Opportunities in Indonesia’s Financial Technology Sector - Indonesia Guide

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ul li:not(:hover) .submenu-container { /* transition-delay: 0s; */ opacity: 0; visibility: hidden; max-height: 0; overflow:hidden; } .briefing-news .posts .news-content h3 a {color:#252525 !important;} .menu-list#menu-list .no-event{ pointer-events:unset; } .highlightbox { padding: 20px; margin-bottom: 20px; border-radius: 3px; background: #f4f4ff !important; } .highlightbox p:last-child{margin-bottom: 0;} .highlightbox .btn{border:1px solid #2d3790;} .highlightbox p:empty {display: none;} /* Popup */ .msf_hide { display: none; } .msf_show { display: block; animation: fade-in 1s; } .dropdown #abSitesDropdown ul li a span:before{border-radius:unset !important;box-shadow:unset !important;} /* General setup */ #menu-list .menu-column.v2 {padding-bottom: 0 !important; } #menu-list .multilevel,#menu-list .multilevel_across_asean { display: flex; min-height: 300px; margin-top: 1rem; } #menu-list .multilevel .level1 ul, #menu-list .multilevel .level2 ul { margin-top: 0 !important; } #menu-list .multilevel .level1 ul.hide, #menu-list .multilevel .level2 ul.hide, #menu-list .multilevel .level3 .hide { display: none !important; } #menu-list .multilevel .level1 ul li a:before, #menu-list .multilevel .level2 ul li a:before, #menu-list .multilevel .level3 ul li a:before { content: "" !important; display: none !important; } /* #menu-list .multilevel .level2 ul { width: 85%; } */ #menu-list .multilevel .level1 a, #menu-list .multilevel .level2 a { color: #696969 !important; display: inline !important; font-size: 15px; } #menu-list .multilevel ul li:hover { background-color: transparent !important; } #menu-list .multilevel ul li:hover a, #menu-list .multilevel a:hover { color: #f0665e; background-color: transparent !important; } #menu-list .multilevel .level1 li, #menu-list .multilevel .level2 li { width: 100%; list-style: none; margin-bottom: 1rem; } /* Container background */ .submenu-container .section-wrapper .bg-after { content: ""; display: block; position: absolute; top: 0; left: -51%; width: 86.8%; height: 100%; z-index: -1; display: flex; } .submenu-container .section-wrapper .bg-after > div { display: block; } .submenu-container .section-wrapper .bg-after div.mm_center { width: 80%; height: 100%; } .submenu-container .section-wrapper .bg-after div.mm_left, .submenu-container .section-wrapper .bg-after div.mm_left img, .submenu-container .section-wrapper .bg-after div.mm_right, .submenu-container .section-wrapper .bg-after div.mm_right img { width: 32px !important; height: 100% !important; } .submenu-container .section-wrapper .bg-after .no_shadow { background: #FFF7F7; } /* Level 1 Design */ #menu-list .multilevel .level1 { width: 23%; } #menu-list .multilevel .level1 ul { margin-left: 0} #menu-list .multilevel .level1 li{margin-right:.5rem;font-size: 15px;} #menu-list .multilevel .level1 li:first-child { color: #252525 !important; margin-bottom: 1rem !important; font-size: 15px; } #menu-list .multilevel .level1 li:first-child::after{display: none;} #menu-list .multilevel .level1 li:hover a, #menu-list .multilevel .level1 li.mm_active a, #menu-list .multilevel .level2 li.mm_active a { color: #f0665e !important; background-color: transparent; display: inline !important; } #menu-list .multilevel .level1 li::after, #menu-list .multilevel .level2 li::after { display: inline; content: '▸'; transform: translateX(0); padding-left: 6px; color: #f0665e !important; visibility:hidden; } #menu-list .multilevel .level1 li.mm_active::after, #menu-list .multilevel .level2 li.mm_active::after { visibility: visible; } /* multilevel_across_asean */ #menu-list .multilevel_across_asean{margin-top:2rem;} #menu-list .multilevel_across_asean .asean_level1{width:30%;min-width: 300px;} #menu-list .multilevel_across_asean .asean_level1 li, #menu-list .multilevel_across_asean .asean_level2 li { width: 100%; list-style: none; margin-bottom: 1rem; } #menu-list .multilevel_across_asean .asean_level1 ul{list-style: none;} #menu-list 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#menu-list .multilevel_across_asean .asean_level2 ul.two-column-news-list li{width: 44% !important;} #menu-list .multilevel_across_asean .asean_level2 ul.two-column-news-list li .top-news-block{margin-bottom: 0 !important;} #menu-list .multilevel_across_asean .asean_level2 ul.two-column-news-list .guides-title-level2{display: none;} #push-menu-list .menu-column p:empty{display: none;} #push-menu-list .menu-column .asean_level1{display: none;} #push-menu-list .menu-column .asean_level2{display: block;} #push-menu-list .menu-column .asean_level2 .two-column-news-list.hide{display: block;opacity: 1;visibility: visible;margin-top:2rem;} #push-menu-list .menu-column .asean_level2 .two-column-news-list .guides-title-level2 a{font-weight: bold;color:#2d3790;} #push-menu-list .menu-column .asean_level2 .two-column-news-list .category{display: none;} .menu-list.desktop-m .top-news-content h3{margin-bottom:10px;padding-left:10px;} .menu-list.desktop-m li .submenu-container .menu-column .mega-menu-news .top-news-content h3{padding-left:0;} #push-menu-list .section-wrapper{padding-left:15px;} /* Level 2 Design */ #menu-list .multilevel .level2 { width: 30%; padding-left: 3rem;margin-right: 3rem; } #menu-list .multilevel .level2 li:first-child { color: #252525 !important; font-size: 15px;} #menu-list .multilevel .level2 li:first-child::after{display: none;} #menu-list .multilevel .level2 .guides-title-level2 { color: black !important; } /* Level 3 Design */ #menu-list .multilevel .level3 { width: 48%; padding-left: 1rem; } .multilevel .level3 .posts { display: flex; width: 100%; } .multilevel .level3 .posts .news-content { padding: 0; text-align: left; width: 60%; } .multilevel .level3 .posts .news-content h3 { padding: 0 !important; margin: 0 !important; font-family: Arial, Helvetica, sans-serif;font-size: 16px;line-height: 22px; } .multilevel .level3 .posts .news-content h3 a { color: black !important; padding: 0 !important; font-family: Arial, Helvetica, sans-serif; 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Our experts regularly host webinars, seminar and other events that provide an in-dept exploration of various important subjects that would be of interest to investors in Indonesia.","thumb_image":"https:\/\/www.aseanbriefing.com\/assets\/images\/country-guides\/investor-tools\/quick-resources\/Find-webinars-on-demand_thumb.jpg","slug":"https:\/\/www.dezshira.com\/library\/search?location=72&type=multimedia"},"06":{"id":"06","title":"Find Reports and Publications","teaser":"Our Asia Briefing Publication Store is home to business magazines and guides for Indonesia, covering key aspects of doing business in the country. In our publications, we harness the on-the-ground insights provided by our team of researchers, editors, and experts to provide holistic solutions and practical business intelligence for investors.","thumb_image":"https:\/\/www.aseanbriefing.com\/assets\/images\/country-guides\/investor-tools\/quick-resources\/Find-reports-and-publications_thumb.jpg","slug":"https:\/\/www.asiabriefing.com\/store\/search?location=72&page=1"},"07":{"id":"07","title":"ASEAN Briefing News","teaser":"ASEAN Briefing provides unique business intelligence to foreign investors interested in or operating in Singapore. We provide regulatory updates, analysis and commentary on today\'s on-the-ground issues concerning foreign investors, with numerous daily online updates, regular magazines, as well as technical legal and tax guides to doing business in each of these markets.","thumb_image":"https:\/\/www.aseanbriefing.com\/assets\/images\/country-guides\/investor-tools\/quick-resources\/ASEAN-Briefing-News_thumb.jpg","slug":"https:\/\/www.aseanbriefing.com\/"},"08":{"id":"08","title":"Search all Resources","teaser":"Search ASEAN Briefing Resources","thumb_image":"https:\/\/www.aseanbriefing.com\/assets\/images\/country-guides\/investor-tools\/quick-resources\/Search-all-resources_thumb.jpg","slug":"\/search"},"09":{"id":"09","title":"What are Indonesia\u2019s Latest Guidelines on International Travel?","teaser":"Indonesia has now allowed vaccinated travelers to enter the country. Quarantine is no longer required for those who are fully vaccinated.","thumb_image":"https:\/\/www.aseanbriefing.com\/news\/wp-content\/uploads\/2021\/01\/Indonesia-temporarily-restricts-the-entry-of-foreign-visitors.jpg","slug":"https:\/\/www.aseanbriefing.com\/news\/what-are-indonesias-latest-guidelines-on-international-travel\/"},"688":{"id":"688","title":"List of Banks in Indonesia 2024","title_dynamic":"List of Banks in Indonesia","title_secondary":"List of Banks in Indonesia","title_medium":"List of Banks in Indonesia","teaser":"Discover a curated list of commercial banks in Indonesia, essential for supporting the establishment and operation of your business in the region.","thumb_image":"countryguide\/Indonesia\/List-of-major-banks-in-Indonesia_Thumb.jpg","slug":"indonesia\/tools\/list-of-banks-in-indonesia-2023"},"687":{"id":"687","title":"List of Government Agencies Website List That Help Businesses in Indonesia","title_dynamic":"List of Government Agencies Website List ","title_secondary":"List of Government Agencies Website List ","title_medium":"List of Government Agencies Website List ","teaser":"Learn more about the pivotal role of Indonesian government agencies in fostering growth, from investment facilitation to legal frameworks, in our guide.","thumb_image":"countryguide\/Indonesia\/List-of-Government-Agencies-Website-List-That-Help-Businesses-in-Indonesia_Thumb.jpg","slug":"indonesia\/tools\/list-of-government-agencies-website-list-that-help-businesses-in-indonesia"},"676":{"id":"676","title":"List of International Chamber of Commerce in Indonesia Guide","title_dynamic":"List of International Chamber of Commerce","title_secondary":"List of International Chamber of Commerce","title_medium":"List of International Chamber of Commerce","teaser":"Explore our comprehensive guide to the International Chambers of Commerce list in Indonesia, facilitating global business connections and boosting trade.","thumb_image":"countryguide\/Indonesia\/List-of-International-Chamber-of-Commerce-in-Indonesia_Thumb.jpg","slug":"indonesia\/tools\/list-of-international-chamber-of-commerce-in-indonesia-guide"},"1":{"id":"1","title":"Why Invest in Indonesia","title_dynamic":"Why Invest in Indonesia","title_secondary":"Why Invest in Indonesia","title_medium":"Why Invest in Indonesia","teaser":"Indonesia\'s economy thrives with diverse sectors - powered by robust tourism, commodities, and a resilient workforce - fostering growth and development. Read more about why investors choose Indonesia.","thumb_image":"countryguide\/Indonesia\/Why-invest-in-Indonesia_thumb.jpg","slug":"indonesia\/why-indonesia"},"350":{"id":"350","title":"Economic Indicators and Indonesia\'s GDP, FDI, and Trade Trends","title_dynamic":"Economic Indicators, FDI, and Trade Trends","title_secondary":"Economic Indicators, FDI, and Trade Trends","title_medium":"Economic Indicators, FDI, and Trade Trends","teaser":"Find Indonesia\'s economic data at-a-glance. We provide a breakdown of foreign direct investment flows, Gross Domestic Product, as well as trade and investment trends with forecasts for the country. ","thumb_image":"countryguide\/Indonesia\/thumbnail_3.jpg","slug":"indonesia\/why-indonesia\/indonesia-economy"},"271":{"id":"271","title":"Why Foreign Companies Relocate to Indonesia?","title_dynamic":"Why Foreign Companies Relocate to Indonesia","title_secondary":"Why Foreign Companies Relocate to Indonesia","title_medium":"Why Foreign Companies Relocate to Indonesia","teaser":"Indonesia offers a wide variety of favourable business characteristics. 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Strategically located in the archipelago, Jakarta serves as the gateway to the rest of the country. In this article, we the city\'s key industr","thumb_image":"countryguide\/Indonesia\/Investing-in-Jakarta_thumb.jpg","slug":"indonesia\/where-to-invest\/city-spotlight-investing-in-jakarta"},"516":{"id":"516","title":"Indonesia Considers an SEZ on Natuna: Investment Prospects, Challenges","title_dynamic":"Natuna: Investment Prospects and Challenges","title_secondary":"Natuna SEZ","title_medium":"Natuna: Investment Prospects and Challenges","teaser":"The Indonesian government is mulling the prospect of turning the Natuna Regency into a special economic zone.","thumb_image":"countryguide\/Indonesia\/IndonesiaGCOs-Batam-Receives-Two-New-Special-Economic-Zones_thumb.jpg","slug":"indonesia\/where-to-invest\/indonesia-considers-an-sez-on-natuna-investment-prospects-challenges"},"334":{"id":"334","title":"Indonesia\u2019s Batam Receives Two New Special Economic Zones","title_dynamic":"Special Economic Zones in Batam","title_secondary":"Batam SEZ ","title_medium":"Special Economic Zones in Batam","teaser":"Indonesia is set to open two new special economic zones in the island city of Batam with the aim to develop the digital economy, data centers, logistics, tourism, and aviation industries. ","thumb_image":"countryguide\/Indonesia\/Types-of-Business-in-Indonesia_thumb_1.jpg","slug":"indonesia\/where-to-invest\/indonesia-s-batam-receives-two-new-special-economic-zones"},"781":{"id":"781","title":"Setting Up a Business in Nusantara, Indonesia: Investor Requirements, Tax Benefits","title_dynamic":"Setting Up a Business in Nusantara","title_secondary":"Setting Up a Business in Nusantara","title_medium":"Setting Up a Business in Nusantara","teaser":"We discuss Indonesia\u2019s corporate establishment requirements and tax benefits for investors in Nusantara, the new capital city.","thumb_image":"countryguide\/Indonesia\/Setting-Up-a-Business-in-Nusantara-Indonesia-Investor-Requirements-Tax-Benefits_thumb.jpg","slug":"indonesia\/where-to-invest\/setting-up-a-business-in-nusantara-indonesia-investor-requirements-tax-benefits"},"587":{"id":"587","title":"Indonesia\u2019s Positive Investment List: Sectors Open and Restricted to Foreign Businesses","title_dynamic":"Positive Investment List: Foreign Investment Prospects","title_secondary":"Positive Investment List: Foreign Investment Prospects","title_medium":"Positive Investment List: Foreign Investment Prospects","teaser":"Indonesia\'s Positive Investment List allows 100% foreign investment in over 200 business lines, with several incentives for priority sectors.","thumb_image":"countryguide\/Indonesia\/IndonesiaGCOs-Positive-Investment-List-Sectors-Open-and-Restricted-to-Foreign-Businesses_thumb.jpg","slug":"indonesia\/sector-insights\/indonesia-s-positive-investment-list-sectors-open-and-restricted-to-foreign-businesses"},"349":{"id":"349","title":"Sector Insights","title_dynamic":"Sector Insights","title_secondary":"Sector Insights","title_medium":"Sector Insights","teaser":"Indonesia offers investors low wage costs, an increasingly attractive investment climate, a huge domestic market, and access to other ASEAN markets. However, which sectors investors should focus on may be a challenging question to answer. ","thumb_image":"countryguide\/Indonesia\/thumb_27.jpg","slug":"indonesia\/sector-insights"},"582":{"id":"582","title":"Indonesia\u2019s Top Sectors to Watch ","title_dynamic":"Top Sectors to Watch","title_secondary":"Top Sectors to Watch","title_medium":"Top Sectors to Watch","teaser":"Foreign investors should note the key sectors where growth is expected to rise in Indonesia for 2023, including downstream mining and infrastructure.","thumb_image":"countryguide\/Indonesia\/IndonesiaGCOs-Top-Sectors-to-Watch-for-in-2023_thumb.jpg","slug":"indonesia\/sector-insights\/indonesia-s-top-sectors-to-watch-for-in-2023"},"345":{"id":"345","title":"Indonesia\u2019s Omnibus Law Looks to Support the Aviation Industry","title_dynamic":"Aviation: Foreign Investment Prospects","title_secondary":"Aviation: Foreign Investment Prospects","title_medium":"Aviation: Foreign Investment Prospects","teaser":"Indonesia\u2019s GR 32\/2021, an implementing regulation of the Omnibus Law, aims to support the recent liberalization of Indonesia\u2019s aviation industry. ","thumb_image":"countryguide\/Indonesia\/thumb_28.jpg","slug":"indonesia\/sector-insights\/indonesia-s-omnibus-law-looks-to-support-the-aviation-industry"},"343":{"id":"343","title":"Indonesia\u2019s Manufacturing Sector: Practical Information for Investors","title_dynamic":"Manufacturing Sector: Investing in Indonesia","title_secondary":"Manufacturing Sector: Investing in Indonesia","title_medium":"Manufacturing Sector: Investing in Indonesia","teaser":"We discuss the regional distribution of Indonesia\u2019s manufacturing activities to help foreign investors choose the ideal location to set up.","thumb_image":"countryguide\/Indonesia\/thumb_35.jpg","slug":"indonesia\/sector-insights\/indonesia-s-manufacturing-sector-practical-information-for-investors"},"347":{"id":"347","title":"Indonesia\u2019s Textile and Garment Industry: Opportunities for Foreign Investors","title_dynamic":"Textile and Garment: Investing in Indonesia","title_secondary":"Textile and Garment: Investing in Indonesia","title_medium":"Textile and Garment: Investing in Indonesia","teaser":"Why Indonesia\u2019s textile and garment industry presents new growth opportunities for foreign investors.","thumb_image":"countryguide\/Indonesia\/thumb_39.jpg","slug":"indonesia\/sector-insights\/indonesia-s-textile-and-garment-industry-opportunities-for-foreign-investors"},"585":{"id":"585","title":"An Overview of Indonesia\u2019s Geothermal Energy Sector","title_dynamic":"Geothermal Energy: Investing in Indonesia","title_secondary":"Geothermal Energy: Investing in Indonesia","title_medium":"Geothermal Energy: Investing in Indonesia","teaser":"Indonesia is home to some 40 percent of the world\u2019s geothermal resources, and the sector will be key to the country\u2019s energy sustainability goals.","thumb_image":"countryguide\/Indonesia\/An-Overview-of-IndonesiaGCOs-Geothermal-Energy-Sector_thumb.jpg","slug":"indonesia\/sector-insights\/an-overview-of-indonesia-s-geothermal-energy-sector"},"589":{"id":"589","title":"Indonesia\u2019s Just Energy Transition Partnership: Impacts for the Green Economy","title_dynamic":"Green Economy: Foreign Investment Prospects","title_secondary":"Green Economy: Foreign Investment Prospects","title_medium":"Green Economy: Foreign Investment Prospects","teaser":"The Just Energy Transition Partnership (JETP) calls for renewable energy to comprise 34 percent of Indonesia\u2019s power generation by 2030. ","thumb_image":"countryguide\/Indonesia\/IndonesiaGCOs-Just-Energy-Transition-Partnership-Impacts-for-the-Green-Economy_thumb.jpg","slug":"indonesia\/sector-insights\/indonesia-s-just-energy-transition-partnership-impacts-for-the-green-economy"},"336":{"id":"336","title":"Indonesia\u2019s Postal, Telecommunications, and Broadcasting Sectors","title_dynamic":"Postal, Telecommunications, and Broadcasting: Investing in Indonesia","title_secondary":"Postal, Telecommunications, and Broadcasting: Investing in Indonesia","title_medium":"Postal, Telecommunications, and Broadcasting: Investing in Indonesia","teaser":"Indonesia\u2019s Omnibus Law provides new provisions for the postal, telecommunications, and broadcasting industries.","thumb_image":"countryguide\/Indonesia\/thumb_37.jpg","slug":"indonesia\/sector-insights\/new-provisions-for-indonesia-s-postal-telecommunications-and-broadcasting-sectors-under-the-omnibus-law"},"339":{"id":"339","title":"Indonesia\u2019s Omnibus Law: New Provisions for the Shipping Sector","title_dynamic":"Shipping: Foreign Investment Prospects","title_secondary":"Shipping: Foreign Investment Prospects","title_medium":"Shipping: Foreign Investment Prospects","teaser":"Indonesia issued Government Regulation 31 of 2021 which amends several aspects of the country\u2019s shipping law. ","thumb_image":"countryguide\/Indonesia\/thumb_38.jpg","slug":"indonesia\/sector-insights\/indonesia-s-omnibus-law-new-provisions-for-the-shipping-sector"},"586":{"id":"586","title":"Indonesia to Ban Bauxite Export from June 2023: An Explainer","title_dynamic":"Bauxite Export Ban: Foreign Investment Prospects","title_secondary":"Bauxite Export Ban: Foreign Investment Prospects","title_medium":"Bauxite Export Ban: Foreign Investment Prospects","teaser":"Indonesia will impose a bauxite export ban starting from June 2023, in a move to shore up the domestic processing of its mineral resources.","thumb_image":"countryguide\/Indonesia\/Indonesia-to-Ban-Bauxite-Export-from-June-2023-An-Explainer-thumb.jpg","slug":"indonesia\/sector-insights\/indonesia-to-ban-bauxite-export-from-june-2023-an-explainer"},"583":{"id":"583","title":"How to Obtain Tax Incentives for Investments in Indonesia\u2019s Marine and Fisheries Sectors","title_dynamic":"Marine and Fisheries Sectors: Foreign Investment Prospects","title_secondary":"Marine and Fisheries Sectors: Foreign Investment Prospects","title_medium":"Marine and Fisheries Sectors: Foreign Investment Prospects","teaser":"Indonesia offers a variety of income tax incentives for investors that invest in its marine and fisheries industries. Here are the criteria.","thumb_image":"countryguide\/Indonesia\/How-to-Obtain-Tax-Incentives-for-Investments-in-IndonesiaGCOs-Marine-and-Fisheries-Sectors_thumb.jpg","slug":"indonesia\/sector-insights\/how-to-obtain-tax-incentives-for-investments-in-indonesia-s-marine-and-fisheries-sectors"},"344":{"id":"344","title":"Indonesia Bans the Export of Palm Oil, Impacting Global Food Prices","title_dynamic":"Palm Oil Export: Foreign Investment Prospects","title_secondary":"Palm Oil Export: Foreign Investment Prospects","title_medium":"Palm Oil Export: Foreign Investment Prospects","teaser":"As of April 28, 2022, Indonesia has begun a complete ban on palm oil exports, a move that could threaten global food prices.","thumb_image":"countryguide\/Indonesia\/thumb_36.jpg","slug":"indonesia\/sector-insights\/indonesia-bans-the-export-of-palm-oil-impacting-global-food-prices"},"584":{"id":"584","title":"How American Fast-Food Chains Have Succeeded in Indonesia","title_dynamic":"Food and Beverage: Investing in Indonesia","title_secondary":"Food and Beverage: Investing in Indonesia","title_medium":"Food and Beverage: Investing in Indonesia","teaser":"American fast-food giants have grown into the Indonesian market by using culturally appropriate programs and tailoring their foods to engage and suit the tastes of the local population.","thumb_image":"countryguide\/Indonesia\/How-American-Fast-Food-Chains-Have-Succeeded-in-Indonesia_thumb.jpg","slug":"indonesia\/sector-insights\/how-american-fast-food-chains-have-succeeded-in-indonesia"},"337":{"id":"337","title":"Indonesia\u2019s New Provisions for the Construction Sector Under Omnibus Law","title_dynamic":"Construction: Foreign Investment Prospects","title_secondary":"Construction: Foreign Investment Prospects","title_medium":"Construction: Foreign Investment Prospects","teaser":"GR 14\/2021 revises several provisions of Indonesia\u2019s Construction Law of 2007. These include simplifying the business licensing process and the obligation of technology transfer by qualified foreign construction workers.","thumb_image":"countryguide\/Indonesia\/thumb_29.jpg","slug":"indonesia\/sector-insights\/indonesia-s-new-provisions-for-the-construction-sector-under-omnibus-law"},"341":{"id":"341","title":"Opportunities in Indonesia\u2019s Financial Technology Sector","title_dynamic":"Financial Technology: Investing in Indonesia","title_secondary":"Financial Technology: Investing in Indonesia","title_medium":"Financial Technology: Investing in Indonesia","teaser":"Indonesia\u2019s fintech industry is one of the most competitive and dynamic in ASEAN. The country is home to 20 percent of all fintech companies in the Southeast Asian bloc.","thumb_image":"countryguide\/Indonesia\/thumb_31.jpg","slug":"indonesia\/sector-insights\/opportunities-in-indonesia-s-financial-technology-sector"},"588":{"id":"588","title":"Increased Oversight in Indonesia\u2019s Peer-to-Peer Lending Sector","title_dynamic":"Peer-to-Peer Lending: Challenges and Opportunities","title_secondary":"Peer-to-Peer Lending: Challenges and Opportunities","title_medium":"Peer-to-Peer Lending: Challenges and Opportunities","teaser":"Indonesia has increased oversight in its peer-to-peer lending sector through OJK Regulation POJK10\/2022. The regulation increases the minimum capital and equity requirements for P2P lenders and sets out a more efficient licensing procedure.","thumb_image":"countryguide\/Indonesia\/Indonesia-and-Thailand-Implement-QR-Payment-Linkage-Key-to-Increasing-Digital-Integration-in-Southeast-Asia_thumb.jpg","slug":"indonesia\/sector-insights\/increased-oversight-in-indonesia-s-peer-to-peer-lending-sector"},"340":{"id":"340","title":"Indonesia\u2019s Omnibus Law: New Provisions on Indonesia\u2019s Trade Sector","title_dynamic":"Trade: Foreign Investment Prospects","title_secondary":"Trade: Foreign Investment Prospects","title_medium":"Trade: Foreign Investment Prospects","teaser":"Indonesia\'s Regulation 29 of 2021 makes changes on issues of trade, particularly in areas such as the distribution of goods, exports, and imports.","thumb_image":"countryguide\/Indonesia\/thumb_40.jpg","slug":"indonesia\/sector-insights\/indonesia-s-omnibus-law-new-provisions-on-indonesia-s-trade-sector"},"342":{"id":"342","title":"Indonesia Issues Implementing Regulation for E-commerce Sector: Key Features","title_dynamic":"E-commerce: Foreign Investment Prospects","title_secondary":"E-commerce: Foreign Investment Prospects","title_medium":"E-commerce: Foreign Investment Prospects","teaser":"In May 2020, Indonesia issued Regulation 50 of 2020, which is an implementing regulation for the country\u2019s Law on E-commerce.","thumb_image":"countryguide\/Indonesia\/thumb_30.jpg","slug":"indonesia\/sector-insights\/indonesia-issues-implementing-regulation-for-e-commerce-sector-key-features"},"444":{"id":"444","title":"Opportunities in Indonesia\u2019s Internet of Things Sector","title_dynamic":"Internet of Things: Investing in Indonesia","title_secondary":"Internet of Things: Investing in Indonesia","title_medium":"Internet of Things: Investing in Indonesia","teaser":"Indonesia\u2019s Internet of Things market is expected to reach US$30 billion by 2022. Its impact can enhance industrial productivity and reduce operational costs.","thumb_image":"countryguide\/Indonesia\/Opportunities-in-IndonesiaGCOs-Internet-of-Things-Sector_thumb.jpg","slug":"indonesia\/sector-insights\/opportunities-in-indonesia-s-internet-of-things-sector"},"346":{"id":"346","title":"Indonesia\u2019s Healthcare Industry: Growing Opportunities for Foreign Investors","title_dynamic":"Healthcare: Investing in Indonesia","title_secondary":"Healthcare: Investing in Indonesia","title_medium":"Healthcare: Investing in Indonesia","teaser":"Indonesia\u2019s healthcare industry presents a lucrative investment opportunity for foreign investors given its large market size.","thumb_image":"countryguide\/Indonesia\/thumb_32.jpg","slug":"indonesia\/sector-insights\/indonesia-s-healthcare-industry-growing-opportunities-for-foreign-investors"},"338":{"id":"338","title":"New Regulation Opens Up Foreign Investment Opportunities in Indonesia\u2019s Hospital Sector","title_dynamic":"Hospital: Foreign Investment Prospects","title_secondary":"Hospital: Foreign Investment Prospects","title_medium":"Hospital: Foreign Investment Prospects","teaser":"Indonesia\u2019s hospital sector is now open to 100 percent foreign investment thanks to the Omnibus Law.","thumb_image":"countryguide\/Indonesia\/thumb_33.jpg","slug":"indonesia\/sector-insights\/new-regulation-opens-up-foreign-investment-opportunities-in-indonesia-s-hospital-sector"},"7":{"id":"7","title":"Setting Up a Business","title_dynamic":"Setting Up a Business","title_secondary":"Setting Up a Business","title_medium":"Setting Up a Business","teaser":"Learn key considerations when setting up a business in Indonesia, how to set up a representative office or PTPMA, how to open a bank account, or even how to close a business in the country. ","thumb_image":"countryguide\/Indonesia\/thumb.jpg","slug":"indonesia\/company-establishment"},"8":{"id":"8","title":"Types of Business in Indonesia","title_dynamic":"Types of Business","title_secondary":"Types of Business","title_medium":"Types of Business","teaser":"Foreign investors in Indonesia need to set up an entity in order to conduct business. They can do this by establishing a foreign investment company (PT PMA) or a representative office (RO). Find information about the two corporate structures and requirements for set up in this section.","thumb_image":"countryguide\/Indonesia\/Types-of-Business-in-Indonesia_thumb.jpg","slug":"indonesia\/company-establishment\/what-are-my-option-for-investment"},"269":{"id":"269","title":"Representative Office vs Foreign Limited Liability Company (PT PMA) in Indonesia ","title_dynamic":"Comparison of Entity Types","title_secondary":"Comparison of Entity Types","title_medium":"Comparison of Entity Types","teaser":"At-a-glance: A comparison of various entity types in Indonesia, the pros and cons, set up requirements and more.","thumb_image":"countryguide\/Indonesia\/Representative-Office-vs-Foreign-Limited-Liability-Company-PT-PMA-in-Indonesia_thumb.jpg","slug":"indonesia\/company-establishment\/representative-office-vs-foreign-limited-liability-company-pt-pma-in-indonesia"},"10":{"id":"10","title":"Exploring Opportunities in Indonesia without an Entity","title_dynamic":"Doing Business Without an Entity","title_secondary":"Doing Business Without an Entity","title_medium":"Doing Business Without an Entity","teaser":"Understand Global staffing solutions and Profeesional Employer Organizations as well as how businesses can leverage them. ","thumb_image":"countryguide\/Indonesia\/thumb_5.jpg","slug":"indonesia\/company-establishment\/peo-setup-without-an-office"},"777":{"id":"777","title":"Complete Guide to Business Registration Number in Indonesia ","title_dynamic":"Business Registration Number","title_secondary":"Business Registration Number","title_medium":"Business Registration Number","teaser":"Discover the essentials of obtaining a Business Registration Number in Indonesia with our in-depth guide. Learn about different business entities, the full registration process, costs, compliance, and regional specifics. Equip yourself for success in Indonesia\'s business landscape.","thumb_image":"countryguide\/Indonesia\/Business-Registration-Number-in-Indonesia_thumb.jpg","slug":"indonesia\/company-establishment\/business-registration-number-in-indonesia"},"11":{"id":"11","title":"How to Open a Bank Account in Indonesia? ","title_dynamic":"Opening a Bank Account","title_secondary":"Opening a Bank Account","title_medium":"Opening a Bank Account","teaser":"Learn how businesses can open a bank account in Indonesia.","thumb_image":"countryguide\/Indonesia\/How-to-Open-a-Bank-Account-in-Indonesia_thumb_1.jpg","slug":"indonesia\/company-establishment\/opening-a-bank-account"},"13":{"id":"13","title":"Intellectual Property Protection in Indonesia","title_dynamic":"Intellectual Property Protection","title_secondary":"Intellectual Property Protection","title_medium":"Intellectual Property Protection","teaser":"Discover how to safeguard your intellectual property - trademarks, patents, and copyrights - effectively within the Indonesian context.","thumb_image":"countryguide\/Indonesia\/Intellectual-Property-Protection_thumb.jpg","slug":"indonesia\/company-establishment\/intellectual-property-protection"},"27":{"id":"27","title":"Employment and Labor Laws in Indonesia","title_dynamic":"Employment and Labor Laws","title_secondary":"Employment and Labor Laws","title_medium":"Employment and Labor Laws","teaser":"Navigate Indonesia\'s labor landscape and explore the implications of evolving labor practices on your business.","thumb_image":"countryguide\/Indonesia\/thumb_16.jpg","slug":"indonesia\/human-resources-and-payroll\/labor-law"},"293":{"id":"293","title":"A Guide to Hiring in Indonesia","title_dynamic":"Hiring Employees","title_secondary":"Hiring Employees","title_medium":"Hiring Employees","teaser":"Read our guide to hiring in Indonesia to understand Indonesia\'s labor market trends as well as the requirements and procedures for hiring in Indonesia.","thumb_image":"countryguide\/Indonesia\/thumb_17.jpg","slug":"indonesia\/human-resources-and-payroll\/a-guide-to-hiring-in-indonesia"},"775":{"id":"775","title":"Comprehensive Guide to Halal Certification in Indonesia ","title_dynamic":"Halal Certification","title_secondary":"Halal Certification","title_medium":"Halal Certification","teaser":"Explore the full spectrum of Halal certification in Indonesia, from essential standards to SME strategies and tech innovations. 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","thumb_image":"countryguide\/Indonesia\/Halal-Certification-in-Indonesia_thumb.jpg","slug":"indonesia\/company-establishment\/halal-certification-guide"},"774":{"id":"774","title":"Indonesia\'s Comprehensive Personal Data Protection Law Guide ","title_dynamic":"Personal Data Protection Law","title_secondary":"Personal Data Protection Law","title_medium":"Personal Data Protection Law","teaser":"Navigate Indonesia\u2019s PDP Law: Align with global standards, ensure compliance, and manage data privacy risks effectively.","thumb_image":"countryguide\/Indonesia\/Personal-Data-Protection-in-Indonesia_thumb.jpg","slug":"indonesia\/company-establishment\/personal-data-protection-law"},"264":{"id":"264","title":"Deregister a company in Indonesia","title_dynamic":"Closing a Business","title_secondary":"Closing a Business","title_medium":"Closing a Business","teaser":"We provide an overview of how to deregister a limited liability company or representative office in Indonesia.","thumb_image":"countryguide\/Indonesia\/thumb_4.jpg","slug":"indonesia\/company-establishment\/company-dissolution-in-indonesia"},"294":{"id":"294","title":"Terminating an Employee in Indonesia","title_dynamic":"Terminating Employees","title_secondary":"Terminating Employees","title_medium":"Terminating Employees","teaser":"Gain insight into employee termination procedures in Indonesia, ensuring compliance and understanding legal considerations. ","thumb_image":"countryguide\/Indonesia\/Terminating-an-Employee-in-Indonesia_thumb.jpg","slug":"indonesia\/human-resources-and-payroll\/terminating-an-employee-in-indonesia"},"326":{"id":"326","title":"Corporate Income Tax in Indonesia","title_dynamic":"Corporate Income Tax","title_secondary":"Corporate Income Tax","title_medium":"Corporate Income Tax","teaser":"Navigate Indonesia\'s corporate income tax: understand the applicable rates, deadlines, tax residency, and potential incentives for a comprehensive understanding of obligations.","thumb_image":"countryguide\/Indonesia\/Corporate-Income-Tax-in-Indonesia_thumb.jpg","slug":"indonesia\/taxation-and-accounting\/corporate-income-tax-in-indonesia"},"577":{"id":"577","title":"Indirect Taxes in Indonesia","title_dynamic":"Indirect Taxes","title_secondary":"Indirect Taxes","title_medium":"Indirect Taxes","teaser":"We discuss the applicability of e-commerce tax on domestic and foreign workers, as well as the luxury goods sales tax, and stamp duty.","thumb_image":"countryguide\/Indonesia\/Indirect-taxes-in-Indonesia_thumb.jpg","slug":"indonesia\/taxation-and-accounting\/indirect-taxes-in-indonesia"},"259":{"id":"259","title":"Taxation and Accounting","title_dynamic":"Taxation and Accounting","title_secondary":"Taxation and Accounting","title_medium":"Taxation and Accounting","teaser":"Discover accounting and audit compliance as well as Indonesia\'s tax requirements for businesses and tax-paying Individuals, transfer pricing rules, plus various links to helpful resources to managing your business in Indonesia.","thumb_image":"countryguide\/Indonesia\/thumb_6.jpg","slug":"indonesia\/taxation-and-accounting"},"327":{"id":"327","title":"Value Added Tax in Indonesia","title_dynamic":"Value Added Tax","title_secondary":"Value Added Tax","title_medium":"Value Added Tax","teaser":"Explore Indonesia\'s value-added tax (VAT) and it\'s applicability to services and taxable goods transfer. Learn how it may impact your business operations.","thumb_image":"countryguide\/Indonesia\/thumb_9.jpg","slug":"indonesia\/taxation-and-accounting\/value-added-tax-in-indonesia"},"329":{"id":"329","title":"Withholding Tax in Indonesia","title_dynamic":"Withholding Tax","title_secondary":"Withholding Tax","title_medium":"Withholding Tax","teaser":"Withholding tax applies to both residents and non-resident companies in Indonesia. We discuss withholding tax on salaries, major types of payments, and its relevance across income types.","thumb_image":"countryguide\/Indonesia\/thumb_11.jpg","slug":"indonesia\/taxation-and-accounting\/withholding-tax-in-indonesia"},"22":{"id":"22","title":"Tax Incentives for Businesses in Indonesia","title_dynamic":"Tax Incentives","title_secondary":"Tax Incentives","title_medium":"Tax Incentives","teaser":"Indonesia offers signficant tax incentives for businesses that invest in labor intensive industries, training programs, as well as research and development. Read more to understand how businesses can reap the benefits.","thumb_image":"countryguide\/Indonesia\/thumb_10.jpg","slug":"indonesia\/taxation-and-accounting\/tax-incentives-for-businesses"},"240":{"id":"240","title":"Transfer pricing and Advance Pricing Agreements in Indonesia ","title_dynamic":"Transfer Pricing and Advance Pricing Agreements","title_secondary":"Transfer Pricing and Advance Pricing Agreements","title_medium":"Transfer Pricing and Advance Pricing Agreements","teaser":"Gain insights on transfer pricing and advance pricing agreements in Indonesia, vital for informed business decisions and compliance in intercompany transactions.","thumb_image":"countryguide\/Indonesia\/thumb_12.jpg","slug":"indonesia\/taxation-and-accounting\/international-taxation"},"776":{"id":"776","title":"Complete Guide to Individual Income Tax Filing in Indonesia ","title_dynamic":"Individual Income Tax Filing","title_secondary":"Individual Income Tax Filing","title_medium":"Individual Income Tax Filing","teaser":"Master the individual income tax process in Indonesia with our step-by-step guide, key deadlines, and tips to avoid common mistakes.","thumb_image":"countryguide\/Indonesia\/Individual-Income-Tax-Filing-Process-in-Indonesia_thumb.jpg","slug":"indonesia\/taxation-and-accounting\/individual-income-tax-filing"},"19":{"id":"19","title":"Personal Income Tax in Indonesia","title_dynamic":"Personal Income Tax","title_secondary":"Personal Income Tax","title_medium":"Personal Income Tax","teaser":"Gain insight into individual income tax in Indonesia: explore rates, deductions, and filing procedures for a clear understanding of personal tax responsibilities.","thumb_image":"countryguide\/Indonesia\/thumb_8.jpg","slug":"indonesia\/taxation-and-accounting\/individual-income-tax"},"36":{"id":"36","title":"Indonesia Accounting Standards","title_dynamic":"Accounting Standards","title_secondary":"Accounting Standards","title_medium":"Accounting Standards","teaser":"Audits in Indonesia are based on Indonesian Financial Accounting Standards (SAK), which are set by the Financial Accounting Standards Board (DSAK IAI) and the Indonesian Sharia Accounting Standards Board (DSAS IAI), for sharia-based companies. Read this section to know more.","thumb_image":"countryguide\/Indonesia\/Indonesia-Accounting-Standards_thumb.jpg","slug":"indonesia\/taxation-and-accounting\/accounting-standards"},"35":{"id":"35","title":"Audit and Compliance in Indonesia","title_dynamic":"Audit and Compliance","title_secondary":"Audit and Compliance","title_medium":"Audit and Compliance","teaser":"Investors need to be aware that regulations regarding auditing, accounting, and financial reporting are stipulated over several laws and bylaws, and a good understanding of these can ensure businesses stay compliant.","thumb_image":"countryguide\/Indonesia\/Audit-and-Compliance-in-Indonesia_thumb.jpg","slug":"indonesia\/taxation-and-accounting\/audit-and-compliance"},"29":{"id":"29","title":"Business Visas in Indonesia","title_dynamic":"Business Visa","title_secondary":"Business Visas","title_medium":"Business Visa","teaser":"Uncover visa and work permit options for foreign entrepreneurs in Indonesia. Learn more about business-related documentation in our informative guide.","thumb_image":"countryguide\/Indonesia\/thumb_18.jpg","slug":"indonesia\/human-resources-and-payroll\/visa-and-employment-permits"},"26":{"id":"26","title":"Human Resources and Payroll","title_dynamic":"Human Resources and Payroll","title_secondary":"Human Resources and Payroll","title_medium":"Human Resources and Payroll","teaser":"Learn about HR and Payroll in Indonesia \u2013 from labor laws to hiring and terminating employees. We provide a comprehensive overview of how entities in Indonesia can manage their people in compliance with local requirements. ","thumb_image":"countryguide\/Indonesia\/thumb_15.jpg","slug":"indonesia\/human-resources-and-payroll"},"32":{"id":"32","title":"Minimum Wage in Indonesia","title_dynamic":"Minimum Wages","title_secondary":"Minimum Wages","title_medium":"Minimum Wages","teaser":"Indonesia\'s minimum wages vary by region and sector, reflecting local economic conditions and promoting fair income standards. Our guide provides a comprehensive outlook.","thumb_image":"countryguide\/Indonesia\/thumb_19.jpg","slug":"indonesia\/human-resources-and-payroll\/minimum-wage"},"303":{"id":"303","title":"Guide to Indonesia\u2019s Public Holidays & Leaves","title_dynamic":"Annual Leave & Public Holidays","title_secondary":"Annual Leave & Public Holidays","title_medium":"Annual Leave & Public Holidays","teaser":"Explore the impact of Indonesia\'s public holidays and leave policies on your business operations, understanding their significance for smoother operations.","thumb_image":"countryguide\/Indonesia\/Annual-leave_thumb.jpg","slug":"indonesia\/human-resources-and-payroll\/guide-to-indonesia-s-public-holidays-festivals"},"33":{"id":"33","title":"Social Insurance in Indonesia","title_dynamic":"Social Insurance","title_secondary":"Social Insurance","title_medium":"Social Insurance","teaser":"Indonesia\'s social insurance provides coverage for healthcare, work-related accidents, and pensions. 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} </style> <link rel="stylesheet" href="/assets/css/wp_fix.css">  <section class="parallex fullwidth parallex-guide">  <img class="parallax-image" src="https://resource.dezshira.com/countryguide/Indonesia/top-banner_36.jpg" alt="image" /> <div class="section-wrapper animate delay-1"> <h1 data-skiptoc="true"><span>Opportunities in Indonesia’s Financial Technology Sector</span></h1>  </div> </section> <section id="article-section" class="article-section"> <div class="section-wrapper"> <div class="pt-4rem flex-spacing"> <div class="article-content column-75per-left left-column60per"> <a href='#' data-widget=0 class='widget_marker'></a> <p><ul> <li><em>Indonesia’s fintech industry is one of the most competitive and dynamic in ASEAN as evidenced by the emergence of four unicorns and one decacorn in the industry.</em></li> <li><em>The fintech industry is one of the most funded sectors and is dominated by peer-to-peer (P2P) lending and e-payment platforms.</em></li> </ul> <p>Indonesia’s fintech industry is one of the most competitive and dynamic in ASEAN as evidenced by the emergence of four unicorns and one decacorn in the industry. The country is home to 20 percent of all fintech companies in the Southeast Asian bloc, which is expected to generate US$8.6 billion in revenues over the next five years, despite its infancy.</p> <p>The fintech industry is one of the most funded sectors — along with e-commerce — and is dominated by peer-to-peer (P2P) lending (50 percent) and e-payment (23 percent) platforms. Despite having more than 300 fintech companies operating in Indonesia, foreign investors will find the industry has yet to fulfill its potential. One of the factors is that 60 percent of the country’s workforce is in the informal sector, and many micro, small, and medium-sized enterprises (MSMEs) have little access to financing from banks, as they too are mostly operating in the informal sector.</p> <p><a href="https://www.aseanbriefing.com/news/wp-content/uploads/2021/04/Composition-of-Indonesia’s-Fintech-Industry.jpg"><img class="alignnone size-full wp-image-15229" src="https://www.aseanbriefing.com/news/wp-content/uploads/2021/04/Composition-of-Indonesia’s-Fintech-Industry.jpg" alt="Composition-of-Indonesia’s-Fintech-Industry" width="900" height="504" /></a></p> <h2>P2P lending</h2> <p>Many local MSMEs have business models that are not compatible with the characteristics of the banks’ financial products. That includes aspects such as payment terms for loan schemes, forms of collateral, and credit quality, among others.</p> <p>Foreign fintech firms can plug this gap through new financing models that have the potential to serve Indonesia’s 47 million underbanked and 92 million unbanked adults. As of 2020, P2P lending reached US$7.7 billion from 160 fintech companies officially listed by the Financial Services Authority (OJK). This covered over 26 million borrowers throughout the country.</p> <p>These microloans are popular because of their convenience as it normally takes just 24 hours for the funds to be disbursed, and the terms and maturity are small and short – with borrowers typically receiving not more than US$100. These are normally returned within a few weeks as there are often huge interest charges.</p> <h2>E-wallets</h2> <p>Electronic money transactions rose by 173 percent in 2020 and have become indispensable to Indonesian consumers. The country is predicted to be the next battleground for digital payment apps, with Indonesia possessing many of the key characteristics that are critical for the adoption of digital payment systems.</p> <p>Some 196 million people have access to the internet and the smartphone penetration rate is 60 percent; above the ASEAN region’s 51 percent. Moreover, the middle-class now comprises 20 percent of the population, a key segment in the growth of the digital economy.</p> <p>Local players still dominate the market (over 30), and GoPay, OVO, Dana, and LinkAja are some of the frontrunners in the industry. 58 percent of consumers used GoPay, an e-wallet developed by local decacorn Gojek. The company partnered with Bank Jago to develop its e-wallet services, which saw gross transactional value of US$12 billion in 2020. GoJek raised US$1.2 billion in funds to take on its rival Grab. It is also currently in talks with local e-commerce giant Tokopedia in a possible US$18 billion merger.</p> <p>Grab also has ambitious plans for Indonesia and the region. It owns shares in the Indonesian digital payment platform OVO and is used in more than 115 million devices in over 300 cities. OVO has plans to merge with another local digital payment platform, DANA, which is backed by Ant Financial. If completed, the deal would help Grab in its battle for market share with Gojek.</p> <p>Since it loosened investment rules in 2016, foreign investors from SoftBank to Alibaba have entered Indonesia’s domestic market and are competing with local firms like Tokopedia, thus providing consumers with a wider variety of services at competitive prices.</p> <p>For foreign investors in the e-wallet industry, it is essential that they deliver a customer-centric experience to allow customers to pay with the local payment method of their choice, ranging from mobile banking to payments via convenience stores. This is because while Indonesia has a high smartphone penetration rate, a sizeable portion of its population is unbanked.</p> <p><a href="https://www.aseanbriefing.com/news/wp-content/uploads/2021/04/The-Biggest-E-Wallet-Apps-in-Indonesia-Based-on-Total-Downloads.jpg"><img class="alignnone size-full wp-image-15237" src="https://www.aseanbriefing.com/news/wp-content/uploads/2021/04/The-Biggest-E-Wallet-Apps-in-Indonesia-Based-on-Total-Downloads.jpg" alt="The-Biggest-E-Wallet-Apps-in-Indonesia-Based-on-Total-Downloads" width="900" height="924" /></a></p> <h2>Cloud technology and big data analytics</h2> <p>Indonesia is embracing cloud technology at speed and scale and has attracted investments from the world’s largest tech companies. In a report compiled by the Boston Consulting Group, Indonesia’s public cloud market is projected to see a compound annual growth rate of 25 percent — to reach US$800 million by 2023. The growing number of digital natives and the expansion of digital unicorns is fast turning Indonesia into one of Asia-Pacific’s fastest-growing public cloud markets.</p> <p>Alibaba gained a first-mover advantage over rivals Google, Amazon Web Services (AWS), and Microsoft, has launched its second hyperscale data center in January 2019. Google Cloud was launched in Jakarta in June 2020, and AWS will invest US$2.85 billion to build data centers in Indonesia’s West Java province by end of 2021. Microsoft revealed plans in early February 2020 that it would also build data centers in the country.</p> <p>The management of big data will be key to maximizing the future of Indonesia’s cloud technology industry. Big data will be of great importance in understanding consumer trends in the country, particularly in recording digital footprints through social media platforms. Many MSMEs are using Facebook and Instagram to reach their consumer base. These platforms have 140 million and 77 million users, respectively, as of 2020. It is estimated that the total number of social network users will reach 256 million by 2025.</p></p> </div>   <aside class="column-25per-right"> <div class="rhs_widgets widget_0" style="z-index:20;"> <div class="ab-widget rhs toc mceNonEditable tocContent animate moveTOCbox delay-v2" align="right"> <div class="related-reading-block related-reading-block-right block-cb"> <div class="related-reading-title">In This Section</div> <div class="content-related-reading"> <ul id="toc" class="animate delay-4"></ul> </div> </div> </div>  </div> <div class="rhs_widgets"> <div class="quote-block quote-block-right"> <div class="related-reading-title dsa-color">Contributing Advisor</div> <div class="personnel-profile full-w"> <a class="personnel-profile-pic" href="https://www.dezshira.com/personnel/tsamaratul-qolbi.html" target="_blank"> <img src="//www.asiabriefing.com/site-mgmt-v2/new/userfiles/personnel/Tsamara_2022_square.jpg" alt="profile"> <img class="dsa-logo-branding" src="https://www.asiabriefing.com/assets_ab/images/dsa-logo.svg" alt=""> </a> <div class="personnel-profile-info"> <a href="https://www.dezshira.com/personnel/tsamaratul-qolbi.html" target="_blank" class="personnel-profile-name"> Tsamaratul Qolbi <p class="personnel-profile-title">Assistant Manager, Business Intelligence<br></p> </a> </div> </div> </div> </div> <div class="rhs_widgets widget_2"> <div class="related-services-block related-services-block-right"> <div class="related-reading-title"><i><a href="https://www.dezshira.com/services/business-intelligence-solutions"><img alt="" src="https://www.asiabriefing.com/assets_ab/images/dsa-logo.svg"></a></i> <a href="https://www.dezshira.com/services/business-intelligence-solutions" target="_blank">Business Intelligence</a> </div> <div class="content-related-reading"> <p>Need advice or more information about this sector? Ask our Business intelligence team</p> <a class="btn btn-outline-theme" href="https://www.dezshira.com/services/business-intelligence-solutions" target="_blank" rel="noopener">Learn More</a> </div> </div> </div> </aside> </div> </div> </section> <section class="article-section pt-4rem pb-4rem" data-sr-id="4" style="visibility: visible; opacity: 1; transition: opacity 2s cubic-bezier(0.5, 0, 0, 1) 0.2s;"> <div class=""> <div class="section-wrapper"> <div class="text-center mb-2rem"> <div class="hading-left-right-border"><span>NEXT GUIDES IN Sector Insights</span></div> </div> <div class="flex-spacing"> <div class="news-block four-column"> <div class="briefing-news"> <div class="posts"> <div class="thumbnail"> <a href="https://www.aseanbriefing.com/doing-business-guide/indonesia/sector-insights/new-provisions-for-indonesia-s-postal-telecommunications-and-broadcasting-sectors-under-the-omnibus-law"><img src="https://resource.dezshira.com/countryguide/Indonesia/thumb_37.jpg" 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personnel_detail_stored=per; var personnel_id = per.id; var personnel_text = `<a class="personnel__profile__pic" href="https://www.dezshira.com/personnel/${per.url}" target="_blank"><img src="//www.asiabriefing.com/site-mgmt-v2/new/userfiles/personnel/${per.picture}" width="50px" style="border-radius:100px" alt="profile"></a> <a class="personnel__profile__name" href="https://www.dezshira.com/personnel/${per.url}" target="_blank">${per.f_name} ${per.l_name}</a>`; if(personnel_profile) personnel_profile.innerHTML=personnel_text; if (chat_country) show_user_location.innerHTML = chat_country; }); } else { fetch('https://api.ipregistry.co/?key=3fqu16lgl1w2np07') .then(function(response) { return response.json(); }) .then(function(payload) { chat_country = payload.location.country.name; chat_city = payload.location.city; fetch('/api/personnel?city=' + chat_city + '&country=' + chat_country) .then(function(response) { return response.json(); }) .then(function(per) { // console.log(); personnel_detail_stored=per; var personnel_id = per.id; var personnel_text = `<a class="personnel__profile__pic" href="https://www.dezshira.com/personnel/${per.url}" target="_blank"><img src="//www.asiabriefing.com/site-mgmt-v2/new/userfiles/personnel/${per.picture}" width="50px" style="border-radius:100px" alt="profile"></a> <a class="personnel__profile__name" href="https://www.dezshira.com/personnel/${per.url}" target="_blank">${per.f_name} ${per.l_name}</a>`; if(personnel_profile) personnel_profile.innerHTML=personnel_text; if (chat_country) show_user_location.innerHTML = chat_city + ', ' + chat_country; }) }); } } function chat_change_location(location){ var step2=document.querySelector("#step2"); if(step2) step2.classList.add("d-none"); manuallyChangedLocation=true; chat_country = location; chat_city = ""; openForm('personnel'); } function openForm(type = "default",overwrite_location="") { var step1_default = document.querySelector("#step1"); var step1_personnel = document.querySelector("#step1_personnel"); var div_message = document.querySelector("#chatForm #message"); if(div_message) div_message.innerHTML=''; if (type == "personnel") { // if(!manuallyChangedLocation) fetch_regional_personnel(); fetch_regional_personnel(); step1_default.classList.add("d-none"); step1_personnel.classList.remove("d-none"); } else { step1_default.classList.remove("d-none"); step1_personnel.classList.add("d-none"); } document.getElementById("chatForm").style.display = "block"; animate_message("main"); } function closeForm() { var chat_step1 = document.querySelector("#chatForm form section#step1"); var chat_step2 = document.querySelector("#chatForm form section#step2"); var chat_step3 = document.querySelector("#chatForm form section#step3"); var input_chat_type = document.querySelector("input#chat_type"); document.getElementById("chatForm").style.display = "none"; if (chat_step1 && chat_step2 && chat_step3) { chat_step1.classList.remove("d-none"); chat_step2.classList.add("d-none"); chat_step3.classList.add("d-none"); if (input_chat_type) input_chat_type.value = ""; } } function load_captcha_image() { var RandomString = Math.random().toString(36).substring(2, 15) + Math.random().toString(36).substring(2, 15); var siimage = document.getElementById('siimage'); siimage.src = "/showCaptcha?" + RandomString; } load_captcha_image(); function chat_step2(type) { // animate_message(); var input_chat_type = document.querySelector("input#chat_type"); var chat_step1 = document.querySelector("#chatForm form section#step1"); var step1_personnel = document.querySelector("#chatForm form section#step1_personnel"); var chat_step2 = document.querySelector("#chatForm form section#step2"); var chat_step3 = document.querySelector("#chatForm form section#step3"); var form_chat_form_type = document.querySelector("#chatForm form input#chat_form_type"); var div_message = document.querySelector("#chatForm #message"); var type_service_required=document.getElementById("type_service_required"); var chat_heading = document.querySelector("#chat_heading_2"); var chat_description = document.querySelector("#chat_description_2"); var chat_message = document.querySelector("#step2_mess"); var step2_options = document.querySelector("#step2_options"); var cForm=document.querySelector("form#contact_form"); if(cForm) cForm.setAttribute("data-type",type); if(form_chat_form_type) form_chat_form_type.value=type; if(div_message) div_message.innerHTML=''; chat_heading.innerHTML = 'Let us help you grow in Asia'; if (type == "dsa_enquiry") { if(type_service_required) type_service_required.setAttribute("required","required"); chat_heading.innerHTML = 'Find Expert Advice.'; chat_description.innerHTML = 'We can connect you with resources or an advisor.'; chat_message.innerHTML = '<p>0k.</p><p>Please share a few details about what guidance you seek.</p><p>We can have a suitable advisor contact you within one business day.</p>'; step2_options.innerHTML = ` <a class="btn btn-theme sub" onclick="chat_step3('dsa_enquiry')">Ok</a> <a class="btn btn-medium-gray sub" onclick="chat_step2('dsa_enquiry_other_options')">No, give me other options</a> <a class="btn btn-medium-gray sub" onclick="chat_step1()"><svg width="15" height="15" version="1.1" id="Layer_1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 24 24" style="enable-background:new 0 0 24 24;" xml:space="preserve"> <path class="st0" d="M17,23C28,11.5,14.7,2.1,6.6,9.6L9.1,12H0V3.1l2.2,2.2C17-7.9,33.7,12.3,17,23z"></path> </svg> Start over</a> `; if (animation_status.dsa_enquiry == 0) { animation_status.dsa_enquiry = 1; animate_message("dsa_enquiry") }; } else if (type == "ab_media") { if(type_service_required) type_service_required.removeAttribute("required"); chat_heading.innerHTML = 'How would you like to get involved?'; chat_description.innerHTML = 'Tell us your idea and we\'ll contact you.'; if (animation_status.ab_media == 0) { animation_status.ab_media = 1; animate_message("ab_media") }; } else if (type == "ab_feedback") { if(type_service_required) type_service_required.removeAttribute("required"); chat_heading.innerHTML = 'Please share your feedback'; chat_description.innerHTML = 'We\'d love to hear what you have to say.'; chat_message.innerHTML = '<p>Ok.</p><p> I\'ll show you our contact forms for that.</p><p>What would you like to contact us about?</p>'; step2_options.innerHTML = ` <a class="btn btn-theme sub" onclick="chat_step3('ab_media')">I want to get Involved with this site</a> <a class="btn btn-medium-gray sub" onclick="chat_step3('ab_feedback')">I have some feedback about this site</a> <a class="btn btn-medium-gray sub" onclick="chat_step1()"><svg width="15" height="15" version="1.1" id="Layer_1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 24 24" style="enable-background:new 0 0 24 24;" xml:space="preserve"> <path class="st0" d="M17,23C28,11.5,14.7,2.1,6.6,9.6L9.1,12H0V3.1l2.2,2.2C17-7.9,33.7,12.3,17,23z"></path> </svg> Start over</a> `; if (animation_status.ab_feedback == 0) { animation_status.ab_feedback = 1; animate_message("ab_feedback") }; } else if (type == "dsa_enquiry_other_options") { if(type_service_required) type_service_required.setAttribute("required","required"); chat_heading.innerHTML = 'Locate an advisor'; chat_description.innerHTML = 'Browse professionals by office or location, or make a general query.'; chat_message.innerHTML = 'Would you like to take a look at any of the following?'; step2_options.innerHTML = ` <a class="btn btn-medium-gray sub" href="https://www.dezshira.com/personnel" target="_blank">Dezan Shira experts by country.</a> <a class="btn btn-medium-gray sub" href="https://www.dezshira.com/office" target="_blank">Dezan Shira offices by location.</a> <a class="btn btn-medium-gray sub" onclick="chat_step3('ab_media')">Contact someone with Asia Briefing</a> <a class="btn btn-medium-gray sub" onclick="chat_step3('ab_feedback')">No, I'm looking for something else</a> <a class="btn btn-medium-gray sub" onclick="chat_step1()"><svg width="15" height="15" version="1.1" id="Layer_1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 24 24" style="enable-background:new 0 0 24 24;" xml:space="preserve"> <path class="st0" d="M17,23C28,11.5,14.7,2.1,6.6,9.6L9.1,12H0V3.1l2.2,2.2C17-7.9,33.7,12.3,17,23z"></path> </svg> Start over</a> `; // animate_message("dsa_enquiry_other_options"); } else if (type == "search_tool") { chat_description.innerHTML = ""; chat_message.innerHTML = '<p data-interval="100">Have you tried our search tool?</p><p data-interval="500">Use it to easily search these Doing Business guides, plus our archives of thousands of news articles, videos, reports, publications and more.</p><p data-interval="3000">Open the search now?</p>'; step2_options.innerHTML = ` <a class="btn btn-theme sub" onclick="open_search()">Ok, show me</a> <a class="btn btn-medium-gray sub" onclick="chat_step3('ab_feedback')">No, any other options?</a> <a class="btn btn-medium-gray sub" onclick="chat_step1()"><svg width="15" height="15" version="1.1" id="Layer_1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 24 24" style="enable-background:new 0 0 24 24;" xml:space="preserve"> <path class="st0" d="M17,23C28,11.5,14.7,2.1,6.6,9.6L9.1,12H0V3.1l2.2,2.2C17-7.9,33.7,12.3,17,23z"></path> </svg> Start over</a> `; if (animation_status.search_tool == 0) { animation_status.search_tool = 1; animate_message("search_tool") }; } else if (type == "change_country") { chat_description.innerHTML = ""; chat_message.innerHTML = '<p data-interval="100">Okey, please select which country you are based on right now</p>'; step2_options.innerHTML = ` <select onChange="chat_change_location(this.value);"> <option>Select your location</option> <option value="Australia">Australia</option> <option value="Bangladesh">Bangladesh</option> <option value="Canada">Canada</option> <option value="China">China</option> <option value="France">France</option> <option value="Germany">Germany</option> <option value="Hong Kong SAR">Hong Kong SAR</option> <option value="India">India</option> <option value="Indonesia">Indonesia</option> <option value="Ireland">Ireland</option> <option value="Israel">Israel</option> <option value="Italy">Italy</option> <option value="Japan">Japan</option> <option value="Malaysia">Malaysia</option> <option value="Mongolia">Mongolia</option> <option value="New Zealand">New Zealand</option> <option value="Philippines">Philippines</option> <option value="Russia">Russia</option> <option value="Saudi Arabia">Saudi Arabia</option> <option value="Singapore">Singapore</option> <option value="South Korea">South Korea</option> <option value="Thailand">Thailand</option> <option value="Turkiye">Turkiye</option> <option value="United Arab Emirates">United Arab Emirates</option> <option value="United Kingdom">United Kingdom</option> <option value="United States">United States</option> <option value="Vietnam">Vietnam</option> <option value="Africa">Africa</option> <option value="Europe">Europe Other</option> <option value="Middle East">Middle East - Other</option> <option value="South America">South America</option> // <option value="South Asia - Other">South Asia - Other</option> // <option value="South East Asia - Other">South East Asia - Other</option> <option value="Asia">Asia - Other</option> <option value="Rest of the World">Rest of the World</option> </select> <a class="btn btn-medium-gray sub" onclick="chat_step1()"><svg width="15" height="15" version="1.1" id="Layer_1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 24 24" style="enable-background:new 0 0 24 24;" xml:space="preserve"> <path class="st0" d="M17,23C28,11.5,14.7,2.1,6.6,9.6L9.1,12H0V3.1l2.2,2.2C17-7.9,33.7,12.3,17,23z"></path> </svg> Start over</a> `; if (animation_status.search_tool == 0) { animation_status.search_tool = 1; animate_message("search_tool") }; } if (chat_step1 && chat_step2 && chat_step2) { chat_step1.classList.add("d-none"); step1_personnel.classList.add("d-none"); chat_step2.classList.remove("d-none"); chat_step3.classList.add("d-none"); } } function chat_direct_step3(type){ openForm(); chat_step3(type); } function chat_step3(type) { updateCSRFTokens(); // animate_message(); var input_chat_type = document.querySelector("input#chat_type"); var chat_step1 = document.querySelector("#chatForm form section#step1"); var step1_personnel = document.querySelector("#chatForm form section#step1_personnel"); var chat_step2 = document.querySelector("#chatForm form section#step2"); var chat_step3 = document.querySelector("#chatForm form section#step3"); var chat_personnel_profile_3 = document.querySelector("#chatForm form section#step3 #chat_personnel_profile_3"); var form_chat_form_type = document.querySelector("#chatForm form input#chat_form_type"); var type_service_required=document.getElementById("type_service_required"); var chat_heading = document.querySelector("#chat_heading_3"); var chat_description = document.querySelector("#chat_description_3"); var cForm=document.querySelector("form#contact_form"); if(cForm) cForm.setAttribute("data-type",type); form_chat_form_type.value=type; var input_showonly = document.querySelectorAll("[data-showonly]"); if (input_showonly) { for (i = 0; i <= input_showonly.length; i++) { if (input_showonly[i] && type == input_showonly[i].getAttribute("data-showonly")) { input_showonly[i].classList.remove("d-none"); } else if (input_showonly[i]) { input_showonly[i].classList.add("d-none"); } } } if (input_chat_type) { input_chat_type.value = type; if (type == "dsa_enquiry") { if(type_service_required) type_service_required.setAttribute("required","required"); if(personnel_detail_stored){ if(chat_personnel_profile_3) chat_personnel_profile_3.classList.remove("d-none"); var personnel_text = `<a class="personnel__profile__pic" href="https://www.dezshira.com/personnel/${personnel_detail_stored.url}" target="_blank"><img src="//www.asiabriefing.com/site-mgmt-v2/new/userfiles/personnel/${personnel_detail_stored.picture}" width="50px" style="border-radius:100px" alt="profile"></a> <div style="width:78%;"><strong>To:</strong><br /><a class="personnel__profile__name" href="https://www.dezshira.com/personnel/${personnel_detail_stored.url}" target="_blank">${personnel_detail_stored.f_name} ${personnel_detail_stored.l_name}</a></div>`; chat_personnel_profile_3.innerHTML=personnel_text; chat_heading.innerHTML = 'Send Message to '+personnel_detail_stored.f_name; chat_description.innerHTML = 'Share what you are seeking, and '+personnel_detail_stored.f_name+' or one of his advisors will get back to you.'; } else { if(chat_personnel_profile_3) chat_personnel_profile_3.classList.add("d-none"); chat_heading.innerHTML = 'Speak to an expert!'; chat_description.innerHTML = 'Tell us what guidance you seek to be connected with a professional.'; } } else if (type == "ab_media") { if(type_service_required) type_service_required.removeAttribute("required"); // console.log("come inside ab_media"); chat_heading.innerHTML = 'How would you like to get involved?'; chat_description.innerHTML = 'Tell us your idea and we\'ll contact you.'; } else if (type == "ab_feedback") { if(type_service_required) type_service_required.removeAttribute("required"); chat_heading.innerHTML = 'Please share your feedback'; chat_description.innerHTML = 'We\'d love to hear what you have to say.'; } } if (chat_step1 && chat_step2 && chat_step2) { chat_step1.classList.add("d-none"); step1_personnel.classList.add("d-none"); chat_step2.classList.add("d-none"); chat_step3.classList.remove("d-none"); } } function chat_step1() { if(!manuallyChangedLocation) fetch_regional_personnel(); var chat_step1 = document.querySelector("#chatForm form section#step1"); var step1_personnel = document.querySelector("#chatForm form section#step1_personnel"); var chat_step2 = document.querySelector("#chatForm form section#step2"); var chat_step3 = document.querySelector("#chatForm form section#step3"); if (chat_step1 && chat_step2) { chat_step1.classList.remove("d-none"); // step1_personnel.classList.remove("d-none"); chat_step2.classList.add("d-none"); chat_step3.classList.add("d-none"); } return false; } // Contact form var frm = $('form#contact_form'); frm.submit(function(e) { e.preventDefault(); // var isvalid = $("form#contact_form").valid(); // if (isvalid) { $('#loading').show(); $('#message').html('<img src="/assets/images/typing-animation-3x.gif" height="20px" alt="Processing..." />'); $.ajax({ type: frm.attr('method'), url: frm.attr('action'), data: frm.serialize(), success: function(data) { $('#message').removeClass("alert alert-danger green-bg"); $('#message').html(""); if (data == "invalid_token_code") { $('#message').html("<div class='alert alert-danger'>Invalid Security Code.</div>"); // $('#message').addClass("alert alert-danger").html('Invalid Security Code.'); $('#loading').hide(); $("#reload_captcha").click(); } else if (data == "invalid_token") { $('#message').html("<div class='alert alert-danger'>Invalid Form Token.</div>"); // $('#message').addClass("alert alert-danger").html('Invalid Form Token.'); $('#loading').hide(); $("#reload_captcha").click(); } else if (data == "csrf_check_failed") { $('#message').html("<div class='alert alert-danger'>CSRF Check failed.</div>"); // $('#message').addClass("alert alert-danger").html('CSRF Check failed.'); $('#loading').hide(); $("#reload_captcha").click(); } else { // let frm = $('form#contact_form'); let formType="dsa_enquiry"; if(frm.attr('data-type')){ formType=frm.attr('data-type'); } $('#message').html("<div id='chat_message_success' class='chat-"+formType+" alert green-bg'>Thank you for your message.</div>"); // $('#message').addClass("alert green-bg").html('<div id="chat_message_success" class="chat-'+formType+'">Thank you for your message.</div>'); //frm.find('input, textarea').each(function(i){ // $(this).val(); //}); document.getElementById("contact_form").reset(); $("#reload_captcha").click(); $('#loading').hide(); } }, error: function(xhr, ajaxOptions, thrownError) { $('#loading').hide(); $('#message').html('Sorry, response from the POST URL is empty: <br />' + xhr.status); $("#reload_captcha").click(); }, }); // } }); $("#reload_captcha").click(function() { $("#siimage").attr("src", ""); d = new Date(); $("#siimage").attr("src", "/showCaptcha?" + d.getTime()); }); function open_search() { var searchBtn = document.querySelector('[data-model="serach-modal"]'); if (searchBtn) { searchBtn.click(); } } function animate_message(step) { if (step == "main") { var step1 = document.querySelector("#step1"); var step1_personnel = document.querySelector("#step1_personnel"); if (!step1.classList.contains("d-none")) { var messages = document.querySelectorAll("#step1 .chat-intro p"); } else { var messages = document.querySelectorAll("#step1_personnel .chat-intro p"); } // console.log(messages); } else { var messages = document.querySelectorAll("#step2 .chat-intro p"); } var btns = document.querySelectorAll(".chat-popup a.btn"); // Hide First for (i = 0; i <= messages.length; i++) { if (messages[i]) { messages[i].classList.add("hide"); } } for (i = 0; i <= btns.length; i++) { if (btns[i]) { btns[i].classList.add("hide"); } } show_animate_message(messages, 0, 300, step); } function show_animate_message(messages, index, next_delay, step) { if (step == "main") { var is_typing_indicator = document.querySelectorAll("#is_typing_step1"); } else var is_typing_indicator = document.querySelector("#is_typing_step2"); var btns = document.querySelectorAll("a.btn"); if (messages[index]) { messages[index].classList.remove("hide"); // console.log(messages[index+1]); if (messages[index + 1]) { var delay = messages[index + 1].getAttribute("data-interval"); if (!delay) delay = 1000; next_delay = parseInt(next_delay); next_delay += parseInt(delay); is_typing = true; if (is_typing_indicator instanceof NodeList) { for (i = 0; i < is_typing_indicator.length; i++) { if (is_typing_indicator[i]) is_typing_indicator[i].classList.remove("hide"); } } else { if (is_typing_indicator) is_typing_indicator.classList.remove("hide"); } setTimeout(function() { show_animate_message(messages, index + 1, delay, step) }, next_delay); } else { is_typing = false; if (is_typing_indicator instanceof NodeList) { for (i = 0; i < is_typing_indicator.length; i++) { if (is_typing_indicator[i]) is_typing_indicator[i].classList.add("hide"); } } else { if (is_typing_indicator) is_typing_indicator.classList.add("hide"); } for (i = 0; i <= btns.length; i++) { if (btns[i]) { btns[i].classList.remove("hide"); } } animation_status.step = 1; } } } </script></div>  <div id="serach-modal" class="modal"> <div class="modal-content" action=""> <span class="close" title="Close Modal">×</span> <style> /* #serach-modal .modal-content { max-width: 98%; } #serach-modal.modal { padding-top: 215px; height: 70vh; } .search-form-panel { width: 25% !important; } .result-panel { width: 73%; } .result_step1,.result_step2 { display: flex; padding-top: 0; } .result_step1 .search-block-second { width: calc(34% - 50px); margin-right: 10%; } .countryGuideSearchPopup h1 { margin: 0 0 2.5rem 0 !important; } .back-more-source{justify-content: space-between;} .back-btn{width:auto;margin:0;padding:0;} .countryGuideSearchPopup .search-topics-block.search-topics-block-step2 .search-topics-title{border:0 !important;padding-left: 0 !important;} .search_results .article-content h5 a{font-family: "MarkW01-medium",Helvetica,Roboto,Arial,sans-serif;} .search-block-second .category{margin-top:0.5rem !important;} .search-block-second .resource-section .list-unstyled.unstyled li:last-child{border-bottom:solid 1px #e9ecef;} */ .d-none{display:none;} </style>  <div class="container"> <div class="overlay-content"> <div class="countryGuideSearchPopup"> <h5 style="text-align: left!important;font-size: 1.3rem!important;margin: 0 0 2.5rem 0!important;font-weight:700;">Search our guides, media and news archives</h5> <div class="search-topics-block search-topics-block-second"> <div class="search-block-second search-form-panel"> <div class="restrict-search"> <form name="searchform" onsubmit="return doSearchAll()"> <div class="form-flex-box"> <input type="text" placeholder="Keyword search" name="search" autofocus="autofocus" id="searchKeyword" onkeyup="handleTimer()"> <button type="submit"> <img alt="" src="/assets/images/search-white-icon.svg"> </button> </div> <div class="ap-area__filter"> <label class="guide-c active">Guide category</label> <div class="guidecategorylist"> <div class="ap-area__filter--checkbox"> <input id="1" type="checkbox" name="search_category" value="Why Indonesia" onchange="doSearchAll()"> <label for="1">Economy & Trade</label> </div> <div class="ap-area__filter--checkbox"> <input id="2" type="checkbox" name="search_category" value="Where to Invest" onchange="doSearchAll()"> <label for="2">Where to Invest</label> </div> <div class="ap-area__filter--checkbox"> <input id="3" type="checkbox" name="search_category" value="Sector Insights" onchange="doSearchAll()"> <label for="3">Sector Insights </label> </div> <div class="ap-area__filter--checkbox"> <input id="4" type="checkbox" name="search_category" value="Company Establishment" onchange="doSearchAll()"> <label for="4">Business Setup</label> </div> <div class="ap-area__filter--checkbox"> <input id="5" type="checkbox" name="search_category" value="Human Resources and Payroll" onchange="doSearchAll()"> <label for="5">HR Employment & Payroll </label> </div> <div class="ap-area__filter--checkbox"> <input id="6" type="checkbox" name="search_category" value="Taxation and Accounting" onchange="doSearchAll()"> <label for="6">Tax, Accounting and Audit </label> </div> </div> </div> <div class="region-filter"> <select class="required form-select-input" id="region_filter" name="region_filter"> <option value="" selected="true" disabled="disabled">Region </option> <option value="">All</option> <option value="asean">ASEAN</option> <option value="vietnam">Vietnam</option> <option value="indonesia">Indonesia</option> <option value="singapore">Singapore</option> </select> </div> </form> </div> </div> <div class="result-panel"> <div class="status d-none" id="search_loading"> <div class="search_loader"></div> </div>  <div class="result_step1 countryGuideSearchPopup" id="countryGuideSearchPopup" style="width: initial;"> <p>Type keyword to begin searching...</p> </div>   <div class="result_step2 countryGuideSearchPopup d-none" id="countryGuideSearchPopupFULL" style="width: initial;"> <div class="search-topics-block search-topics-block-step2"> <div class="search-topics"> <div id="resultFull"></div> </div> </div> </div> </div>  </div> </div> </div> </div> <script> var countryGuideSearchPopupFULL = document.getElementById("countryGuideSearchPopupFULL"); var countryGuideSearchFullResult = document.getElementById("resultFull"); var search_loading = document.getElementById("search_loading"); var currentFullSearchText=document.getElementById("currentFullSearch"); var countryGuideSearchPopup = document.getElementById("countryGuideSearchPopup"); function loadFull(type) { var backBTN=document.getElementById("backBTN"); if(backBTN) backBTN.classList.remove("d-none"); doSearchFull(type); countryGuideSearchPopup.classList.add("d-none"); countryGuideSearchPopupFULL.classList.remove("d-none"); } function closeFull() { var backBTN=document.getElementById("backBTN"); if(backBTN) backBTN.classList.add("d-none"); countryGuideSearchPopup.classList.remove("d-none"); countryGuideSearchPopupFULL.classList.add("d-none"); } function doSearchAll() { closeFull(); var keyword=document.getElementById("searchKeyword").value; if(keyword=="") return false; search_loading.classList.remove("d-none"); var region_checkbox_val="asean"; var region_checkboxElement=document.querySelector("select#region_filter"); 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if(region_checkbox_val!=""){ qs+="&region="+region_checkbox_val; } if(category_checkbox_val!=""){ qs+="&category="+category_checkbox_val; } xhttp.open("GET", qs, true); xhttp.send(); } return false; } function doSearchFull(type) { var keyword=document.getElementById("searchKeyword").value; search_loading.classList.remove("d-none"); // currentFullSearchText.innerHTML=type.toUpperCase(); var region_checkbox=document.querySelectorAll("input[name='search_restrict']:checked"); var region_checkbox_val="" for (var i=0;i<region_checkbox.length; i++) { region_checkbox_val+= region_checkbox[i].value+","; } if(region_checkbox_val=="") region_checkbox_val="asean"; if(keyword!=""){ var xhttp = new XMLHttpRequest(); xhttp.onreadystatechange = function() { if (this.readyState == 4 && this.status == 200) { search_loading.classList.add("d-none"); countryGuideSearchFullResult.innerHTML=xhttp.responseText; } } var qs='https://www.aseanbriefing.com/searchAll?q=' + encodeURIComponent(keyword)+'&type='+type; if(region_checkbox_val!=""){ qs+="&region="+region_checkbox_val; } xhttp.open("GET", qs, true); xhttp.send(); } return false; } // Assign Search Timer var delayTimer; function handleTimer(){ clearTimeout(delayTimer); delayTimer = setTimeout(doSearchAll,1000); } // Auto focus on search popup var searchModel=document.querySelector('.model-trigger[data-model="serach-modal"]'); if(searchModel){ searchModel.addEventListener('click',function(e){ window.setTimeout(function () { document.getElementById("searchKeyword").focus(); }, 20); }) } // Accordion toggle var coll = document.getElementsByClassName("guide-c"); var i; for (i = 0; i < coll.length; i++) { coll[i].addEventListener("click", function() { this.classList.toggle("active"); var guidecategorylist = this.nextElementSibling; if (guidecategorylist.style.display === "block") { guidecategorylist.style.display = "none"; } else { guidecategorylist.style.display = "block"; } }); } </script> </div> </div> <div class="scrolldown-instruction"> <div class="arrow"></div> </div> <a class="top-link hide" href="" id="js-top"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"> <path d="M0 16.67l2.829 2.83 9.175-9.339 9.167 9.339 2.829-2.83-11.996-12.17z"></path> </svg> <span class="screen-reader-text">Back to top</span> </a> <div id="publication-preview" class="modal"> <span class="close" title="Close Modal">×</span> <div class="modal-content" action=""> <iframe class="publiction-preview-iframe" width="100%" frameborder="0" vspace="0" hspace="0" webkitallowfullscreen="" mozallowfullscreen="" allowfullscreen="" scrolling="auto" src="" style="min-height:500px;">Loading please wait...</iframe> </div> </div>  <script> // Check if the screen width corresponds to a mobile device if (window.innerWidth <= 768) { // Get the div element with the class "article-content" const articleContentDiv = document.querySelector('.article-content'); 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