It is least known that electronic accounts that are commonly used by banks of the state basically an imitation of kenya which used this product ahead in advance.
The late breakthrough of electronic accounts by banks is the using of mobile account one of which the large telecomunication company telkomsel has sparked.
One of large bank of the state mandiri banks even sent team to study the use of kenya electonic bank called m-pesa. Literally M means mobile and pesa is the currency of kenya. M-pesa is developed by safaricom which provides the banking service through cellphones.
M-pesa is akcnowledge to reach 40% of kenya population. It is the best solution for the people there to access bank services such as saving, sending the money, paying the bills such as eletricity, etc.
In 2013, M-pesa reached 17 million of customers and it was able to gain $300 revenue for safaricom.
Meanwhile in indonesia, it still reach 30% of population. In fact this can be the good solution for remote area which is hard to be accessed by physical banks.
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