{"version":"1.0.0","segments":[{"speaker":"Voice Over","startTime":2.129,"endTime":6.239,"body":"The aipp RCL b2b"},{"speaker":"Voice Over","startTime":2.129,"endTime":6.239,"body":"growth podcast is a series of"},{"speaker":"Voice Over","startTime":6.239,"endTime":9.809,"body":"fireside chats with business"},{"speaker":"Voice Over","startTime":6.239,"endTime":9.809,"body":"leaders in Southeast Asia"},{"speaker":"Voice Over","startTime":9.959,"endTime":14.279,"body":"focused on growth in the region."},{"speaker":"Voice Over","startTime":9.959,"endTime":14.279,"body":"topics discussed include"},{"speaker":"Voice Over","startTime":14.279,"endTime":17.969,"body":"business strategy, sales and"},{"speaker":"Voice Over","startTime":14.279,"endTime":17.969,"body":"marketing, enterprise technology"},{"speaker":"Voice Over","startTime":18.029,"endTime":19.139,"body":"and innovation."},{"speaker":"YY - AIBP","startTime":28.03,"endTime":31.51,"body":"Hello, and welcome to"},{"speaker":"YY - AIBP","startTime":28.03,"endTime":31.51,"body":"this episode of the AIBP ASEAN"},{"speaker":"YY - AIBP","startTime":31.51,"endTime":35.26,"body":"b2b growth podcast, where we"},{"speaker":"YY - AIBP","startTime":31.51,"endTime":35.26,"body":"feature individuals that are"},{"speaker":"YY - AIBP","startTime":35.26,"endTime":39.01,"body":"driving the growth and"},{"speaker":"YY - AIBP","startTime":35.26,"endTime":39.01,"body":"innovation within the southeast"},{"speaker":"YY - AIBP","startTime":39.01,"endTime":43.36,"body":"Asia b2b landscape. I'm very"},{"speaker":"YY - AIBP","startTime":39.01,"endTime":43.36,"body":"happy to have with us here Mas"},{"speaker":"YY - AIBP","startTime":43.36,"endTime":50.11,"body":"Yogi Rizkian, who you may know"},{"speaker":"YY - AIBP","startTime":43.36,"endTime":50.11,"body":"is the CEO of LinkAja. One of"},{"speaker":"YY - AIBP","startTime":50.11,"endTime":54.37,"body":"the largest payment ecosystems"},{"speaker":"YY - AIBP","startTime":50.11,"endTime":54.37,"body":"are e wallets that is being used"},{"speaker":"YY - AIBP","startTime":54.37,"endTime":57.97,"body":"in Indonesia itself. Without"},{"speaker":"YY - AIBP","startTime":54.37,"endTime":57.97,"body":"further ado, maybe I can get my"},{"speaker":"YY - AIBP","startTime":58.0,"endTime":61.15,"body":"Yogi to give an introduction of"},{"speaker":"YY - AIBP","startTime":58.0,"endTime":61.15,"body":"himself and his role at LinkAja"},{"speaker":"Unknown","startTime":62.62,"endTime":68.8,"body":"Okay, thank you. So my"},{"speaker":"Unknown","startTime":62.62,"endTime":68.8,"body":"name is Yogi Rizkian Bahar I am"},{"speaker":"Unknown","startTime":68.8,"endTime":75.1,"body":"now the CEO of Ling Agia. And my"},{"speaker":"Unknown","startTime":68.8,"endTime":75.1,"body":"former assignment is actually"},{"speaker":"Unknown","startTime":75.1,"endTime":79.84,"body":"the CEO of telkomsel, which is"},{"speaker":"Unknown","startTime":75.1,"endTime":79.84,"body":"the telecom subsidiaries in"},{"speaker":"Unknown","startTime":79.87,"endTime":84.7,"body":"Timor Leste. And in terms of"},{"speaker":"Unknown","startTime":79.87,"endTime":84.7,"body":"what I'm doing in there is"},{"speaker":"Unknown","startTime":84.7,"endTime":88.81,"body":"actually I did a turn around the"},{"speaker":"Unknown","startTime":84.7,"endTime":88.81,"body":"company actually, from negative"},{"speaker":"Unknown","startTime":88.81,"endTime":94.87,"body":"to positive EDITDA. And I create"},{"speaker":"Unknown","startTime":88.81,"endTime":94.87,"body":"the innovative platform in Timor"},{"speaker":"Unknown","startTime":94.87,"endTime":100.09,"body":"Leste we have mighty Morris"},{"speaker":"Unknown","startTime":94.87,"endTime":100.09,"body":"actually right hailing in the"},{"speaker":"Unknown","startTime":100.09,"endTime":104.62,"body":"first ride, hailing intermodal"},{"speaker":"Unknown","startTime":100.09,"endTime":104.62,"body":"listing. And also we have Milo j"},{"speaker":"Unknown","startTime":104.62,"endTime":109.48,"body":"is like E commerce platform like"},{"speaker":"Unknown","startTime":104.62,"endTime":109.48,"body":"bucola Park and Tokopedia in"},{"speaker":"Unknown","startTime":110.35,"endTime":114.91,"body":"Indonesia, and also the pay or"},{"speaker":"Unknown","startTime":110.35,"endTime":114.91,"body":"Telkom tell paisa you all so we"},{"speaker":"Unknown","startTime":114.91,"endTime":118.18,"body":"have a complete ecosystem"},{"speaker":"Unknown","startTime":114.91,"endTime":118.18,"body":"platform ecosystem in Timor"},{"speaker":"Unknown","startTime":118.18,"endTime":122.35,"body":"Leste there and doing that it's"},{"speaker":"Unknown","startTime":118.18,"endTime":122.35,"body":"actually doing the innovations I"},{"speaker":"Unknown","startTime":122.38,"endTime":126.31,"body":"mean it successfully to have a"},{"speaker":"Unknown","startTime":122.38,"endTime":126.31,"body":"positive EBITDA already and plus"},{"speaker":"Unknown","startTime":126.31,"endTime":131.2,"body":"net income. So I come back and"},{"speaker":"Unknown","startTime":126.31,"endTime":131.2,"body":"then now I am also to be"},{"speaker":"Unknown","startTime":131.2,"endTime":136.66,"body":"assigned in LinkAja is the same"},{"speaker":"Unknown","startTime":131.2,"endTime":136.66,"body":"situations now I'm driving the"},{"speaker":"Unknown","startTime":137.77,"endTime":141.1,"body":"of course, the driving the"},{"speaker":"Unknown","startTime":137.77,"endTime":141.1,"body":"growth of the business and"},{"speaker":"Unknown","startTime":141.55,"endTime":144.61,"body":"hopefully we have also a"},{"speaker":"Unknown","startTime":141.55,"endTime":144.61,"body":"positive EBITDA. So because of"},{"speaker":"Unknown","startTime":144.64,"endTime":149.65,"body":"all the startup wagering is you"},{"speaker":"Unknown","startTime":144.64,"endTime":149.65,"body":"know, have issues in that in"},{"speaker":"Unknown","startTime":149.65,"endTime":153.1,"body":"particular that kind of"},{"speaker":"Unknown","startTime":149.65,"endTime":153.1,"body":"particular right. And LinkAja is"},{"speaker":"Unknown","startTime":153.1,"endTime":159.64,"body":"actually form in 2019 is"},{"speaker":"Unknown","startTime":153.1,"endTime":159.64,"body":"actually a synergy of 10"},{"speaker":"Unknown","startTime":159.67,"endTime":162.91,"body":"Indonesian state owned"},{"speaker":"Unknown","startTime":159.67,"endTime":162.91,"body":"enterprises. We have also been"},{"speaker":"Unknown","startTime":162.91,"endTime":168.61,"body":"adjust Sharia because Indonesia"},{"speaker":"Unknown","startTime":162.91,"endTime":168.61,"body":"is the most Muslim populations"},{"speaker":"Unknown","startTime":168.61,"endTime":171.94,"body":"right in Southeast Asia. So we"},{"speaker":"Unknown","startTime":168.61,"endTime":171.94,"body":"create also the first and the"},{"speaker":"Unknown","startTime":171.94,"endTime":176.77,"body":"only one now, looking at your"},{"speaker":"Unknown","startTime":171.94,"endTime":176.77,"body":"Sharia is Sharia compliant you"},{"speaker":"Unknown","startTime":176.77,"endTime":184.45,"body":"all so, and when I own got in"},{"speaker":"Unknown","startTime":176.77,"endTime":184.45,"body":"June 222, we are focusing on the"},{"speaker":"Unknown","startTime":184.57,"endTime":188.8,"body":"we call it to site business"},{"speaker":"Unknown","startTime":184.57,"endTime":188.8,"body":"models. Once of course, a b2c"},{"speaker":"Unknown","startTime":188.8,"endTime":193.3,"body":"sites, we still see we go to the"},{"speaker":"Unknown","startTime":188.8,"endTime":193.3,"body":"retail and now because we are"},{"speaker":"Unknown","startTime":193.3,"endTime":196.21,"body":"focusing on driving"},{"speaker":"Unknown","startTime":193.3,"endTime":196.21,"body":"profitability, we are focusing"},{"speaker":"Unknown","startTime":196.21,"endTime":199.48,"body":"on the how we create the"},{"speaker":"Unknown","startTime":196.21,"endTime":199.48,"body":"fundamental of the business now"},{"speaker":"Unknown","startTime":199.48,"endTime":204.13,"body":"we have an up law, we call it"},{"speaker":"Unknown","startTime":199.48,"endTime":204.13,"body":"b2c or b2b. Sorry. So we have"},{"speaker":"Unknown","startTime":204.13,"endTime":208.6,"body":"two sides business model, b2c"},{"speaker":"Unknown","startTime":204.13,"endTime":208.6,"body":"and b2b. So it's exact on your,"},{"speaker":"YY - AIBP","startTime":210.27,"endTime":212.34,"body":"the title of our"},{"speaker":"YY - AIBP","startTime":210.27,"endTime":212.34,"body":"podcast,"},{"speaker":"Unknown","startTime":212.37,"endTime":217.71,"body":"and we hope that in"},{"speaker":"Unknown","startTime":212.37,"endTime":217.71,"body":"this years into 23, we believe"},{"speaker":"Unknown","startTime":217.71,"endTime":221.04,"body":"that hopefully, we will become"},{"speaker":"Unknown","startTime":217.71,"endTime":221.04,"body":"on the first few orders that"},{"speaker":"Unknown","startTime":221.04,"endTime":222.42,"body":"have a positive EBITDA."},{"speaker":"YY - AIBP","startTime":222.87,"endTime":226.17,"body":"So in your"},{"speaker":"YY - AIBP","startTime":222.87,"endTime":226.17,"body":"perspective, that is just shot,"},{"speaker":"YY - AIBP","startTime":226.2,"endTime":230.07,"body":"you want to be the first e"},{"speaker":"YY - AIBP","startTime":226.2,"endTime":230.07,"body":"wallet with positive EBIT, da,"},{"speaker":"YY - AIBP","startTime":230.28,"endTime":234.6,"body":"is that how you'll be looking to"},{"speaker":"YY - AIBP","startTime":230.28,"endTime":234.6,"body":"differentiate link Agia from the"},{"speaker":"YY - AIBP","startTime":234.6,"endTime":236.58,"body":"rest of the ewallet? Place"},{"speaker":"Unknown","startTime":236.58,"endTime":239.995,"body":"in Indonesia? Exactly."},{"speaker":"Unknown","startTime":236.58,"endTime":239.995,"body":"So we know that the evil"},{"speaker":"Unknown","startTime":240.068,"endTime":244.647,"body":"ecosystem, it depends on their"},{"speaker":"Unknown","startTime":240.068,"endTime":244.647,"body":"ecosystems actually. So if we're"},{"speaker":"Unknown","startTime":244.72,"endTime":249.371,"body":"talking about Gopi, because they"},{"speaker":"Unknown","startTime":244.72,"endTime":249.371,"body":"have good go Jek and Tokopedia,"},{"speaker":"Unknown","startTime":249.444,"endTime":253.878,"body":"as Devi to see the ecosystems,"},{"speaker":"Unknown","startTime":249.444,"endTime":253.878,"body":"right, so all the transactions"},{"speaker":"Unknown","startTime":253.95,"endTime":258.456,"body":"in like, Go Jek and Tokopedia."},{"speaker":"Unknown","startTime":253.95,"endTime":258.456,"body":"Of course, they're using Google"},{"speaker":"Unknown","startTime":258.529,"endTime":263.035,"body":"Pay, right? And not only that,"},{"speaker":"Unknown","startTime":258.529,"endTime":263.035,"body":"if you see the graph, also they"},{"speaker":"Unknown","startTime":263.108,"endTime":267.323,"body":"have ofone as the E Wallet. So"},{"speaker":"Unknown","startTime":263.108,"endTime":267.323,"body":"the offer also is depend on"},{"speaker":"Unknown","startTime":267.396,"endTime":271.684,"body":"their ecosystem, they have a"},{"speaker":"Unknown","startTime":267.396,"endTime":271.684,"body":"great ecosystem. And lucky for"},{"speaker":"Unknown","startTime":271.757,"endTime":276.191,"body":"LNG is actually great. So grab"},{"speaker":"Unknown","startTime":271.757,"endTime":276.191,"body":"and go to is our shareholders."},{"speaker":"Unknown","startTime":276.263,"endTime":280.188,"body":"So if you go to Jakarta,"},{"speaker":"Unknown","startTime":276.263,"endTime":280.188,"body":"whatever and then you want to"},{"speaker":"Unknown","startTime":280.261,"endTime":284.767,"body":"buy something in Tokopedia or in"},{"speaker":"Unknown","startTime":280.261,"endTime":284.767,"body":"Goa that they can use LinkAja"},{"speaker":"Unknown","startTime":284.84,"endTime":289.055,"body":"vice versa if you use grab you"},{"speaker":"Unknown","startTime":284.84,"endTime":289.055,"body":"can use also lean agile, so"},{"speaker":"Unknown","startTime":289.128,"endTime":293.634,"body":"lucky we actually we have the"},{"speaker":"Unknown","startTime":289.128,"endTime":293.634,"body":"icon as a whole shareholders why"},{"speaker":"Unknown","startTime":293.707,"endTime":297.704,"body":"they have only The b2c"},{"speaker":"Unknown","startTime":293.707,"endTime":297.704,"body":"ecosystems is actually right. So"},{"speaker":"Unknown","startTime":297.777,"endTime":301.992,"body":"lean can tap in the ecosystem"},{"speaker":"Unknown","startTime":297.777,"endTime":301.992,"body":"and for the most is actually"},{"speaker":"Unknown","startTime":302.065,"endTime":306.498,"body":"lean agile they have also all"},{"speaker":"Unknown","startTime":302.065,"endTime":306.498,"body":"our we have our own ecosystems."},{"speaker":"Unknown","startTime":306.571,"endTime":310.932,"body":"Of course, a b2c, you can buy"},{"speaker":"Unknown","startTime":306.571,"endTime":310.932,"body":"pizza, you can buy airtime you"},{"speaker":"Unknown","startTime":311.005,"endTime":314.639,"body":"can buy the topic is our"},{"speaker":"Unknown","startTime":311.005,"endTime":314.639,"body":"shareholders actually tap"},{"speaker":"Unknown","startTime":314.711,"endTime":319.0,"body":"upsell. And we are also via"},{"speaker":"Unknown","startTime":314.711,"endTime":319.0,"body":"modeling channel via one of the"},{"speaker":"Unknown","startTime":319.072,"endTime":323.142,"body":"dealer beat dealer intercom"},{"speaker":"Unknown","startTime":319.072,"endTime":323.142,"body":"sales in terms of malaria in"},{"speaker":"Unknown","startTime":323.215,"endTime":327.939,"body":"general. So we also supply those"},{"speaker":"Unknown","startTime":323.215,"endTime":327.939,"body":"things to actually the ecosystem"},{"speaker":"Unknown","startTime":328.012,"endTime":332.518,"body":"the adult ecosystem, but I think"},{"speaker":"Unknown","startTime":328.012,"endTime":332.518,"body":"not only telephones and so we"},{"speaker":"Unknown","startTime":332.591,"endTime":336.879,"body":"have other vom and other SOP"},{"speaker":"Unknown","startTime":332.591,"endTime":336.879,"body":"other state of all enterprises"},{"speaker":"Unknown","startTime":336.952,"endTime":341.022,"body":"that we can tap into two years"},{"speaker":"Unknown","startTime":336.952,"endTime":341.022,"body":"ago lean agile, seems not"},{"speaker":"Unknown","startTime":341.095,"endTime":345.528,"body":"focused on that area, because"},{"speaker":"Unknown","startTime":341.095,"endTime":345.528,"body":"they we focus on the b2c sides."},{"speaker":"Unknown","startTime":345.601,"endTime":349.962,"body":"Now I interact when I pointed"},{"speaker":"Unknown","startTime":345.601,"endTime":349.962,"body":"SSC offering, I said this is a"},{"speaker":"Unknown","startTime":350.034,"endTime":354.613,"body":"huge problem, you know, this is"},{"speaker":"Unknown","startTime":350.034,"endTime":354.613,"body":"a huge gem. Actually, if we can"},{"speaker":"Unknown","startTime":354.686,"endTime":359.119,"body":"tap the Sol ecosystem and so"},{"speaker":"Unknown","startTime":354.686,"endTime":359.119,"body":"ecosystem of course, this is the"},{"speaker":"Unknown","startTime":359.192,"endTime":363.698,"body":"biggest ecosystem in Indonesia,"},{"speaker":"Unknown","startTime":359.192,"endTime":363.698,"body":"because you know, that all the"},{"speaker":"Unknown","startTime":363.771,"endTime":367.841,"body":"SOEs actually be the biggest"},{"speaker":"Unknown","startTime":363.771,"endTime":367.841,"body":"players, right? The biggest"},{"speaker":"Unknown","startTime":367.914,"endTime":372.347,"body":"platforms now have for like 60"},{"speaker":"Unknown","startTime":367.914,"endTime":372.347,"body":"years, maybe 60% of the market"},{"speaker":"Unknown","startTime":372.42,"endTime":376.635,"body":"shares were very strong number"},{"speaker":"Unknown","startTime":372.42,"endTime":376.635,"body":"one, in terms of all mobile"},{"speaker":"Unknown","startTime":376.708,"endTime":380.924,"body":"operators predominate, the only"},{"speaker":"Unknown","startTime":376.708,"endTime":380.924,"body":"one of course Hemara belly"},{"speaker":"Unknown","startTime":380.996,"endTime":385.066,"body":"sexually brr BNI and Mandiri"},{"speaker":"Unknown","startTime":380.996,"endTime":385.066,"body":"joined together is actually"},{"speaker":"Unknown","startTime":385.139,"endTime":389.209,"body":"maybe sort of around 80% of the"},{"speaker":"Unknown","startTime":385.139,"endTime":389.209,"body":"customer. So this is the"},{"speaker":"Unknown","startTime":389.282,"endTime":393.715,"body":"ecosystem that huge then we have"},{"speaker":"Unknown","startTime":389.282,"endTime":393.715,"body":"to tap in. So that's why the"},{"speaker":"Unknown","startTime":393.788,"endTime":397.931,"body":"role model concept is actually"},{"speaker":"Unknown","startTime":393.788,"endTime":397.931,"body":"the the idea will not only"},{"speaker":"Unknown","startTime":398.004,"endTime":402.074,"body":"maintain the b2c but we are"},{"speaker":"Unknown","startTime":398.004,"endTime":402.074,"body":"focusing on tapping the echo"},{"speaker":"Unknown","startTime":402.146,"endTime":406.653,"body":"system or the SOP and now we are"},{"speaker":"Unknown","startTime":402.146,"endTime":406.653,"body":"working on it. That's why our"},{"speaker":"Unknown","startTime":406.725,"endTime":410.941,"body":"revenue now is quite good."},{"speaker":"Unknown","startTime":406.725,"endTime":410.941,"body":"Hopefully, in this year, we are"},{"speaker":"Unknown","startTime":411.013,"endTime":415.592,"body":"managed to have a positive m\u0026a"},{"speaker":"Unknown","startTime":411.013,"endTime":415.592,"body":"is a good news for us the key of"},{"speaker":"Unknown","startTime":415.665,"endTime":420.244,"body":"innovation is actually what is"},{"speaker":"Unknown","startTime":415.665,"endTime":420.244,"body":"the pain point of the customers."},{"speaker":"Unknown","startTime":420.317,"endTime":424.823,"body":"So so it's not only you do you"},{"speaker":"Unknown","startTime":420.317,"endTime":424.823,"body":"do like you know all we have to"},{"speaker":"Unknown","startTime":424.896,"endTime":429.038,"body":"do this word is quite good for"},{"speaker":"Unknown","startTime":424.896,"endTime":429.038,"body":"the media, but there is no"},{"speaker":"Unknown","startTime":429.111,"endTime":433.399,"body":"impact for the customers and"},{"speaker":"Unknown","startTime":429.111,"endTime":433.399,"body":"this customer will give us the"},{"speaker":"Unknown","startTime":433.472,"endTime":437.469,"body":"revenues right? So basic"},{"speaker":"Unknown","startTime":433.472,"endTime":437.469,"body":"innovation is actually focused"},{"speaker":"Unknown","startTime":437.542,"endTime":441.976,"body":"on what is the how you solve"},{"speaker":"Unknown","startTime":437.542,"endTime":441.976,"body":"your pain point customers that I"},{"speaker":"Unknown","startTime":442.048,"endTime":446.554,"body":"refer to Telkom SAS, that's why"},{"speaker":"Unknown","startTime":442.048,"endTime":446.554,"body":"the DD POS ecosystem, they are"},{"speaker":"Unknown","startTime":446.627,"endTime":451.133,"body":"focusing on how we know exactly"},{"speaker":"Unknown","startTime":446.627,"endTime":451.133,"body":"the the resellers performance,"},{"speaker":"Unknown","startTime":451.206,"endTime":455.349,"body":"right? How they know who is"},{"speaker":"Unknown","startTime":451.206,"endTime":455.349,"body":"their reseller who is the the"},{"speaker":"Unknown","startTime":455.421,"endTime":459.71,"body":"one who give the revenue to"},{"speaker":"Unknown","startTime":455.421,"endTime":459.71,"body":"telecom sales and understanding"},{"speaker":"Unknown","startTime":459.782,"endTime":464.143,"body":"that what is the kind of the"},{"speaker":"Unknown","startTime":459.782,"endTime":464.143,"body":"pain point of the resellers. So"},{"speaker":"Unknown","startTime":464.216,"endTime":468.649,"body":"the POS ecosystem is also giving"},{"speaker":"Unknown","startTime":464.216,"endTime":468.649,"body":"a lot of solutions for their"},{"speaker":"Unknown","startTime":468.722,"endTime":472.938,"body":"resellers, for instance, that in"},{"speaker":"Unknown","startTime":468.722,"endTime":472.938,"body":"the past, we are not only"},{"speaker":"Unknown","startTime":473.01,"endTime":477.516,"body":"selling wholesale, we are not"},{"speaker":"Unknown","startTime":473.01,"endTime":477.516,"body":"selling data packets or airtime."},{"speaker":"Unknown","startTime":477.589,"endTime":481.877,"body":"We are also selling like digital"},{"speaker":"Unknown","startTime":477.589,"endTime":481.877,"body":"products. For instance, in"},{"speaker":"Unknown","startTime":481.95,"endTime":486.311,"body":"Indonesia, of course, we are"},{"speaker":"Unknown","startTime":481.95,"endTime":486.311,"body":"using like prepare token PL and"},{"speaker":"Unknown","startTime":486.383,"endTime":491.108,"body":"electricity, we sell those kinds"},{"speaker":"Unknown","startTime":486.383,"endTime":491.108,"body":"of things also that it gives the"},{"speaker":"Unknown","startTime":491.18,"endTime":495.469,"body":"revenue also for the resellers."},{"speaker":"Unknown","startTime":491.18,"endTime":495.469,"body":"So on the sales selling the"},{"speaker":"Unknown","startTime":495.541,"endTime":499.248,"body":"airtime, but they also give"},{"speaker":"Unknown","startTime":495.541,"endTime":499.248,"body":"another revenue for the"},{"speaker":"Unknown","startTime":499.321,"endTime":504.045,"body":"reseller. So this is kind of the"},{"speaker":"Unknown","startTime":499.321,"endTime":504.045,"body":"what is the pinpoint what how we"},{"speaker":"Unknown","startTime":504.118,"endTime":508.188,"body":"can drive the revenue to"},{"speaker":"Unknown","startTime":504.118,"endTime":508.188,"body":"reseller and it will be go back"},{"speaker":"Unknown","startTime":508.26,"endTime":512.694,"body":"to us right. So this is kind of"},{"speaker":"Unknown","startTime":508.26,"endTime":512.694,"body":"the the important is and when"},{"speaker":"Unknown","startTime":512.767,"endTime":517.055,"body":"our employees when our teams"},{"speaker":"Unknown","startTime":512.767,"endTime":517.055,"body":"actually understand about this"},{"speaker":"Unknown","startTime":517.127,"endTime":521.561,"body":"one, then we create something"},{"speaker":"Unknown","startTime":517.127,"endTime":521.561,"body":"that it will be directly impact"},{"speaker":"Unknown","startTime":521.634,"endTime":526.067,"body":"to our company, of course. So"},{"speaker":"Unknown","startTime":521.634,"endTime":526.067,"body":"this the focus that actually in"},{"speaker":"Unknown","startTime":526.14,"endTime":530.137,"body":"terms of we are not talking"},{"speaker":"Unknown","startTime":526.14,"endTime":530.137,"body":"about how we can, let's say"},{"speaker":"Unknown","startTime":530.21,"endTime":534.862,"body":"create the numbers have Amani to"},{"speaker":"Unknown","startTime":530.21,"endTime":534.862,"body":"have a complex for that no, but"},{"speaker":"Unknown","startTime":534.934,"endTime":539.368,"body":"still focus what kind of the"},{"speaker":"Unknown","startTime":534.934,"endTime":539.368,"body":"solution that we can give to our"},{"speaker":"Unknown","startTime":539.44,"endTime":543.656,"body":"customers that can solve the"},{"speaker":"Unknown","startTime":539.44,"endTime":543.656,"body":"pain point. That's the focus,"},{"speaker":"Unknown","startTime":543.729,"endTime":548.09,"body":"actually, because when we can"},{"speaker":"Unknown","startTime":543.729,"endTime":548.09,"body":"focus on that it will be bring"},{"speaker":"Unknown","startTime":548.162,"endTime":552.596,"body":"our revenue for us. That's 111"},{"speaker":"Unknown","startTime":548.162,"endTime":552.596,"body":"thing in terms of how we drive"},{"speaker":"Unknown","startTime":552.668,"endTime":557.102,"body":"the innovation to create revenue"},{"speaker":"Unknown","startTime":552.668,"endTime":557.102,"body":"due to how we solve the pain"},{"speaker":"Unknown","startTime":557.175,"endTime":561.245,"body":"point of the customer. The"},{"speaker":"Unknown","startTime":557.175,"endTime":561.245,"body":"second one yes, of course, we"},{"speaker":"Unknown","startTime":561.317,"endTime":565.17,"body":"are still focusing on how we can"},{"speaker":"Unknown","startTime":561.317,"endTime":565.17,"body":"reduce our costs. So"},{"speaker":"YY - AIBP","startTime":565.59,"endTime":568.65,"body":"when we talk about"},{"speaker":"YY - AIBP","startTime":565.59,"endTime":568.65,"body":"the measurement of innovation"},{"speaker":"YY - AIBP","startTime":568.65,"endTime":572.61,"body":"success, it's not so much about"},{"speaker":"YY - AIBP","startTime":568.65,"endTime":572.61,"body":"putting capital for r\u0026d, but"},{"speaker":"YY - AIBP","startTime":572.61,"endTime":576.27,"body":"rather going back to like the"},{"speaker":"YY - AIBP","startTime":572.61,"endTime":576.27,"body":"user centric innovation, right?"},{"speaker":"YY - AIBP","startTime":577.41,"endTime":580.86,"body":"Making them partners of the"},{"speaker":"YY - AIBP","startTime":577.41,"endTime":580.86,"body":"company and seeing where are the"},{"speaker":"YY - AIBP","startTime":580.89,"endTime":585.84,"body":"areas they can drive innovation"},{"speaker":"YY - AIBP","startTime":580.89,"endTime":585.84,"body":"on their own. It was a great"},{"speaker":"YY - AIBP","startTime":585.84,"endTime":587.61,"body":"point. Yeah."},{"speaker":"Unknown","startTime":588.12,"endTime":592.35,"body":"That's why of course,"},{"speaker":"Unknown","startTime":588.12,"endTime":592.35,"body":"as some management that how we"},{"speaker":"Unknown","startTime":592.35,"endTime":596.52,"body":"can give the way. This is the"},{"speaker":"Unknown","startTime":592.35,"endTime":596.52,"body":"key and also how we can give the"},{"speaker":"Unknown","startTime":596.52,"endTime":601.23,"body":"way how we can support our team"},{"speaker":"Unknown","startTime":596.52,"endTime":601.23,"body":"too. Create the inefficiency,"},{"speaker":"Unknown","startTime":601.26,"endTime":604.47,"body":"because something inefficient"},{"speaker":"Unknown","startTime":601.26,"endTime":604.47,"body":"need to have the way or the the"},{"speaker":"Unknown","startTime":604.47,"endTime":611.22,"body":"path to go on. Right. And a lot"},{"speaker":"Unknown","startTime":604.47,"endTime":611.22,"body":"of company doing that. Also, in"},{"speaker":"Unknown","startTime":611.22,"endTime":613.59,"body":"my previous company at our"},{"speaker":"Unknown","startTime":611.22,"endTime":613.59,"body":"company, there's a lot of"},{"speaker":"Unknown","startTime":613.59,"endTime":616.92,"body":"programs that how we create the"},{"speaker":"Unknown","startTime":613.59,"endTime":616.92,"body":"innovations and the data. Now,"},{"speaker":"Unknown","startTime":616.92,"endTime":620.67,"body":"we also emulated that kind of"},{"speaker":"Unknown","startTime":616.92,"endTime":620.67,"body":"the program to our employees."},{"speaker":"Unknown","startTime":620.85,"endTime":623.76,"body":"But the most important one,"},{"speaker":"Unknown","startTime":620.85,"endTime":623.76,"body":"that's Well, I think, the sense"},{"speaker":"Unknown","startTime":623.76,"endTime":628.86,"body":"of belonging, and how you serve"},{"speaker":"Unknown","startTime":623.76,"endTime":628.86,"body":"the customers, even when I have"},{"speaker":"Unknown","startTime":628.86,"endTime":634.08,"body":"the complaint from our customers"},{"speaker":"Unknown","startTime":628.86,"endTime":634.08,"body":"in I, I have Instagram where I'm"},{"speaker":"Unknown","startTime":634.08,"endTime":637.8,"body":"trustable. And then sometimes"},{"speaker":"Unknown","startTime":634.08,"endTime":637.8,"body":"customers complain to ask, and"},{"speaker":"Unknown","startTime":637.8,"endTime":642.33,"body":"directly this company dispose of"},{"speaker":"Unknown","startTime":637.8,"endTime":642.33,"body":"passive, I put in the view the"},{"speaker":"Unknown","startTime":642.33,"endTime":648.3,"body":"meat and beauty of it, because"},{"speaker":"Unknown","startTime":642.33,"endTime":648.3,"body":"the I talked to all the"},{"speaker":"Unknown","startTime":648.3,"endTime":653.55,"body":"employees that a every customers"},{"speaker":"Unknown","startTime":648.3,"endTime":653.55,"body":"matters, because our review is"},{"speaker":"Unknown","startTime":653.55,"endTime":657.69,"body":"coming from their spending,"},{"speaker":"Unknown","startTime":653.55,"endTime":657.69,"body":"right? So they are all my boss,"},{"speaker":"Unknown","startTime":657.72,"endTime":665.22,"body":"they're all our boss. So giving"},{"speaker":"Unknown","startTime":657.72,"endTime":665.22,"body":"that kind of mean the focus, so"},{"speaker":"Unknown","startTime":665.22,"endTime":668.1,"body":"all the employees understand"},{"speaker":"Unknown","startTime":665.22,"endTime":668.1,"body":"that every voice of the"},{"speaker":"Unknown","startTime":668.1,"endTime":671.16,"body":"customers matters. Now, we are"},{"speaker":"Unknown","startTime":668.1,"endTime":671.16,"body":"trying a lot of software"},{"speaker":"Unknown","startTime":671.16,"endTime":674.91,"body":"customers complain incessantly"},{"speaker":"Unknown","startTime":671.16,"endTime":674.91,"body":"something like that, how we can"},{"speaker":"Unknown","startTime":674.91,"endTime":678.96,"body":"reduce a lot of the complaints."},{"speaker":"Unknown","startTime":674.91,"endTime":678.96,"body":"Of course, in of course, the"},{"speaker":"Unknown","startTime":678.99,"endTime":682.08,"body":"ewallet, there is a lot of"},{"speaker":"Unknown","startTime":678.99,"endTime":682.08,"body":"transactions, there are some"},{"speaker":"Unknown","startTime":682.08,"endTime":685.56,"body":"things that there is an issue,"},{"speaker":"Unknown","startTime":682.08,"endTime":685.56,"body":"then how we can reduce it, that"},{"speaker":"Unknown","startTime":685.56,"endTime":688.44,"body":"was number one. And the second"},{"speaker":"Unknown","startTime":685.56,"endTime":688.44,"body":"one in terms of the interface"},{"speaker":"Unknown","startTime":688.44,"endTime":693.09,"body":"and how we can bring the"},{"speaker":"Unknown","startTime":688.44,"endTime":693.09,"body":"convenience of the customers,"},{"speaker":"Unknown","startTime":693.36,"endTime":696.69,"body":"they buy things they're spending"},{"speaker":"Unknown","startTime":693.36,"endTime":696.69,"body":"they're spending in our"},{"speaker":"Unknown","startTime":696.69,"endTime":700.29,"body":"ecosystem, without any hassle or"},{"speaker":"Unknown","startTime":696.69,"endTime":700.29,"body":"something like that. So this is"},{"speaker":"Unknown","startTime":700.29,"endTime":704.31,"body":"also one of the consideration,"},{"speaker":"Unknown","startTime":700.29,"endTime":704.31,"body":"that innovation is the key how"},{"speaker":"Unknown","startTime":704.31,"endTime":706.41,"body":"we can make our customers safe."},{"speaker":"YY - AIBP","startTime":706.47,"endTime":710.73,"body":"Take a step back, we"},{"speaker":"YY - AIBP","startTime":706.47,"endTime":710.73,"body":"last spoke to you at our"},{"speaker":"YY - AIBP","startTime":710.73,"endTime":713.61,"body":"conference in Jakarta. And one"},{"speaker":"YY - AIBP","startTime":710.73,"endTime":713.61,"body":"of the things that you have"},{"speaker":"YY - AIBP","startTime":713.61,"endTime":717.66,"body":"mentioned very strongly"},{"speaker":"YY - AIBP","startTime":713.61,"endTime":717.66,"body":"advocating for Financial"},{"speaker":"YY - AIBP","startTime":717.66,"endTime":721.35,"body":"Inclusion. When we talked about"},{"speaker":"YY - AIBP","startTime":717.66,"endTime":721.35,"body":"financial inclusion in Southeast"},{"speaker":"YY - AIBP","startTime":721.38,"endTime":725.31,"body":"Asia, another country that has a"},{"speaker":"YY - AIBP","startTime":721.38,"endTime":725.31,"body":"quite a complex article about"},{"speaker":"YY - AIBP","startTime":725.31,"endTime":728.31,"body":"goal setting is also the"},{"speaker":"YY - AIBP","startTime":725.31,"endTime":728.31,"body":"Philippines. And one of the"},{"speaker":"YY - AIBP","startTime":728.31,"endTime":731.46,"body":"things they have mentioned, when"},{"speaker":"YY - AIBP","startTime":728.31,"endTime":731.46,"body":"we are looking at financial"},{"speaker":"YY - AIBP","startTime":731.46,"endTime":736.74,"body":"inclusion there is the link"},{"speaker":"YY - AIBP","startTime":731.46,"endTime":736.74,"body":"between connectivity and"},{"speaker":"YY - AIBP","startTime":736.74,"endTime":741.0,"body":"financial inclusion. In many of"},{"speaker":"YY - AIBP","startTime":736.74,"endTime":741.0,"body":"the tier two tier three cities,"},{"speaker":"YY - AIBP","startTime":741.0,"endTime":744.99,"body":"maybe connectivity is not there."},{"speaker":"YY - AIBP","startTime":741.0,"endTime":744.99,"body":"I thought you will be a great"},{"speaker":"YY - AIBP","startTime":744.99,"endTime":748.8,"body":"person to address this question"},{"speaker":"YY - AIBP","startTime":744.99,"endTime":748.8,"body":"because of your background."},{"speaker":"YY - AIBP","startTime":748.8,"endTime":752.28,"body":"Right. When you first went to"},{"speaker":"YY - AIBP","startTime":748.8,"endTime":752.28,"body":"Timor Leste when you were trying"},{"speaker":"YY - AIBP","startTime":752.28,"endTime":756.36,"body":"to build up the ecosystem over"},{"speaker":"YY - AIBP","startTime":752.28,"endTime":756.36,"body":"there. How does that replicate"},{"speaker":"YY - AIBP","startTime":756.39,"endTime":761.55,"body":"in your role at link agile when"},{"speaker":"YY - AIBP","startTime":756.39,"endTime":761.55,"body":"we are trying to maybe a softer"},{"speaker":"YY - AIBP","startTime":761.55,"endTime":765.84,"body":"problem or financial inclusion"},{"speaker":"YY - AIBP","startTime":761.55,"endTime":765.84,"body":"in Indonesia?"},{"speaker":"Unknown","startTime":766.62,"endTime":774.45,"body":"Yeah. Of course, the"},{"speaker":"Unknown","startTime":766.62,"endTime":774.45,"body":"financial inclusive, that we are"},{"speaker":"Unknown","startTime":774.45,"endTime":778.65,"body":"talking about, we still need the"},{"speaker":"Unknown","startTime":774.45,"endTime":778.65,"body":"infrastructure, this the key"},{"speaker":"Unknown","startTime":778.65,"endTime":785.19,"body":"one, while in when we have a"},{"speaker":"Unknown","startTime":778.65,"endTime":785.19,"body":"pandemic COVID-19 people are"},{"speaker":"Unknown","startTime":785.19,"endTime":789.48,"body":"forced to use the digital"},{"speaker":"Unknown","startTime":785.19,"endTime":789.48,"body":"ecosystem right before they're"},{"speaker":"Unknown","startTime":789.48,"endTime":792.72,"body":"using cast, they buy cast,"},{"speaker":"Unknown","startTime":789.48,"endTime":792.72,"body":"right, and then after the"},{"speaker":"Unknown","startTime":792.72,"endTime":796.65,"body":"pandemic, and then they still"},{"speaker":"Unknown","startTime":792.72,"endTime":796.65,"body":"they have to use the"},{"speaker":"Unknown","startTime":796.68,"endTime":799.89,"body":"application, something like"},{"speaker":"Unknown","startTime":796.68,"endTime":799.89,"body":"that. So in terms of lack of"},{"speaker":"Unknown","startTime":801.06,"endTime":803.82,"body":"alliteration, so about that, I"},{"speaker":"Unknown","startTime":801.06,"endTime":803.82,"body":"think to the customers to the"},{"speaker":"Unknown","startTime":803.82,"endTime":808.32,"body":"people to the all the"},{"speaker":"Unknown","startTime":803.82,"endTime":808.32,"body":"stakeholders, right? And the key"},{"speaker":"Unknown","startTime":808.32,"endTime":812.91,"body":"point is actually, yes, the"},{"speaker":"Unknown","startTime":808.32,"endTime":812.91,"body":"infrastructures, I think the"},{"speaker":"Unknown","startTime":813.63,"endTime":818.55,"body":"what we call it the challenge in"},{"speaker":"Unknown","startTime":813.63,"endTime":818.55,"body":"ACN is actually we have tier two"},{"speaker":"Unknown","startTime":818.55,"endTime":822.69,"body":"and tier three cities, right? is"},{"speaker":"Unknown","startTime":818.55,"endTime":822.69,"body":"quite different from let's say,"},{"speaker":"Unknown","startTime":822.78,"endTime":825.6,"body":"of course, Singapore's very"},{"speaker":"Unknown","startTime":822.78,"endTime":825.6,"body":"small one, right? You know,"},{"speaker":"Unknown","startTime":825.6,"endTime":830.22,"body":"Indonesia squat, 13,000 islands,"},{"speaker":"Unknown","startTime":825.6,"endTime":830.22,"body":"so you can imagine that and then"},{"speaker":"Unknown","startTime":830.88,"endTime":835.44,"body":"you need to cover all the all"},{"speaker":"Unknown","startTime":830.88,"endTime":835.44,"body":"the infrastructure there. While"},{"speaker":"Unknown","startTime":835.47,"endTime":839.55,"body":"it's not only talking about 2g,"},{"speaker":"Unknown","startTime":835.47,"endTime":839.55,"body":"right? You have to have like 3g,"},{"speaker":"Unknown","startTime":839.55,"endTime":844.2,"body":"4g, 5g, something like that. So"},{"speaker":"Unknown","startTime":839.55,"endTime":844.2,"body":"it's challenging in terms of how"},{"speaker":"Unknown","startTime":844.62,"endTime":849.24,"body":"financial inclusive to drive in"},{"speaker":"Unknown","startTime":844.62,"endTime":849.24,"body":"all the area of Indonesia and"},{"speaker":"Unknown","startTime":849.24,"endTime":852.33,"body":"especially of course, in Asia,"},{"speaker":"Unknown","startTime":849.24,"endTime":852.33,"body":"because it's we had the same we"},{"speaker":"Unknown","startTime":852.33,"endTime":856.2,"body":"have the same cultures, we have"},{"speaker":"Unknown","startTime":852.33,"endTime":856.2,"body":"the same infrastructures. I"},{"speaker":"Unknown","startTime":856.2,"endTime":861.42,"body":"think now yeah. Because now I'm"},{"speaker":"Unknown","startTime":856.2,"endTime":861.42,"body":"also be a treasurer of effect."},{"speaker":"Unknown","startTime":861.69,"endTime":866.19,"body":"This is an association of"},{"speaker":"Unknown","startTime":861.69,"endTime":866.19,"body":"FinTech in Indonesia. Now, we"},{"speaker":"Unknown","startTime":866.19,"endTime":869.7,"body":"spoke to the regulators also how"},{"speaker":"Unknown","startTime":866.19,"endTime":869.7,"body":"we drive also the"},{"speaker":"Unknown","startTime":869.7,"endTime":873.36,"body":"infrastructures in all area,"},{"speaker":"Unknown","startTime":869.7,"endTime":873.36,"body":"because this is the keyword"},{"speaker":"Unknown","startTime":873.36,"endTime":877.02,"body":"right now. And a lot of the"},{"speaker":"Unknown","startTime":873.36,"endTime":877.02,"body":"government program to have a"},{"speaker":"Unknown","startTime":877.02,"endTime":882.78,"body":"disbursement to all the you know"},{"speaker":"Unknown","startTime":877.02,"endTime":882.78,"body":"the pools under that. So this is"},{"speaker":"Unknown","startTime":882.78,"endTime":886.14,"body":"also need the infrastructure"},{"speaker":"Unknown","startTime":882.78,"endTime":886.14,"body":"because if they don't have any"},{"speaker":"Unknown","startTime":886.47,"endTime":889.5,"body":"infrastructure, they don't have"},{"speaker":"Unknown","startTime":886.47,"endTime":889.5,"body":"any signal. So you can imagine"},{"speaker":"Unknown","startTime":889.5,"endTime":893.73,"body":"how we can transfer it to the"},{"speaker":"Unknown","startTime":889.5,"endTime":893.73,"body":"upon the ewallet account. So the"},{"speaker":"Unknown","startTime":893.73,"endTime":898.11,"body":"key one is now is how we can"},{"speaker":"Unknown","startTime":893.73,"endTime":898.11,"body":"manage the infrastructures and"},{"speaker":"Unknown","startTime":898.11,"endTime":901.23,"body":"we already talked to the"},{"speaker":"Unknown","startTime":898.11,"endTime":901.23,"body":"governor And we have also talked"},{"speaker":"Unknown","startTime":901.23,"endTime":906.96,"body":"to the our shareholders of"},{"speaker":"Unknown","startTime":901.23,"endTime":906.96,"body":"startups. And so a lot of area"},{"speaker":"Unknown","startTime":906.96,"endTime":911.67,"body":"that actually is not, let's say"},{"speaker":"Unknown","startTime":906.96,"endTime":911.67,"body":"five 4g yet, and now they have a"},{"speaker":"Unknown","startTime":911.67,"endTime":915.21,"body":"program to cover it. So this is"},{"speaker":"Unknown","startTime":911.67,"endTime":915.21,"body":"kind of a collaborative data"},{"speaker":"Unknown","startTime":915.21,"endTime":918.51,"body":"infrastructure company. Right."},{"speaker":"Unknown","startTime":915.21,"endTime":918.51,"body":"And the second one is the"},{"speaker":"Unknown","startTime":918.51,"endTime":921.81,"body":"collaboration, I think, ASEAN is"},{"speaker":"Unknown","startTime":918.51,"endTime":921.81,"body":"quite good. I think it's quite"},{"speaker":"Unknown","startTime":921.81,"endTime":927.0,"body":"well, you know, that I've seen"},{"speaker":"Unknown","startTime":921.81,"endTime":927.0,"body":"loss loss years is actually the"},{"speaker":"Unknown","startTime":927.03,"endTime":930.9,"body":"older bank central have their"},{"speaker":"Unknown","startTime":927.03,"endTime":930.9,"body":"own collaborations that we can"},{"speaker":"Unknown","startTime":930.9,"endTime":938.01,"body":"use key are cross border. So"},{"speaker":"Unknown","startTime":930.9,"endTime":938.01,"body":"now, Indonesia can buy things to"},{"speaker":"Unknown","startTime":938.01,"endTime":943.65,"body":"Philippine sorry, to Thailand,"},{"speaker":"Unknown","startTime":938.01,"endTime":943.65,"body":"to Thailand using chiar. So"},{"speaker":"Unknown","startTime":943.65,"endTime":946.29,"body":"before we need to have a, you"},{"speaker":"Unknown","startTime":943.65,"endTime":946.29,"body":"know, you have to go to the"},{"speaker":"Unknown","startTime":946.29,"endTime":949.41,"body":"money changes, right, you have"},{"speaker":"Unknown","startTime":946.29,"endTime":949.41,"body":"to carry in cash, and then if"},{"speaker":"Unknown","startTime":949.41,"endTime":953.01,"body":"you go abroad, then you have to"},{"speaker":"Unknown","startTime":949.41,"endTime":953.01,"body":"travel there, and then you pay"},{"speaker":"Unknown","startTime":953.01,"endTime":957.66,"body":"by cash right now. Now, I think"},{"speaker":"Unknown","startTime":953.01,"endTime":957.66,"body":"it's open up right now. So the"},{"speaker":"Unknown","startTime":957.66,"endTime":961.68,"body":"strength of RAM of each area,"},{"speaker":"Unknown","startTime":957.66,"endTime":961.68,"body":"even the Asian not talking to"},{"speaker":"Unknown","startTime":961.68,"endTime":964.89,"body":"each other and creating the"},{"speaker":"Unknown","startTime":961.68,"endTime":964.89,"body":"ecosystem that if you have"},{"speaker":"Unknown","startTime":964.89,"endTime":969.06,"body":"curious in your own, then you"},{"speaker":"Unknown","startTime":964.89,"endTime":969.06,"body":"can use it to ask this is Dr."},{"speaker":"Unknown","startTime":969.09,"endTime":974.82,"body":"Also, the financial inclusion is"},{"speaker":"Unknown","startTime":969.09,"endTime":974.82,"body":"not only in Indonesia, so but is"},{"speaker":"Unknown","startTime":974.88,"endTime":978.87,"body":"all the Asia Asia region, so"},{"speaker":"Unknown","startTime":974.88,"endTime":978.87,"body":"Asian region, so this is a good"},{"speaker":"Unknown","startTime":979.14,"endTime":983.82,"body":"a good news for us. And now I"},{"speaker":"Unknown","startTime":979.14,"endTime":983.82,"body":"believe that Japan also want to"},{"speaker":"Unknown","startTime":983.82,"endTime":987.6,"body":"come in so this is quite a good"},{"speaker":"Unknown","startTime":983.82,"endTime":987.6,"body":"it's not only Asia, so now"},{"speaker":"Unknown","startTime":987.6,"endTime":992.58,"body":"Japan, and also Saudi Arabia, so"},{"speaker":"Unknown","startTime":987.6,"endTime":992.58,"body":"UAE, so this kind of the good"},{"speaker":"Unknown","startTime":992.58,"endTime":997.71,"body":"things that everyone the FDA,"},{"speaker":"Unknown","startTime":992.58,"endTime":997.71,"body":"they have in hand handphone"},{"speaker":"Unknown","startTime":997.89,"endTime":1001.04,"body":"there for you all, in their in"},{"speaker":"Unknown","startTime":997.89,"endTime":1001.04,"body":"their handful they can go"},{"speaker":"Unknown","startTime":1001.04,"endTime":1005.15,"body":"abroad, they can use it, wow. If"},{"speaker":"Unknown","startTime":1001.04,"endTime":1005.15,"body":"we can do that, you can imagine"},{"speaker":"Unknown","startTime":1005.15,"endTime":1010.7,"body":"that there is no caste anymore."},{"speaker":"Unknown","startTime":1005.15,"endTime":1010.7,"body":"So we go through the goes to the"},{"speaker":"Unknown","startTime":1010.7,"endTime":1014.81,"body":"digital digital era already. So"},{"speaker":"Unknown","startTime":1010.7,"endTime":1014.81,"body":"I think that the pen is quite"},{"speaker":"Unknown","startTime":1014.81,"endTime":1018.35,"body":"good. It's quite well, I believe"},{"speaker":"Unknown","startTime":1014.81,"endTime":1018.35,"body":"that maybe in three or four"},{"speaker":"Unknown","startTime":1018.35,"endTime":1022.82,"body":"years, I believe Asian or can"},{"speaker":"Unknown","startTime":1018.35,"endTime":1022.82,"body":"connect it there when central"},{"speaker":"Unknown","startTime":1022.82,"endTime":1026.57,"body":"they're switching can connect"},{"speaker":"Unknown","startTime":1022.82,"endTime":1026.57,"body":"them. And we can travel a lot"},{"speaker":"Unknown","startTime":1027.35,"endTime":1032.99,"body":"can go Singapore, by some nasty"},{"speaker":"Unknown","startTime":1027.35,"endTime":1032.99,"body":"lemma or and then using a PR,"},{"speaker":"Unknown","startTime":1032.99,"endTime":1036.02,"body":"right. That's a good thing. I"},{"speaker":"Unknown","startTime":1032.99,"endTime":1036.02,"body":"think that's that's kind of the"},{"speaker":"Unknown","startTime":1036.02,"endTime":1037.34,"body":"collaboration that we are doing."},{"speaker":"YY - AIBP","startTime":1037.609,"endTime":1042.199,"body":"When you look at the"},{"speaker":"YY - AIBP","startTime":1037.609,"endTime":1042.199,"body":"traditional banks, who are also"},{"speaker":"YY - AIBP","startTime":1042.199,"endTime":1046.639,"body":"stakeholders within link Agia."},{"speaker":"YY - AIBP","startTime":1042.199,"endTime":1046.639,"body":"How do you think each of the"},{"speaker":"YY - AIBP","startTime":1046.639,"endTime":1051.529,"body":"player can can work together in"},{"speaker":"YY - AIBP","startTime":1046.639,"endTime":1051.529,"body":"driving the right financial"},{"speaker":"YY - AIBP","startTime":1051.529,"endTime":1053.209,"body":"ecosystem in Indonesia?"},{"speaker":"Unknown","startTime":1054.289,"endTime":1059.569,"body":"Yeah, I think now, the"},{"speaker":"Unknown","startTime":1054.289,"endTime":1059.569,"body":"policy in bonds, the Indonesians"},{"speaker":"Unknown","startTime":1059.599,"endTime":1064.129,"body":"gangster and for a while, it's"},{"speaker":"Unknown","startTime":1059.599,"endTime":1064.129,"body":"open right now. So before the"},{"speaker":"Unknown","startTime":1064.129,"endTime":1068.179,"body":"bend, don't have any curious."},{"speaker":"Unknown","startTime":1064.129,"endTime":1068.179,"body":"Right? And now you want to"},{"speaker":"Unknown","startTime":1068.179,"endTime":1071.989,"body":"disrupt it when you're curious."},{"speaker":"Unknown","startTime":1068.179,"endTime":1071.989,"body":"But now banks actually do their"},{"speaker":"Unknown","startTime":1071.989,"endTime":1075.319,"body":"innovation. So so they have"},{"speaker":"Unknown","startTime":1071.989,"endTime":1075.319,"body":"their own application, they can"},{"speaker":"Unknown","startTime":1075.319,"endTime":1078.499,"body":"have a curious they can buy"},{"speaker":"Unknown","startTime":1075.319,"endTime":1078.499,"body":"anything. So actually, we have,"},{"speaker":"Unknown","startTime":1078.709,"endTime":1083.839,"body":"like have to have, right. But"},{"speaker":"Unknown","startTime":1078.709,"endTime":1083.839,"body":"again, I believe that there is a"},{"speaker":"Unknown","startTime":1083.869,"endTime":1088.609,"body":"still lack of collaborations,"},{"speaker":"Unknown","startTime":1083.869,"endTime":1088.609,"body":"because in Indonesia, you know,"},{"speaker":"Unknown","startTime":1088.609,"endTime":1093.409,"body":"the people, the bank, the bank,"},{"speaker":"Unknown","startTime":1088.609,"endTime":1093.409,"body":"the bankable people who have a"},{"speaker":"Unknown","startTime":1093.409,"endTime":1099.889,"body":"bank account, is only 3030 to"},{"speaker":"Unknown","startTime":1093.409,"endTime":1099.889,"body":"35%. So this is still small"},{"speaker":"Unknown","startTime":1099.889,"endTime":1105.649,"body":"numbers, right? So that's why"},{"speaker":"Unknown","startTime":1099.889,"endTime":1105.649,"body":"Walmart is actually taking upon"},{"speaker":"Unknown","startTime":1106.039,"endTime":1110.509,"body":"to cover the digital ecosystem."},{"speaker":"Unknown","startTime":1106.039,"endTime":1110.509,"body":"So because you don't have to"},{"speaker":"Unknown","startTime":1110.599,"endTime":1115.999,"body":"bring your ID card, your lack of"},{"speaker":"Unknown","startTime":1110.599,"endTime":1115.999,"body":"documents, sometimes if you go"},{"speaker":"Unknown","startTime":1115.999,"endTime":1119.809,"body":"to the bank, you create an"},{"speaker":"Unknown","startTime":1115.999,"endTime":1119.809,"body":"account, but only enhanced set,"},{"speaker":"Unknown","startTime":1119.809,"endTime":1123.349,"body":"right, and then a handful you"},{"speaker":"Unknown","startTime":1119.809,"endTime":1123.349,"body":"have a numbers, then you can you"},{"speaker":"Unknown","startTime":1123.349,"endTime":1127.879,"body":"can have like, top up you can"},{"speaker":"Unknown","startTime":1123.349,"endTime":1127.879,"body":"and this top is actually not"},{"speaker":"Unknown","startTime":1127.909,"endTime":1130.699,"body":"going to the bank, you can top"},{"speaker":"Unknown","startTime":1127.909,"endTime":1130.699,"body":"up any when we look at"},{"speaker":"YY - AIBP","startTime":1130.73,"endTime":1134.24,"body":"partnership, amidst"},{"speaker":"YY - AIBP","startTime":1130.73,"endTime":1134.24,"body":"very strong competition, how do"},{"speaker":"YY - AIBP","startTime":1134.24,"endTime":1139.34,"body":"you craft out effective"},{"speaker":"YY - AIBP","startTime":1134.24,"endTime":1139.34,"body":"partnerships or collaboration"},{"speaker":"YY - AIBP","startTime":1139.55,"endTime":1143.42,"body":"programs that makes sure that"},{"speaker":"YY - AIBP","startTime":1139.55,"endTime":1143.42,"body":"everyone's interests are taken"},{"speaker":"YY - AIBP","startTime":1143.42,"endTime":1146.78,"body":"care of while also looking out"},{"speaker":"YY - AIBP","startTime":1143.42,"endTime":1146.78,"body":"for consumer benefits?"},{"speaker":"Unknown","startTime":1149.299,"endTime":1152.449,"body":"I always thought over"},{"speaker":"Unknown","startTime":1149.299,"endTime":1152.449,"body":"talking about a partnership is"},{"speaker":"Unknown","startTime":1152.449,"endTime":1156.499,"body":"talking about, hey, you know,"},{"speaker":"Unknown","startTime":1152.449,"endTime":1156.499,"body":"one plus one is talking about"},{"speaker":"Unknown","startTime":1156.499,"endTime":1161.029,"body":"partnership is true, you know,"},{"speaker":"Unknown","startTime":1156.499,"endTime":1161.029,"body":"one plus one is not two. So one"},{"speaker":"Unknown","startTime":1161.029,"endTime":1165.319,"body":"plus one is three, meaning that"},{"speaker":"Unknown","startTime":1161.029,"endTime":1165.319,"body":"everyone gets their benefits"},{"speaker":"Unknown","startTime":1165.799,"endTime":1170.479,"body":"that is extra to go around, is"},{"speaker":"Unknown","startTime":1165.799,"endTime":1170.479,"body":"if you partnering with others,"},{"speaker":"Unknown","startTime":1170.599,"endTime":1174.889,"body":"you can do one plus one is two,"},{"speaker":"Unknown","startTime":1170.599,"endTime":1174.889,"body":"because the one plus one is 201"},{"speaker":"Unknown","startTime":1174.889,"endTime":1179.659,"body":"plus one is one, maybe on the"},{"speaker":"Unknown","startTime":1174.889,"endTime":1179.659,"body":"three, finish, right? And so"},{"speaker":"Unknown","startTime":1179.689,"endTime":1185.089,"body":"even luck of partnership concept"},{"speaker":"Unknown","startTime":1179.689,"endTime":1185.089,"body":"is one plus one is two, but they"},{"speaker":"Unknown","startTime":1185.089,"endTime":1189.439,"body":"don't have any way to solve that"},{"speaker":"Unknown","startTime":1185.089,"endTime":1189.439,"body":"actually, as we collaborate but"},{"speaker":"Unknown","startTime":1189.439,"endTime":1196.339,"body":"not so we see the product the"},{"speaker":"Unknown","startTime":1189.439,"endTime":1196.339,"body":"partnership that bring us bring"},{"speaker":"Unknown","startTime":1196.339,"endTime":1201.199,"body":"us more values. That's the key"},{"speaker":"Unknown","startTime":1196.339,"endTime":1201.199,"body":"word so far. So as I mentioned"},{"speaker":"Unknown","startTime":1201.199,"endTime":1205.459,"body":"the CTO that, hey, we have the"},{"speaker":"Unknown","startTime":1201.199,"endTime":1205.459,"body":"ecosystem of the boss. So what"},{"speaker":"Unknown","startTime":1205.459,"endTime":1209.029,"body":"kind of the partnership that we"},{"speaker":"Unknown","startTime":1205.459,"endTime":1209.029,"body":"have in bank? We give the"},{"speaker":"Unknown","startTime":1209.029,"endTime":1213.529,"body":"lending, right? We give the"},{"speaker":"Unknown","startTime":1209.029,"endTime":1213.529,"body":"product if loan, Hey, first, you"},{"speaker":"Unknown","startTime":1213.529,"endTime":1216.619,"body":"got the closed loop ecosystem."},{"speaker":"Unknown","startTime":1213.529,"endTime":1216.619,"body":"This is the key word RAO of the"},{"speaker":"Unknown","startTime":1216.619,"endTime":1220.999,"body":"lending, lending. If you have an"},{"speaker":"Unknown","startTime":1216.619,"endTime":1220.999,"body":"open loop ecosystem, there is a"},{"speaker":"Unknown","startTime":1220.999,"endTime":1228.679,"body":"lot of abuse issues right now."},{"speaker":"Unknown","startTime":1220.999,"endTime":1228.679,"body":"Right? You know, online, Papa"},{"speaker":"Unknown","startTime":1228.769,"endTime":1234.829,"body":"lending this BNP, a lot of the"},{"speaker":"Unknown","startTime":1228.769,"endTime":1234.829,"body":"BF Pn is performing, it's going"},{"speaker":"Unknown","startTime":1234.829,"endTime":1237.949,"body":"up, right, a lot of because they"},{"speaker":"Unknown","startTime":1234.829,"endTime":1237.949,"body":"don't have any closed loop"},{"speaker":"Unknown","startTime":1237.949,"endTime":1241.219,"body":"ecosystem because they opened up"},{"speaker":"Unknown","startTime":1237.949,"endTime":1241.219,"body":"their lending something and that"},{"speaker":"Unknown","startTime":1241.219,"endTime":1244.699,"body":"they don't want to give give"},{"speaker":"Unknown","startTime":1241.219,"endTime":1244.699,"body":"back right, they go away. This"},{"speaker":"Unknown","startTime":1244.699,"endTime":1247.939,"body":"is a lot of problem. But in our"},{"speaker":"Unknown","startTime":1244.699,"endTime":1247.939,"body":"ecosystem, we have a close look"},{"speaker":"Unknown","startTime":1247.939,"endTime":1253.369,"body":"why? Because the omnibox is"},{"speaker":"Unknown","startTime":1247.939,"endTime":1253.369,"body":"still using the idea. So we can"},{"speaker":"Unknown","startTime":1253.369,"endTime":1257.839,"body":"force them to bid for it. So if"},{"speaker":"Unknown","startTime":1253.369,"endTime":1257.839,"body":"we were to buy posts out, they"},{"speaker":"Unknown","startTime":1257.839,"endTime":1261.829,"body":"want to buy and they have a pic,"},{"speaker":"Unknown","startTime":1257.839,"endTime":1261.829,"body":"they have to put the demand on"},{"speaker":"Unknown","startTime":1261.829,"endTime":1266.479,"body":"the link. And we can have the"},{"speaker":"Unknown","startTime":1261.829,"endTime":1266.479,"body":"debit, right? We have a credit"},{"speaker":"Unknown","startTime":1266.479,"endTime":1270.799,"body":"also every month that if you do"},{"speaker":"Unknown","startTime":1266.479,"endTime":1270.799,"body":"have a lending for that. So this"},{"speaker":"Unknown","startTime":1270.799,"endTime":1274.849,"body":"is kind of the one plus one is"},{"speaker":"Unknown","startTime":1270.799,"endTime":1274.849,"body":"three, right? So first, they get"},{"speaker":"Unknown","startTime":1274.849,"endTime":1278.869,"body":"revenue from the lending, aha,"},{"speaker":"Unknown","startTime":1274.849,"endTime":1278.869,"body":"they get the of course the"},{"speaker":"Unknown","startTime":1278.869,"endTime":1283.789,"body":"security of make use that there"},{"speaker":"Unknown","startTime":1278.869,"endTime":1283.789,"body":"is no abusing. There is no"},{"speaker":"Unknown","startTime":1283.789,"endTime":1286.519,"body":"fraudsters, something like that"},{"speaker":"Unknown","startTime":1283.789,"endTime":1286.519,"body":"in terms of lending."},{"speaker":"YY - AIBP","startTime":1286.55,"endTime":1290.57,"body":"When we look at"},{"speaker":"YY - AIBP","startTime":1286.55,"endTime":1290.57,"body":"Indonesia, what are some of the"},{"speaker":"YY - AIBP","startTime":1290.72,"endTime":1294.8,"body":"perspectives that you feel"},{"speaker":"YY - AIBP","startTime":1290.72,"endTime":1294.8,"body":"you're very excited about for"},{"speaker":"YY - AIBP","startTime":1294.8,"endTime":1295.55,"body":"Indonesia?"},{"speaker":"Unknown","startTime":1297.079,"endTime":1299.869,"body":"Yeah, Indonesia is"},{"speaker":"Unknown","startTime":1297.079,"endTime":1299.869,"body":"quite huge population, of"},{"speaker":"Unknown","startTime":1299.869,"endTime":1306.649,"body":"course, here 270 million. So"},{"speaker":"Unknown","startTime":1299.869,"endTime":1306.649,"body":"this is a big, huge market,"},{"speaker":"Unknown","startTime":1306.649,"endTime":1309.919,"body":"actually. And we know that there"},{"speaker":"Unknown","startTime":1306.649,"endTime":1309.919,"body":"is a lot of unbanked"},{"speaker":"Unknown","startTime":1310.219,"endTime":1314.449,"body":"populations. So we have a lot of"},{"speaker":"Unknown","startTime":1310.219,"endTime":1314.449,"body":"potential growth there."},{"speaker":"Unknown","startTime":1314.779,"endTime":1319.789,"body":"Actually, if we again, focus on"},{"speaker":"Unknown","startTime":1314.779,"endTime":1319.789,"body":"the customer needs that the key"},{"speaker":"Unknown","startTime":1319.789,"endTime":1323.629,"body":"point right now. So by doing so"},{"speaker":"Unknown","startTime":1319.789,"endTime":1323.629,"body":"we believe we can have to"},{"speaker":"Unknown","startTime":1323.629,"endTime":1327.349,"body":"promote economic of growth and"},{"speaker":"Unknown","startTime":1323.629,"endTime":1327.349,"body":"development by enabling people"},{"speaker":"Unknown","startTime":1327.349,"endTime":1332.329,"body":"to save invest, access credit,"},{"speaker":"Unknown","startTime":1327.349,"endTime":1332.329,"body":"something like that, right? Of"},{"speaker":"Unknown","startTime":1332.329,"endTime":1335.329,"body":"course FinTech players, such as"},{"speaker":"Unknown","startTime":1332.329,"endTime":1335.329,"body":"selling, I can have direct"},{"speaker":"Unknown","startTime":1335.329,"endTime":1338.989,"body":"access to those who may not have"},{"speaker":"Unknown","startTime":1335.329,"endTime":1338.989,"body":"access to the traditional"},{"speaker":"Unknown","startTime":1338.989,"endTime":1343.729,"body":"financial services. For whatever"},{"speaker":"Unknown","startTime":1338.989,"endTime":1343.729,"body":"reasons, of course, for simple"},{"speaker":"Unknown","startTime":1343.729,"endTime":1347.269,"body":"of course, wallet is simple,"},{"speaker":"Unknown","startTime":1343.729,"endTime":1347.269,"body":"secure, convenient, and can be"},{"speaker":"Unknown","startTime":1347.269,"endTime":1350.539,"body":"accessed by only having a"},{"speaker":"Unknown","startTime":1347.269,"endTime":1350.539,"body":"smartphone data and images you"},{"speaker":"Unknown","startTime":1350.539,"endTime":1356.269,"body":"before and internet connections."},{"speaker":"Unknown","startTime":1350.539,"endTime":1356.269,"body":"Right? So now going to go going,"},{"speaker":"Unknown","startTime":1356.299,"endTime":1361.669,"body":"I think this is the focus now"},{"speaker":"Unknown","startTime":1356.299,"endTime":1361.669,"body":"how we can penetrate the digital"},{"speaker":"Unknown","startTime":1361.669,"endTime":1365.959,"body":"inclusive, of course, the"},{"speaker":"Unknown","startTime":1361.669,"endTime":1365.959,"body":"financier, why are we driving"},{"speaker":"Unknown","startTime":1365.959,"endTime":1370.189,"body":"the rate, the literacy rate of"},{"speaker":"Unknown","startTime":1365.959,"endTime":1370.189,"body":"the smartphone, in Ethernet, and"},{"speaker":"Unknown","startTime":1370.219,"endTime":1373.819,"body":"in ASEAN is quite huge. So"},{"speaker":"Unknown","startTime":1370.219,"endTime":1373.819,"body":"that's why I believe in"},{"speaker":"Unknown","startTime":1373.819,"endTime":1378.019,"body":"Indonesia, there is a strong"},{"speaker":"Unknown","startTime":1373.819,"endTime":1378.019,"body":"potential growth. Right. And"},{"speaker":"Unknown","startTime":1378.019,"endTime":1380.689,"body":"then I think we have a lot of"},{"speaker":"Unknown","startTime":1378.019,"endTime":1380.689,"body":"collaboration that already"},{"speaker":"Unknown","startTime":1380.689,"endTime":1385.099,"body":"mentioned to before, we cannot"},{"speaker":"Unknown","startTime":1380.689,"endTime":1385.099,"body":"do by our own No, we will die,"},{"speaker":"Unknown","startTime":1385.099,"endTime":1389.149,"body":"you know, we will die we are"},{"speaker":"Unknown","startTime":1385.099,"endTime":1389.149,"body":"doing by our own collaboration."},{"speaker":"Unknown","startTime":1389.239,"endTime":1394.189,"body":"Partnership. Synergy is the key"},{"speaker":"Unknown","startTime":1389.239,"endTime":1394.189,"body":"one, the basic line is one plus"},{"speaker":"Unknown","startTime":1394.189,"endTime":1397.699,"body":"one is three. So everyone get"},{"speaker":"Unknown","startTime":1394.189,"endTime":1397.699,"body":"their benefit. Everyone get"},{"speaker":"Unknown","startTime":1397.699,"endTime":1401.539,"body":"their values, think that's a"},{"speaker":"Unknown","startTime":1397.699,"endTime":1401.539,"body":"good story, right? Yeah,"},{"speaker":"YY - AIBP","startTime":1401.569,"endTime":1405.049,"body":"I like that one plus"},{"speaker":"YY - AIBP","startTime":1401.569,"endTime":1405.049,"body":"one equals to tree simple,"},{"speaker":"YY - AIBP","startTime":1405.139,"endTime":1409.129,"body":"effective messaging. If you"},{"speaker":"YY - AIBP","startTime":1405.139,"endTime":1409.129,"body":"could do a shout out to partners"},{"speaker":"YY - AIBP","startTime":1409.129,"endTime":1412.369,"body":"who may want to work with Link"},{"speaker":"YY - AIBP","startTime":1409.129,"endTime":1412.369,"body":"Arja. What is something that"},{"speaker":"YY - AIBP","startTime":1412.369,"endTime":1415.819,"body":"didn't take note off when"},{"speaker":"YY - AIBP","startTime":1412.369,"endTime":1415.819,"body":"looking at partnership with you?"},{"speaker":"YY - AIBP","startTime":1416.869,"endTime":1420.619,"body":"Any kind of partners you're"},{"speaker":"YY - AIBP","startTime":1416.869,"endTime":1420.619,"body":"looking at? I was opening"},{"speaker":"Unknown","startTime":1421.549,"endTime":1425.509,"body":"any partnership? It's"},{"speaker":"Unknown","startTime":1421.549,"endTime":1425.509,"body":"open? Because I believe now"},{"speaker":"Unknown","startTime":1425.539,"endTime":1428.569,"body":"yeah, of course, the word is"},{"speaker":"Unknown","startTime":1425.539,"endTime":1428.569,"body":"distracting, right? There's a"},{"speaker":"Unknown","startTime":1428.569,"endTime":1432.799,"body":"lot of disruptions, models,"},{"speaker":"Unknown","startTime":1428.569,"endTime":1432.799,"body":"right. And there is a lot of"},{"speaker":"Unknown","startTime":1432.799,"endTime":1436.789,"body":"product that maybe they will be"},{"speaker":"Unknown","startTime":1432.799,"endTime":1436.789,"body":"our future track. So we are"},{"speaker":"Unknown","startTime":1436.789,"endTime":1442.249,"body":"opening if you let's say I have"},{"speaker":"Unknown","startTime":1436.789,"endTime":1442.249,"body":"a product that very good. And it"},{"speaker":"Unknown","startTime":1442.279,"endTime":1446.299,"body":"will be a one of the product"},{"speaker":"Unknown","startTime":1442.279,"endTime":1446.299,"body":"that Indonesia market is quite"},{"speaker":"Unknown","startTime":1446.539,"endTime":1450.889,"body":"significant values. And you need"},{"speaker":"Unknown","startTime":1446.539,"endTime":1450.889,"body":"like a payment system, a simple"},{"speaker":"Unknown","startTime":1450.889,"endTime":1454.249,"body":"one. And you can if you go to"},{"speaker":"Unknown","startTime":1450.889,"endTime":1454.249,"body":"the lean, agile ecosystem, then"},{"speaker":"Unknown","startTime":1454.249,"endTime":1458.449,"body":"you can go to the SOA ecosystem."},{"speaker":"Unknown","startTime":1454.249,"endTime":1458.449,"body":"That's your key word right now,"},{"speaker":"Unknown","startTime":1458.479,"endTime":1462.619,"body":"right? If you want to go to"},{"speaker":"Unknown","startTime":1458.479,"endTime":1462.619,"body":"simple right, sometimes you have"},{"speaker":"Unknown","startTime":1462.619,"endTime":1466.339,"body":"to go to the SOA ecosystem, then"},{"speaker":"Unknown","startTime":1462.619,"endTime":1466.339,"body":"you can use Lean either to go to"},{"speaker":"Unknown","startTime":1466.339,"endTime":1470.569,"body":"the ecosystem in in the share of"},{"speaker":"Unknown","startTime":1466.339,"endTime":1470.569,"body":"state owned enterprises, right."},{"speaker":"Unknown","startTime":1470.569,"endTime":1476.089,"body":"So I'm open to have any"},{"speaker":"Unknown","startTime":1470.569,"endTime":1476.089,"body":"collaborations, any potential"},{"speaker":"Unknown","startTime":1476.089,"endTime":1479.899,"body":"partners. So because we are done"},{"speaker":"Unknown","startTime":1476.089,"endTime":1479.899,"body":"shutting down our doors, no, we"},{"speaker":"Unknown","startTime":1479.899,"endTime":1483.409,"body":"are open for any possibilities."},{"speaker":"Unknown","startTime":1479.899,"endTime":1483.409,"body":"The key message is that your"},{"speaker":"Unknown","startTime":1483.409,"endTime":1486.259,"body":"management organization, one"},{"speaker":"Unknown","startTime":1483.409,"endTime":1486.259,"body":"plus one is three"},{"speaker":"YY - AIBP","startTime":1486.65,"endTime":1489.92,"body":"plus one equals two,"},{"speaker":"YY - AIBP","startTime":1486.65,"endTime":1489.92,"body":"three. So to all our listeners"},{"speaker":"YY - AIBP","startTime":1489.95,"endTime":1493.73,"body":"out there, you've heard it"},{"speaker":"YY - AIBP","startTime":1489.95,"endTime":1493.73,"body":"directly from the CEO of Link"},{"speaker":"YY - AIBP","startTime":1493.73,"endTime":1497.72,"body":"Agia. If you're interested to"},{"speaker":"YY - AIBP","startTime":1493.73,"endTime":1497.72,"body":"access the State Owned"},{"speaker":"YY - AIBP","startTime":1497.72,"endTime":1501.14,"body":"Enterprise ecosystem in"},{"speaker":"YY - AIBP","startTime":1497.72,"endTime":1501.14,"body":"Indonesia, Sure, and you feel"},{"speaker":"YY - AIBP","startTime":1501.14,"endTime":1504.53,"body":"like you could offer a value"},{"speaker":"YY - AIBP","startTime":1501.14,"endTime":1504.53,"body":"proposition that is a one plus"},{"speaker":"YY - AIBP","startTime":1504.53,"endTime":1508.73,"body":"one equals to three, please feel"},{"speaker":"YY - AIBP","startTime":1504.53,"endTime":1508.73,"body":"free to reach out to mass Yogi"},{"speaker":"YY - AIBP","startTime":1508.73,"endTime":1512.45,"body":"from link Agia. Thank you very"},{"speaker":"YY - AIBP","startTime":1508.73,"endTime":1512.45,"body":"much bass Yogi for your insights"},{"speaker":"YY - AIBP","startTime":1512.45,"endTime":1512.99,"body":"today."},{"speaker":"Unknown","startTime":1513.41,"endTime":1514.94,"body":"Yeah, thank you. You're"},{"speaker":"Unknown","startTime":1513.41,"endTime":1514.94,"body":"welcome."},{"speaker":"Voice Over","startTime":1516.829,"endTime":1519.469,"body":"We hope you've"},{"speaker":"Voice Over","startTime":1516.829,"endTime":1519.469,"body":"enjoyed the episode. For more"},{"speaker":"Voice Over","startTime":1519.469,"endTime":1522.259,"body":"information about business"},{"speaker":"Voice Over","startTime":1519.469,"endTime":1522.259,"body":"growth in the ASEAN region,"},{"speaker":"Voice Over","startTime":1522.439,"endTime":1527.869,"body":"please visit our website www dot"},{"speaker":"Voice Over","startTime":1522.439,"endTime":1527.869,"body":"IoT business hyphen"},{"speaker":"Voice Over","startTime":1527.869,"endTime":1529.399,"body":"platform.com."}]}