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KOMIDA: Implementing Digital Microfinance in Indonesia
內容大綱
Koperasi Mitra Dhuafa (KOMIDA), the second largest microfinancing institution in Indonesia, was to launch its digital mobile platform by the end of 2018. The trial in selected field offices had begun. Among the many objectives, the new platform had to improve the efficiency and reliability of KOMIDA's nationwide field operations. The operational director, the point person for this initiative, had to make sure that the operations department back in its Jakarta headquarters could work well with more than 200 KOMIDA field offices nationwide. He keenly remembered the recent failure of a smart card pilot. It had to be scrapped due to cost concerns and a lack of acceptance from KOMIDA's clients. How could he ensure that the coming trials would lead to a successful rollout? What should he watch out for to keep things progressing smoothly? This case describes KOMIDA's motivations behind such an initiative and its challenges in managing the project and their vendor, TBOP. It discusses how IT project management should be mindful of the prevailing cultural and industry norms in a country. By focusing on digitalisation and the promise of deep analytics, it also discusses how an organisation can become "digital-ready".