy5NjSewpknBaZ_sZoh0HXzqNkt31rCQAUxQXIsTBc9OXuFVDdUaAuKIEALw_wcB&amp;sig=AOD64_3ppXUaDDUJqHzfQhF8IAiRlpNDZw&amp;q&amp;nis=4&amp;adurl&amp;ved=2ahUKEwj3rsnO7OqCAxUIb2wGHUdqDnQQ0Qx6BAgFEAE">Telkomsel</a> and one of Artemis Indonesia's retainer clients, focuses on developing the digital ecosystem in Indonesia. Artemis Indonesia, a prominent consulting firm, has been pleased to support INDICO in navigating the challenges of the industry. The challenging current industry conditions not only demand industry players to stay relevant but also require increasingly competitive digital talent. The digital industry is entering a challenging phase, demanding all players in the digital ecosystem to apply "out of the box" strategies to survive and remain relevant in the industry's dynamics. This situation also impacts digital talent, which is facing intense competition. This competition needs to be balanced with the readiness of digital talent, including enhancing their competencies. This is the focus of one of INDICO's subsidiaries, <a href="https://www.kuncie.com/">Kuncie</a>, an edtech platform."We are optimistic that Kuncie's focus on enhancing the competencies of digital talent in Indonesia can have a significant impact on the development of the digital industry amid the current challenging climate," explained <a href="https://www.linkedin.com/in/andi-kristianto-03622010/">Andi Kristianto</a>, CEO of INDICO, in a recent discussion on the potential of Indonesia's creative industry.The urgency of improving competencies for digital talent has even become a global need. <a href="https://www.capitaleconomics.com/global-economy-outlook?utm_source=google&amp;utm_medium=cpc&amp;utm_name=outlook_leadgen_prospect_glbec_glb_oct2023_q4globaleconomicoutlookutm_term=asia_global_economy&amp;utm_content=responsive&amp;salesforce_campaign_id=7014H0000007QESQA2&amp;gad_source=1&amp;gclid=Cj0KCQiA35urBhDCARIsAOU7QwkHKtYISJtr81q6L9vXDJwURjgY1TsvtbObwsigr7Zc-84CI6s1l0waAgphEALw_wcB">The World Economic Forum's research</a> shows that half of the global workforce needs reskilling and upskilling by 2025 to remain relevant in a work environment continually changing due to technological advancements. The importance of reskilling and upskilling is also evident through progressive government initiatives, such as the Kartu Prakerja program.So, how important are upskilling and reskilling for digital talent? Here are some reasons why they are crucial:<ul><li style="text-align:justify;">Adaptability and Mastery of Relevant Skills: The current industry challenges are increasingly complex, leading to rapid changes in strategies, market focus, or even business models. Through upskilling and reskilling, digital talent can master relevant skills, making it easier to adapt to these changes and ensure they remain valuable to companies.</li><li style="text-align:justify;">Enhanced Competitiveness and Career Advancement: Upskilling and reskilling provide additional competencies for digital talent that others may not possess. This opens the door for digital talent to have better opportunities and enter leadership roles or higher specializations. Digital talent can also enhance their competitiveness in the workplace by acquiring these various competencies.</li><li style="text-align:justify;">Increased Work Productivity and Bridging Skills Gaps in the Industry: Quality digital talent shortages are a common issue in many industries. Therefore, upskilling and reskilling have the potential to increase the productivity of digital talent while filling skill gaps. Talent familiar with the latest tools and technologies can work more efficiently, saving time and improving work output. Additionally, the combination of work productivity and acquired skills is expected to create various innovations and creativity from digital talent.</li></ul>Kuncie, an INDICO portfolio company operating in the edtech sector, believes that upskilling and reskilling are now among the best solutions for digital talent to continue their careers in the technology industry. <a href="https://www.linkedin.com/in/hendrasaputra/?originalSubdomain=id">Hendra Saputra</a>, CEO of Kuncie, said, "In this challenging era, upskilling and reskilling are not just choices but necessities for digital talent. This will help digital talent maintain their relevance in the dynamic job market and open opportunities for them to play an active role in innovation and leadership. Upskilling and reskilling also play a crucial role in creating jobs and expanding employment opportunities, contributing positively to economic growth. In the end, we see upskilling and reskilling as strategic steps to create a conducive industry with digital talent that can continue to grow, adapt, and survive through every change."As an edtech platform, Kuncie offers upskilling and reskilling services to enhance the competencies of digital talent. Supported by experienced mentors and comprehensive curricula from leading universities, Kuncie offers various competency enhancement classes in the digital industry available to the general public as well as corporations and businesses, with short durations and affordable costs. Some of the classes offered include Data Analytics and AI for <a href="https://www.kuncie.com/sbm-itb-ai-for-business/">Business Acceleration</a> by <a href="https://www.sbm.itb.ac.id/">SBM ITB</a>, <a href="https://ugm.ac.id/id/berita/23761-mm-feb-ugm-dan-kuncie-luncurkan-program-executive-human-capital/">Human Capital Management by UGM</a>, <a href="https://www.kuncie.com/ui-transformational-leadership/">Transformational Leadership by FISIP UI</a>, and <a href="https://www.kuncie.com/nyu-innovative-leadership/">Innovative Leadership</a> by <a href="https://www.cgcteam.com/nyu-catalystinnovativeleadership/">NYU-Catalyst</a>.

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INDICO: Empowering Indonesia's Digital Talent with Upskilling

In a powerful demonstration of its commitment to environmental stewardship, <a href="https://www.bca.co.id/">PT Bank Central Asia Tbk. (BCA)</a> recently spearheaded a comprehensive Green Action in <a href="https://maps.app.goo.gl/eQo37oSCSLVA3yNC9">Denbukit, Buleleng, Bali</a>. This transformative project, an integral part of BCA's enduring Corporate Social Responsibility (CSR) program, took the form of a tree-planting endeavor that touched the lives of six villages.Bearing the banner of BCA Talk's financial education program, aptly titled "Investing with Impact: Empowering Youth for Green Indonesia," the Action sought to inspire and involve the next generation. Nestled against the picturesque backdrop of Bedugul, Bali, the program brought together a dynamic mix of students from <a href="https://www.unud.ac.id/">Udayana University Bali</a>, cherished customers, and members of the <a href="https://prioritas.bca.co.id/en/Privilege/BCA-Privilege/BCA-Young-Community">BCA Young Community</a>.More than just a tree-planting ceremony, this Green Action underscored BCA's unwavering commitment to environmental conservation. The event drew notable figures such as <a href="https://www.linkedin.com/in/dwi-irianti-7652a3143/?originalSubdomain=id">Dwi Irianti</a> from <a href="https://www.kemenkeu.go.id/en/home">the Ministry of Finance</a> and I Gusti Ketut Wiguna from the <a href="https://dklh.baliprov.go.id/">Bali Provincial Environment and Forestry Office</a>, reflecting the collaborative spirit of BCA's sustainability efforts. <a href="https://www.linkedin.com/in/hera-f-haryn-aab321b9/">Hera F. Haryn</a>, BCA's EVP of Corporate Communication &amp; Social Responsibility, emphasized the importance of not merely planting trees but choosing species that seamlessly integrate with the unique natural conditions of the region.For over a decade, Bakti BCA has been cultivating a green legacy, with approximately 78,000 trees taking root across Indonesia. This time, in collaboration with partners, the initiative led to the planting of 38,500 Multi-Purpose Tree Species (MPTS) seedlings, each carefully selected for its adaptability to Denbukit's rural forest area. Beyond environmental benefits, these trees are envisioned to be catalysts for economic prosperity within local communities.The Green Action didn't stop at the roots; it extended into the financial landscape, where BCA aimed to connect finance with environmental responsibility. The trend of 57% of individual investors under 30 years old in Indonesia's capital market reflects a growing awareness of the significance of financial planning, coupled with a heightened interest in sustainable and green investments.In the realm of financial innovation, BCA's collaboration with the <a href="https://api-djppr.kemenkeu.go.id/web/api/v1/media/C65110FE-4CAF-4C08-9DF7-E3FEFA1BB61B">Green Sukuk Retail Government Islamic Securities</a> (SBSN) took center stage. This strategic move saw BCA becoming a distribution partner for the Green Sukuk, designed to support environmentally friendly projects aligned with climate change mitigation and the Sustainable Development Goals (SDGs). Indonesia's pioneering position in launching green sukuk globally emphasizes the nation's dedication to sustainable finance.As reservations for the Sukuk Savings Series 011 (ST011) surged to Rp3 trillion, with a notable preference for the 2-year tenor, BCA's involvement showcased not just financial acumen but a deep-seated commitment to Environmental, Social, and Governance (ESG) values. Through initiatives like tree-planting and strategic financial collaborations, BCA is leaving an indelible mark on the landscape of sustainability, proving that green investments can be both environmentally and financially rewarding.

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BCA: Green Planting, Nurturing Sustainable Investments

We are very happy to announce that "<a href="https://www.sociolla.com/promotion/sociolla-beauty-wonderland">Sociolla Beauty Wonderland</a> is back in Jakarta, bringing all the beauty vibes!" This year, we support <a href="https://www.sociolla.com/content/4-about-us">Social Bella</a> - one of our dearest retain clients to bring a blast with tons of surprises, fun stuff, and cool prizes waiting for you at Sociolla Beauty Wonderland. The party kicks off from November 21 to 26, 2023, at Atrium <a href="https://www.kotakasablanka.co.id/">Mall Kota Kasablanka</a>, Jakarta.Imagine this – over 1,200 beauty products and 100+ brands covering everything from makeup and skincare to haircare, body care, and perfumes! Sociolla is going all out to make it a six-day beauty extravaganza.<a href="https://www.linkedin.com/in/cmadiam/">Christopher Madiam</a>, the big boss at Social Bella, says, 'We're throwing the ultimate beauty bash at Sociolla Beauty Wonderland. Bring your crew, fam, and besties to dive into loads of fun activities and snag awesome goodies. From trying out your fave beauty products, shopping like crazy with our Click &amp; Collect feature, to winning epic prizes – we're all about giving you the best beauty shopping experience. We hope this year's Sociolla Beauty Wonderland in 2023 creates some kickass memories for all you beauty enthusiasts.'And here are the deets you gotta know about Sociolla Beauty Wonderland 2023:<ul><li style="text-align:justify;">Score a free trip to South Korea and cool prizes worth up to IDR 2 billion. Yup, shop for IDR 2.4 million, spin the wheel, and you could win big – think round-trip tickets to South Korea, a Samsung Chromebook, bling from Diamond &amp; Co, and more!</li><li style="text-align:justify;">Dive into a sea of top-notch beauty products from over 100 brands. Sociolla's got the exclusive brands just for you, plus testers from big-name brands so you can try before you buy.</li><li style="text-align:justify;">Check out the new Scent Garden for the freshest perfumes. We've got killer deals from Mother of Pearl, HMNS, SAFF &amp; Co, and more. Don't worry, Sociolla's beauty gurus will help you find the perfect scent. Oh, and there are freebies up for grabs with special missions.</li><li style="text-align:justify;">Get ready for some beauty fun! We've got skincare talks, workshops for DIY fragrances, lipstick color explorations, and makeup battles with top-notch makeup artists. And guess what? Games galore for you and your bestie, live shopping sessions, and <a href="https://www.soco.id/">SOCO</a> Experts like <a href="https://www.instagram.com/funskincare/?hl=en">Claudia Christin</a>, <a href="https://www.instagram.com/abelina_md/?hl=en">Dr. Abelina Dini Fitria</a>, <a href="https://www.instagram.com/rey_nathanael13/">Rey Nathanael</a>, and beauty influencers like <a href="https://www.instagram.com/abellyc/">Abel Cantika</a> and <a href="https://www.instagram.com/fauziaahanum/?hl=en">Fauzia Hanum</a>.</li><li style="text-align:justify;">Shop the way you like with the <a href="https://www.soco.id/">Sociolla app</a>. It's your beauty BFF, making the whole experience seamless. Click &amp; Collect your orders at the atrium or go for Shop &amp; Deliver for home delivery – it's hassle-free beauty shopping!</li></ul>So, who's pumped for Sociolla Beauty Wonderland? Check out all the deets on <a href="https://www.instagram.com/sociolla/">Sociolla's Insta</a>."

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Slay Beauty: Sociolla Wonderland 2023 is back in Jakarta!

In the competitive landscape of the banking industry, where trust is paramount, <a href="https://www.bca.co.id/">PT Bank Central Asia Tbk (BCA)</a> has emerged victorious by earning the distinguished title of the "<a href="https://www.newsweek.com/rankings/worlds-most-trustworthy-companies-2023">World’s Most Trustworthy Company</a>." This recognition, bestowed by <a href="https://www.newsweek.com/">Newsweek magazine</a>, signifies not only a remarkable achievement for BCA but also underscores the profound importance of trust in the long-term success of a brand.Trust is a delicate commodity that is cultivated over time through consistent positive experiences and transparent communication. BCA's journey towards becoming the world's most trustworthy company is a testament to its unwavering commitment to these principles.Newsweek, in collaboration with global data research company Statista, meticulously curated the list of the "World’s Most Trustworthy Company." A survey involving 70,000 participants and the collection of 269,000 company evaluation reports from customers, investors, and employees were instrumental in determining this prestigious ranking.<a href="https://www.bca.co.id/en/tentang-bca/korporasi/Manajemen-BCA/profile?p=%7B950D9D40-9883-4014-83F8-FFA416A9C609%7D">Jahja Setiaatmadja</a>, the President Director of BCA, expressed profound gratitude to the loyal customer base that played a pivotal role in securing this accolade. He acknowledged that customer trust is not just a focus for BCA but also a source of strength driving continuous improvement in service quality. Setiaatmadja emphasized that such accolades serve as motivation for BCA to persist in innovation and consistently provide added value to customers.At the heart of BCA's success is its commitment to being "Always by Your Side." This slogan encapsulates BCA's approach to customer service, considering each customer as the focal point of the services offered. The bank's digital innovations are a testament to this commitment, as they are designed to address both current and future customer needs.Integrity, a core value of BCA, is the bedrock upon which trust is built. Emphasizing honesty and openness, BCA has created an environment where customers feel secure in their interactions. This commitment to ethical business practices resonates not only with customers but also with stakeholders, contributing to the bank's standing as the most trustworthy company.The trust in BCA is further reflected in its consistently growing customer base. As of September 2023, the number of customer accounts has experienced an impressive growth of 17.1% YoY, reaching a staggering 38.8 million. This expansion is not merely numerical; it is accompanied by a substantial increase in banking transaction activities. The total transaction volume of BCA has surged by 26.8% YoY, reaching a remarkable 22 billion transactions in the first nine months of 2023. Notably, the mobile banking channel has witnessed the highest transaction volume growth, soaring by 43.4% YoY.Acknowledging the support from the government, regulators, investors, stakeholders, and the tireless efforts of BCA personnel nationwide, Jahja Setiaatmadja concluded with a firm commitment. BCA remains dedicated to innovation, positioning itself as the forefront bank always standing by its customers and contributing significantly to the growth of the national economy.In a world where trust is the currency of lasting success, BCA's journey stands as a beacon, illustrating that a brand's commitment to consistency, transparency, and customer-centric values can propel it to the pinnacle of trustworthiness on a global scale.As Communication Consultant of BCA, we takes immense pride in the bank's recent recognition as the "World’s Most Trustworthy Company" by Newsweek. This achievement is a testament to the collaborative efforts in crafting a communication strategy that aligns with BCA's commitment to transparency and positive customer experiences. We will continue our support to BCA on its journey of innovation and excellence, ensuring that it remains at the forefront of trustworthiness in the global banking landscape.

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BCA: Newsweek's Most Trusted Bank 2023

The Paylater financial services industry in Indonesia has experienced rapid growth in recent times, marked by the emergence of several new players in the sector. This phenomenon confirms that Paylater services have become an effective solution to address the credit access gap in Indonesia, allowing people to easily and quickly obtain financing.One of Artemis Indonesia's clients - <a href="https://www.kredivo.id/">Kredivo</a>, as a pioneer in this industry, has been operating for seven years and is committed to expanding credit access for the public. In the last five years, the number of Kredivo users has increased twentyfold (20x), demonstrating the popularity and success of this service.<a href="https://www.linkedin.com/in/indina-andamari-398233ab/?originalSubdomain=id">Indina Andamari</a>, SVP Marketing &amp; Communications at Kredivo, stated, "Kredivo was founded in 2016 to address the credit access gap and underbanked population in Indonesia. We focus on helping people open their first credit access and build a credit score, becoming a gateway to other financial services." Kredivo has now become a leading Paylater brand with nearly 10 million users and integration with thousands of online and offline merchants in Indonesia.The growth of the Paylater industry is also reinforced by an increase in user contracts by 33.25% YoY nationwide. Paylater's advantage in providing easier access to first-time credit compared to conventional financial institutions is key to its success. Kredivo is optimistic about leading the market with its inclusive and accurate e-KYC process and its presence both online and offline.Easy access to credit in Paylater helps people build credit scores, opening doors to larger credit facilities such as vehicles and mortgages. The 2023 Indonesian e-Commerce Consumer Behavior Report shows that 60% of Paylater users consider it their first credit, reinforcing Paylater's role as a driver of financial inclusion and public welfare.Kredivo, through <a href="https://kredivocorp.com/">Kredivo Group</a>, has undergone four rounds of institutional funding from Seed to Series C in its seven years of operation. More than five leading conventional financial institutions have also channeled credit through Kredivo, demonstrating the financial sector's confidence in this innovative business model.In the future, Kredivo remains committed to strengthening its business fundamentals, expanding, and venturing into other financial services. With the positive growth of the Paylater industry, Kredivo is confident in continuing to play a leading role in the market, maintaining positive growth momentum amid the evolving dynamics of the industry.

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Kredivo Leads Paylater Surge in Indonesia

Last week, we had the privilege of supporting <a href="https://electrum.id/id">Electrum</a>, a leading Indonesian technology company dedicated to building electric vehicle (EV) ecosystem infrastructure, announced the launch of its latest innovation, <a href="">the H5 electric motorcycle</a>. The comprehensive EV ecosystem includes cutting-edge battery technology, Battery Swap Stations (BSS), and digital infrastructure. Crafted by local designers and engineers from Electrum's in-house team, the H5 sets a new standard for convenient, cost-effective, and environmentally friendly travel.Initially, the H5 will be integrated into <a href="https://www.gojek.com/id-id/">Gojek's</a> GoRide Electric service as an extension of the <a href="https://www.gotocompany.com/">GoTo Group</a>'s electric motorcycle pilot project. This move aligns with the Indonesian Government's ambitious mission of achieving net-zero emissions by 2060.In collaboration with <a href="https://www.gotocompany.com/">PT GoTo Gojek Tokopedia Tbk</a> and <a href="https://www.tbsenergi.com/">PT TBS Energi Utama Tbk</a>, Electrum plans to expand the Battery Swap Station network to over 40 strategic locations across Jakarta, including convenience stores, workshops, bank branches, and gas stations. The company also announced a partnership with <a href="https://mypertamina.id/spbu">Pertamina</a> to expand battery exchange locations, aiming to have them available at every Pertamina gas station.<a href="https://www.linkedin.com/in/jackyujieyang/?original_referer=https%3A%2F%2Fwww%2Egoogle%2Ecom%2F&amp;originalSubdomain=id">Jack Yang</a>, Electrum CEO, expressed his enthusiasm, stating, "Today we achieved the first milestone of Electrum's product through H5, which is fully tailored to suit Indonesian roads. The launch of this motorcycle, along with the expansion of BSS, reinforces our commitment to building a comprehensive electric motorcycle ecosystem."Designed with key advantages in mind, including high performance, low maintenance costs, and ergonomic comfort, the H5 addresses the daily mobility needs of Indonesians. Notable designers and engineers behind the H5 include <a href="https://www.linkedin.com/in/rayhan-arifinsyah-b35924203/?originalSubdomain=id">Muhammad Rayhan Arifinsyah</a> and <a href="https://www.linkedin.com/in/yuditya-pratamaputra-306905229/?trk=public_profile_browsemap&amp;original_referer=https%3A%2F%2Fwww%2Egoogle%2Ecom%2F&amp;originalSubdomain=id">Yuditya Pratamaputra</a>, both of whom have been with Electrum since 2022.<a href="https://id.wikipedia.org/wiki/Pandu_Patria_Sjahrir">Pandu Patria Sjahrir</a>, Electrum Chairman, emphasized the company's holistic approach to EV infrastructure. "Today's launch of H5 is an important milestone in driving our entire ecosystem. Together with our partners, stakeholders, and users, Electrum continues to deliver innovations that are environmentally responsible, economically viable, and socially beneficial."To support the expansion of their rider base, Electrum aims to establish 150 Battery Swap Station locations by the end of the year. By the end of October 2023, Electrum had already covered an impressive 14 million kilometers.In a joint effort with Gojek, Electrum plans to gradually introduce 500 H5 motorcycles to the GoRide Electric service. The pilot expansion includes a daily rental scheme for driver-partners, allowing them to rent the motor with one or two batteries based on their needs.<a href="https://www.linkedin.com/in/nafi-achmad-sentausa-98a3a741/?original_referer=https%3A%2F%2Fwww%2Egoogle%2Ecom%2F&amp;originalSubdomain=id">Nafi Achmad Sentausa</a>, TBS SVP Corporate Strategy &amp; Investor Relations, highlighted the strategic importance of the Electrum H5 in achieving carbon neutrality by 2030. "This achievement is not only a significant milestone for TBS in driving responsible energy transition but also a tangible proof of our commitment to implementing innovative solutions to reduce our carbon footprint while adding value to society and the environment."<a href="https://www.linkedin.com/in/tanahsullivan/?originalSubdomain=id">Tanah Sullivan</a>, GoTo Group Head of Sustainability, expressed confidence in the H5 as a convenient, affordable, and eco-friendly mobility option, stating, "We are excited to introduce the H5 motorcycle as the newest addition to our GoRide Electric service. This service expansion allows us to reach a wider customer base."Active Gojek partners in the Jakarta area can register for the rental program in the initial phase, with Electrum verifying potential renters through GoPartner, Gojek's driver-partner application, and official identification. The company's Customer Service team will then arrange a test drive for qualified partners.

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