{"id":3119,"date":"2025-05-31T21:52:21","date_gmt":"2025-05-31T13:52:21","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3119"},"modified":"2025-05-31T21:52:21","modified_gmt":"2025-05-31T13:52:21","slug":"%e4%b8%80%e6%96%87%e4%ba%86%e8%a7%a3%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e7%94%9f%e6%80%81%e7%b3%bb%e7%bb%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/05\/31\/%e4%b8%80%e6%96%87%e4%ba%86%e8%a7%a3%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e7%94%9f%e6%80%81%e7%b3%bb%e7%bb%9f\/","title":{"rendered":"\u4e00\u6587\u4e86\u89e3\u5370\u5ea6\u5c3c\u897f\u4e9a\u652f\u4ed8\u751f\u6001\u7cfb\u7edf"},"content":{"rendered":"

\u4e00\u6587\u4e86\u89e3\u5370\u5ea6\u5c3c\u897f\u4e9a\u652f\u4ed8\u751f\u6001\u7cfb\u7edf<\/h1>\n

\u5f15\u8a00<\/h2>\n

\u5370\u5ea6\u5c3c\u897f\u4e9a\u4f5c\u4e3a\u4e1c\u5357\u4e9a\u6700\u5927\u7684\u7ecf\u6d4e\u4f53\u4e4b\u4e00\uff0c\u5176\u652f\u4ed8\u5e02\u573a\u8fd1\u5e74\u6765\u53d1\u5c55\u8fc5\u731b\u3002\u968f\u7740\u6570\u5b57\u5316\u8fdb\u7a0b\u52a0\u901f\u3001\u667a\u80fd\u624b\u673a\u666e\u53ca\u7387\u63d0\u5347\u4ee5\u53ca\u91d1\u878d\u79d1\u6280\uff08FinTech\uff09\u7684\u5d1b\u8d77\uff0c\u5370\u5c3c\u7684\u652f\u4ed8\u751f\u6001\u7cfb\u7edf\u65e5\u76ca\u591a\u6837\u5316\u3002\u672c\u6587\u5c06\u6df1\u5165\u89e3\u6790\u5370\u5c3c\u652f\u4ed8\u5e02\u573a\u7684\u73b0\u72b6\u3001\u4e3b\u8981\u53c2\u4e0e\u8005\u3001\u53d1\u5c55\u8d8b\u52bf\u53ca\u672a\u6765\u673a\u9047\uff0c\u5e2e\u52a9\u8bfb\u8005\u5168\u9762\u4e86\u89e3\u8fd9\u4e00\u5145\u6ee1\u6d3b\u529b\u7684\u5e02\u573a\u3002<\/p>\n

1. \u5370\u5ea6\u5c3c\u897f\u4e9a\u652f\u4ed8\u5e02\u573a\u6982\u51b5<\/strong><\/h2>\n

1.1 \u5e02\u573a\u89c4\u6a21\u4e0e\u589e\u957f\u6f5c\u529b<\/strong><\/h3>\n

\u5370\u5c3c\u62e5\u6709\u8d85\u8fc72.7\u4ebf\u4eba\u53e3\uff0c\u5176\u4e2d\u4e92\u8054\u7f51\u7528\u6237\u5360\u6bd4\u8d85\u8fc770%\uff0c\u79fb\u52a8\u652f\u4ed8\u7684\u6e17\u900f\u7387\u6b63\u5feb\u901f\u63d0\u5347\u3002\u6839\u636eStatista\u6570\u636e\uff0c2023\u5e74\u5370\u5c3c\u6570\u5b57\u652f\u4ed8\u4ea4\u6613\u989d\u9884\u8ba1\u7a81\u7834500\u4ebf\u7f8e\u5143\uff0c\u5e76\u5c06\u5728\u672a\u6765\u51e0\u5e74\u4fdd\u6301\u4e24\u4f4d\u6570\u7684\u589e\u957f\u7387\u3002\u7535\u5546\u3001\u5916\u5356\u548c\u5728\u7ebf\u670d\u52a1\u7684\u5174\u8d77\u8fdb\u4e00\u6b65\u63a8\u52a8\u4e86\u7535\u5b50\u94b1\u5305\u548c\u6570\u5b57\u94f6\u884c\u7684\u53d1\u5c55\u3002<\/p>\n

1.2 \u73b0\u91d1\u4ecd\u5360\u4e3b\u5bfc\u5730\u4f4d\u4f46\u9010\u6b65\u51cf\u5c11<\/strong><\/h3>\n

\u5c3d\u7ba1\u65e0\u73b0\u91d1\u8d8b\u52bf\u660e\u663e\uff0c\u4f46\u7531\u4e8e\u519c\u6751\u5730\u533a\u57fa\u7840\u8bbe\u65bd\u4e0d\u8db3\u548c\u5bf9\u4f20\u7edf\u94f6\u884c\u7684\u4f9d\u8d56\u7a0b\u5ea6\u8f83\u9ad8\uff0c\u73b0\u91d1\u4ecd\u662f\u8bb8\u591a\u4eba\u7684\u9996\u9009\u4ea4\u6613\u65b9\u5f0f\u3002\u4e0d\u8fc7\u653f\u5e9c\u6b63\u5728\u63a8\u52a8\u201c\u65e0\u73b0\u91d1\u793e\u4f1a\u201d\u8ba1\u5212\uff08\u5982QRIS\u6807\u51c6\u5316\uff09\uff0c\u4ee5\u4fc3\u8fdb\u7535\u5b50\u652f\u4ed8\u7684\u666e\u53ca\u3002<\/p>\n

2. \u4e3b\u8981\u652f\u4ed8\u65b9\u5f0f\u5206\u6790<\/strong><\/h2>\n

2.1 \u94f6\u884c\u8f6c\u8d26\u4e0e\u501f\u8bb0\u5361\/\u4fe1\u7528\u5361<\/strong><\/h3>\n
    \n
  • \u94f6\u884c\u8f6c\u8d26\uff08Bank Transfer\uff09<\/strong>\uff1aMandiri\u3001BCA\u7b49\u5927\u578b\u94f6\u884c\u63d0\u4f9b\u5b9e\u65f6\u8f6c\u8d26\u670d\u52a1\uff08\u5982BI-FAST\uff09\u3002<\/li>\n
  • \u501f\u8bb0\u5361\/\u4fe1\u7528\u5361<\/strong>\uff1aVisa\u548cMastercard\u5e7f\u6cdb\u4f7f\u7528\uff0c\u4f46\u4fe1\u7528\u5361\u6301\u6709\u7387\u8f83\u4f4e\uff08\u4ec5\u7ea65%\u7684\u4eba\u53e3\uff09\u3002\u672c\u5730\u54c1\u724c\u5982JCB\u548cPRIMA\u4e5f\u6709\u4e00\u5b9a\u5e02\u573a\u4efd\u989d\u3002<\/li>\n<\/ul>\n

    2.2 \u7535\u5b50\u94b1\u5305\uff08E-Wallet\uff09\u7684\u5d1b\u8d77<\/strong><\/h3>\n

    \u7535\u5b50\u94b1\u5305\u662f\u5370\u5c3c\u589e\u957f\u6700\u5feb\u7684\u652f\u4ed8\u65b9\u5f0f\u4e4b\u4e00\uff0c\u4e3b\u8981\u73a9\u5bb6\u5305\u62ec\uff1a<\/p>\n

      \n
    • GoPay (Gojek\u751f\u6001)<\/strong> \u2013 Gojek\u65d7\u4e0b\u8d85\u7ea7App\u6574\u5408\u6253\u8f66\u3001\u5916\u5356\u7b49\u529f\u80fd\uff1b\u652f\u6301\u7ebf\u4e0b\u626b\u7801\u4ed8\u6b3e\uff1b\u5e02\u573a\u4efd\u989d\u9886\u5148\uff1b<\/li>\n
    • OVO (Grab\u5408\u4f5c\u65b9)<\/strong> \u2013 Grab\u751f\u6001\u5185\u5e7f\u6cdb\u4f7f\u7528,\u5e76\u4e0eTokopedia\u6df1\u5ea6\u7ed1\u5b9a\uff1b<\/li>\n
    • DANA<\/em> \u2013 Telkomsel\u652f\u6301\u7684\u672c\u5730\u94b1\u5305,\u4e3b\u6253\u666e\u60e0\u91d1\u878d;<\/li>\n
    • LinkAja<\/em> \u2013\u56fd\u6709\u80cc\u666f,\u5e38\u7528\u4e8e\u653f\u5e9c\u670d\u52a1\u7f34\u8d39;<\/li>\n<\/ul>\n

      \u8fd9\u4e9b\u5e73\u53f0\u901a\u8fc7\u8fd4\u73b0\u4fc3\u9500\u62a2\u5360\u7528\u6237,\u540c\u65f6\u62d3\u5c55\u7ebf\u4e0b\u5546\u6237\u7f51\u7edc\u4ee5\u589e\u5f3a\u7c98\u6027\u3002<\/p>\n

      QRIS\u6807\u51c6\u7edf\u4e00\u63a8\u52a8\u4e92\u8054\u4e92\u901a<\/h4>\n

      2020\u5e74\u8d77\u592e\u884c\u5f3a\u5236\u63a8\u884c\u7edf\u4e00\u4e8c\u7ef4\u7801(QR Code Indonesian Standard),\u4e0d\u540c\u54c1\u724c\u95f4\u53ef\u4e92\u76f8\u626b\u7801\u4ed8\u6b3e\u2014\u2014\u8fd9\u6781\u5927\u63d0\u5347\u4e86\u4e2d\u5c0f\u5546\u5bb6\u63a5\u53d7\u5ea6\u3002<\/p>\n

      \n\n\n\n\n\n\n
      <\/th>\n\u4f18\u52bf<\/th>\n\u6311\u6218<\/th>\n<\/tr>\n<\/thead>\n
      GoPay<\/td>\n\u9ad8\u9891\u573a\u666f(\u6253\u8f66\/\u5916\u5356)<\/td>\n\u9700\u9762\u5bf9GRAB\u7ade\u4e89<\/td>\n<\/tr>\n
      OVO<\/td>\n\u7535\u5546+\u51fa\u884c\u8986\u76d6\u5e7f<\/td>\n\u76c8\u5229\u6a21\u5f0f\u4ecd\u5728\u63a2\u7d22\u4e2d<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

      (\u8868:\u90e8\u5206\u4e3b\u6d41\u7535\u5b50\u94b1\u5305\u5bf9\u6bd4)<\/em><\/p>\n

      \n

      3.\u8de8\u5883\u4e0e\u65b0\u5174\u8d8b\u52bf<\/strong><\/h3>\n

      BNPL(Buy Now Pay Later)\u7206\u53d1\u5f0f\u6210\u957f<\/h4>\n

      Akulaku\u7b49\u5e73\u53f0\u5141\u8bb8\u6d88\u8d39\u8005\u5206\u671f\u8d2d\u7269\u2014\u2014\u5c24\u5176\u53d7\u5e74\u8f7b\u7fa4\u4f53\u6b22\u8fce;<\/p>\n

      \u52a0\u5bc6\u8d27\u5e01\u8bd5\u63a2\u6027\u5165\u573a
      \n\u867d\u7136\u76d1\u7ba1\u5c1a\u672a\u660e\u6717\u5316,Solana\u7b49\u9879\u76ee\u5df2\u5f00\u59cb\u5e03\u5c40\u5f53\u5730\u793e\u533a.<\/p>\n

      \n
      \n

      \"\u672a\u6765\u4e94\u5e74\u5185\u6211\u4eec\u76f8\u4fe1\u4ee3\u7406\u94f6\u884c\u4e1a\u52a1\u4f1a\u9010\u6e10\u88abAPI\u9a71\u52a8\u7684\u5f00\u653e\u94f6\u884c\u53d6\u4ee3\" \u2014\u67d0\u4f4d\u4e0d\u613f\u5177\u540d\u7684\u4ece\u4e1a\u8005\u8bc4\u8bba\u9053.<\/p>\n<\/blockquote>\n

      \n

      4.\u603b\u7ed3\u5c55\u671b<\/strong>
      \n\u4ece\u957f\u671f\u770b:
      \n\u2705\u653f\u7b56\u652f\u6301+\u8d44\u672c\u6295\u5165\u786e\u4fdd\u884c\u4e1a\u6301\u7eed\u6269\u5bb9;
      \n\u26a0\ufe0f\u4f46\u8d62\u5bb6\u901a\u5403\u5c40\u9762\u53ef\u80fd\u5bfc\u81f4\u4e2d\u5c0f\u5382\u5546\u51fa\u5c40.
      \n\u65e0\u8bba\u60a8\u662f\u6295\u8d44\u8005\u8fd8\u662f\u4f01\u4e1a\u4e3b\u90fd\u5e94\u5bc6\u5207\u5173\u6ce8\u8fd9\u4e2a\u4e07\u4ebf\u7ea7\u5e02\u573a\u7684\u6f14\u53d8!<\/p>\n

      \u5e0c\u671b\u4ee5\u4e0a\u5185\u5bb9\u7b26\u5408\u60a8\u7684\u8981\u6c42!\u5982\u9700\u8c03\u6574\u67d0\u4e9b\u90e8\u5206\u8bf7\u968f\u65f6\u544a\u77e5~<\/p>\n

      5. \u5370\u5ea6\u5c3c\u897f\u4e9a\u652f\u4ed8\u751f\u6001\u7cfb\u7edf\u7684\u76d1\u7ba1\u73af\u5883<\/strong><\/h2>\n

      5.1 \u5370\u5c3c\u592e\u884c\u7684\u5173\u952e\u653f\u7b56<\/strong><\/h3>\n

      \u5370\u5ea6\u5c3c\u897f\u4e9a\u94f6\u884c\uff08Bank Indonesia, BI\uff09\u662f\u652f\u4ed8\u884c\u4e1a\u7684\u4e3b\u8981\u76d1\u7ba1\u673a\u6784\uff0c\u8fd1\u5e74\u6765\u63a8\u51fa\u591a\u9879\u653f\u7b56\u4ee5\u63a8\u52a8\u6570\u5b57\u5316\u91d1\u878d\u53d1\u5c55\uff1a<\/p>\n

        \n
      • QRIS\u6807\u51c6\u5316<\/strong>\uff1a\u5f3a\u5236\u7edf\u4e00\u4e8c\u7ef4\u7801\u652f\u4ed8\u6807\u51c6\uff0c\u4fc3\u8fdb\u4e0d\u540c\u7535\u5b50\u94b1\u5305\u4e4b\u95f4\u7684\u4e92\u64cd\u4f5c\u6027\u3002<\/li>\n
      • \u5f00\u653e\u94f6\u884c\u6846\u67b6<\/strong>\uff1a\u9f13\u52b1\u91d1\u878d\u673a\u6784\u901a\u8fc7API\u5171\u4eab\u6570\u636e\uff0c\u63d0\u5347\u91d1\u878d\u670d\u52a1\u6548\u7387\u3002<\/li>\n
      • \u53cd\u6d17\u94b1\u4e0e\u6570\u636e\u5b89\u5168\u6cd5\u89c4<\/strong>\uff1a\u52a0\u5f3a\u5bf9\u7535\u5b50\u652f\u4ed8\u7684\u5408\u89c4\u8981\u6c42\uff0c\u786e\u4fdd\u7528\u6237\u8d44\u91d1\u5b89\u5168\u3002<\/li>\n<\/ul>\n

        5.2 \u5916\u8d44\u51c6\u5165\u9650\u5236\u4e0e\u672c\u5730\u5316\u8981\u6c42<\/strong><\/h3>\n

        \u5370\u5c3c\u653f\u5e9c\u5bf9\u5916\u8d44\u8fdb\u5165\u91d1\u878d\u79d1\u6280\u9886\u57df\u6709\u4e00\u5b9a\u9650\u5236\uff0c\u4f8b\u5982\uff1a<\/p>\n

          \n
        • \u6570\u5b57\u94f6\u884c\u724c\u7167\u4ec5\u9650\u672c\u571f\u4f01\u4e1a\u6216\u5408\u8d44\u516c\u53f8\u7533\u8bf7\uff1b<\/li>\n
        • \u8de8\u5883\u652f\u4ed8\u670d\u52a1\u9700\u7b26\u5408\u592e\u884c\u5916\u6c47\u7ba1\u5236\u89c4\u5b9a\uff1b
          \n\u8fd9\u4e9b\u63aa\u65bd\u65e8\u5728\u4fdd\u62a4\u672c\u56fd\u4f01\u4e1a\uff0c\u4f46\u4e5f\u53ef\u80fd\u5f71\u54cd\u56fd\u9645\u73a9\u5bb6\u7684\u5e02\u573a\u62d3\u5c55\u901f\u5ea6\u3002<\/li>\n<\/ul>\n
          \n

          6. \u6d88\u8d39\u8005\u884c\u4e3a\u4e0e\u5e02\u573a\u673a\u4f1a\u5206\u6790<\/strong><\/h2>\n

          6.1 \u4e3b\u8981\u7528\u6237\u753b\u50cf<\/strong><\/h3>\n\n\n\n\n\n\n\n
          \u4eba\u7fa4\u7279\u5f81<\/th>\n\u652f\u4ed8\u504f\u597d<\/th>\n\u6f5c\u5728\u5546\u673a<\/th>\n<\/tr>\n<\/thead>\n
          \u57ce\u5e02\u5e74\u8f7b\u7fa4\u4f53(18-35\u5c81)<\/td>\n\u7535\u5b50\u94b1\u5305\/BNPL<\/td>\n\u793e\u4ea4\u7535\u5546\u6574\u5408<\/td>\n<\/tr>\n
          \u4e2d\u5c0f\u5fae\u4f01\u4e1a\u4e3b<\/td>\n\u94f6\u884c\u8f6c\u8d26+\u73b0\u91d1\u7ba1\u7406\u5de5\u5177<\/td>\nSaaS\u6536\u94f6\u89e3\u51b3\u65b9\u6848<\/td>\n<\/tr>\n
          \u519c\u6751\u5730\u533a\u5c45\u6c11<\/td>\n\u4ee3\u7406\u94f6\u884c\u4e1a\u52a1(Agent Banking)<\/td>\n\u6700\u540e\u4e00\u516c\u91cc\u91d1\u878d\u670d\u52a1<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

          (\u8868:\u4e0d\u540c\u5ba2\u7fa4\u7684\u5dee\u5f02\u5316\u9700\u6c42)<\/em><\/p>\n

          \n

          7.\u6311\u6218\u4e0e\u98ce\u9669\u63d0\u793a<\/strong><\/h3>\n

          \u5c3d\u7ba1\u524d\u666f\u5e7f\u9614\u4f46\u9700\u6ce8\u610f\uff1a
          \n\u26a0\ufe0f\u57fa\u7840\u8bbe\u65bd\u5dee\u8ddd\u2014\u20144G\u7f51\u7edc\u8986\u76d6\u7387\u4ec585%\u4e14\u7f51\u901f\u8f83\u6162\uff1b
          \n\u26a0\ufe0f\u9ad8\u5ea6\u5206\u6563\u7684\u5e02\u573a\u2014\u2014\u524d\u4e09\u5927\u7535\u5b50\u94b1\u5305\u5408\u8ba1\u4efd\u989d\u4e0d\u8db360%\uff1b
          \n\u26a0\ufe0f\u76c8\u5229\u96be\u9898\u2014\u2014\u591a\u6570\u5e73\u53f0\u4ecd\u4f9d\u8d56\u70e7\u94b1\u83b7\u5ba2\u3002<\/p>\n

          \u5178\u578b\u6848\u4f8b\u5982DANA\u57282022\u5e74\u88c1\u545815%\u4ee5\u63a7\u5236\u6210\u672c\u3002<\/p>\n

          \n

          8.\u6210\u529f\u6848\u4f8b\u5206\u6790<\/strong><\/p>\n

          Blibli\u7684\"\u8d85\u7ea7App\"\u6218\u7565<\/h4>\n

          \u8fd9\u5bb6\u672c\u571f\u7535\u5546\u901a\u8fc7\u4ee5\u4e0b\u65b9\u5f0f\u6784\u5efa\u652f\u4ed8\u95ed\u73af:
          \n1\ufe0f\u20e3\u81ea\u5efaBlibliPay\u51cf\u5c11\u4f63\u91d1\u652f\u51fa
          \n2\ufe0f\u20e3\u5bf9\u63a5QRIS\u589e\u5f3a\u7ebf\u4e0b\u573a\u666f
          \n3\ufe0f\u20e3\u4f1a\u5458\u79ef\u5206\u6253\u901a\u5168\u6e20\u9053\u6d88\u8d39<\/p>\n

          \u7ed3\u679c:\u5176GMV\u4e2d30%\u6765\u81ea\u81ea\u6709\u652f\u4ed8\u6e20\u9053\u3002<\/p>\n

          \n
          \n

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          9.\u672a\u6765\u4e94\u5e74\u9884\u6d4b<\/strong>
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