GoTo (Indonesian company)

PT GoTo Gojek Tokopedia Tbk,[6] trading as GoTo, is an Indonesian technology company. The company was formed in 2021 in a merger — the largest in the country at that time between Indonesia's two most valuable startups, ride-hailing giant Gojek and e-commerce firm Tokopedia.[5][7]

PT GoTo Gojek Tokopedia Tbk
GoTo
Company typePublic
IDXGOTO
IndustryTechnology
PredecessorPT Aplikasi Karya Anak Bangsa[1]
(Prior the merger, where Gojek acquire Tokopedia)
Founded17 May 2021; 3 years ago (2021-05-17)
Headquarters,
Indonesia
Area served
Indonesia, Singapore, Vietnam
Key people
Subsidiaries
Websitegotocompany.com

Considered as one of three super-app giants in Southeast Asia (other than Grab and Shopee),[8] GoTo is the most valuable startup in Indonesia and contributes to about 2% of the country's GDP.[9][10] The company (as Gojek or GoTo) has been included multiple times in Fortune's Change The World List, which includes tech companies such as Microsoft, Accenture, Airbnb, Apple, Tencent, and Shopee.[11][12][13][14]

History

edit

Gojek

edit

Gojek was started by Nadiem Makarim in 2010 as a call center and 20 ojeks (motorcycle taxi) to arrange transportation and courier deliveries.[15] In 2015, Gojek started an app which boosted the orders from 3,000 to 10,000 orders per day, and expanded the services including food delivery, ticket sales, etc.[15] In 2017, Gojek become Indonesia's first unicorn startup, with orders up to 300,000 per day.[15]

In 2017, Gojek is one of Fortune's change the world list. Listed as 17th, Gojek outperformed tech company giants such as Microsoft, Accenture, and Airbnb.[11] Companies that outperformed Gojek in the list include Apple, Tencent.[11] In 2019, Gojek is also included as the 11th in the list, the only Southeast Asian companies included in the list.[12][13] In 2022, GoTo received the same awards, the highest ranking of any Southeast Asian companies, which include Sea Ltd (parent company of Shopee), and Bukalapak.[14]

In 2019, the founder Nadiem Makarim left the company and become the Ministry of Education, Culture, Research, and Technology of Indonesia.[16]

Tokopedia

edit

Tokopedia was founded by William Tanuwijaya and Leontinus Alpha Edison in 2009,[17] and received funding from Indonusa Dwitama in the same year.[17] In the following years, Tokopedia received another funding from global venture capitalists such as East Ventures in 2010, Cyber Agent Ventures in 2011, Netprice in 2012, and Softbank Ventures Korea in 2013.[17] In 2014, Tokopedia is the first technology company in Southeast Asia to receive US$100 million, received from Sequoia Capital and Softbank Internet and Media Inc.[17]

In August 2017, Tokopedia received an investment of US$1.1 billion from Alibaba.[17] In the same year, Tokopedia reached a Unicorn status.[18] In December 2018, Tokopedia received further funding worth US$1.1 billion from a number of investors, where the funding series was led by Softbank Vision Fund and Alibaba Group.

Merger (GoTo)

edit

Relationship between Gojek and Tokopedia started in a 2015 partnership, where Gojek drivers provide same-day deliveries for Tokopedia products during off-peak riding hours.[19]

In early 2021, there was a rumor of a merger between Gojek and its Singaporean competitor, Grab.[20] Then, discussions for a merger between Gojek and Tokopedia were accelerated after talks on an agreement between Gojek and Grab Holding Inc reached an impasse.[20]

On 17 May 2021, both Gojek and Tokopedia announced their intention to merger,[21] choosing the name "GoTo" as the abbreviation of Gojek and Tokopedia, and also abbreviation of gotong-royong,[22] a Javanese ethos meaning "working together".[23] The merger was finalized in May 2021, with newly formed entity had 100 million monthly active users, more than 11 million merchants, and over 2 million drivers and offered e-commerce, ride-hailing, food delivery and financial services among other offerings.[24] Around the time of the merger, GoTo set up its financial services arm, GoTo Financial.[25]

Initial Public Offering

edit

In December 2021, it was reported that GoTo had hired banks to help it raise around US$1 billion from an initial public offering (IPO) in Indonesia.[26]

In March 2022, GoTo announced that it would list on the Indonesia Stock Exchange the following month, expecting to issue 52 million shares, and raise at least US$1.1 billion from the IPO.[27] The initial prospectus shows that the underwriters are Indo Premier, Mandiri Sekuritas, Trimegah Sekuritas, and CIMB Niaga Sekuritas.[28] On 11 April 2022, GoTo is listed on the Indonesia Stock Exchange with a $1.1 billion IPO at a price of 338 IDR per share, climbing more than 15% to 388 IDR in the first day of trading.[29]

As per October 2023, Gojek's founder Nadiem Makarim is not listed as one of the shareholder in any of GoTo's subsidiaries, which led to a speculation that he has sold all of his ownership in GoTo.[30]

TikTok's Acquisition of Tokopedia

edit

In early September 2023, a number of shop traders in Jakarta, specifically at Tanah Abang Market (the largest market in Indonesia,[31] and in Southeast Asia[32]) protested to Indonesia's Ministry of Trade, Zulkifli Hasan, saying to close e-commerce, due to unfair competition[33] and suspected a predatory pricing.[34] The minister responded by saying that "It's not possible, yes e-commerce is regulated, but not to be closed. It's impossible to avoid digitalization".[35] However, on 26 September 2023 the minister then issued Minister of Trade Regulation No. 31 of 2023,[36] which affirm the regulation that social media permit issued by Indonesian government is not able to be used to operate e-commerce.[37] The minister further said that TikTok's license to operate in the country is only for social media, not e-commerce.[38]

To comply with the local regulations, starting October 2023, TikTok suspended their TikTok shop operation in Indonesia, while still continuing their social media operations. Ministry of Cooperatives and SMEs further said that TikTok should establish a legal entity in Indonesia, and acquire a permit to operate e-commerce, in accordance to Minister of Trade Regulation No. 31 of 2023.[39]

In December 2023, TikTok's parent company, ByteDance acquired 75% shares of Tokopedia, leaving only 25% shares owned by GoTo.[40] Indonesia's Ministry of Trade said that TikTok may carry out business-to-business collaboration with Tokopedia, while still complying to the provisions No. 31 of 2023.[41] After the acquisition, and using Tokopedia's e-commerce permit, TikTok is able to resume their TikTok Shop operations in Indonesia.[42]

Products

edit

On-Demand (Gojek)

edit

Source:[43]

Gojek is an on-demand multiservice platform that books drivers for transportation or for other services such as grocery deliveries.[44] Services provided by Gojek includes:

Mobility

edit
  • GoRide, motorcycle taxi (ojek) ride-hailing service.
  • GoCar, car ride-hailing service.
  • GoBlueBird, taxi booking service, in partnership with Blue Bird Group.
  • GoTransit, multi-modal journey planner.
  • GoCorp, platform for corporate clients to easily access and monitor business-related trips for their employees.

Food

edit
  • GoFood, food delivery services in partnership with restaurants, cafes, and kiosks.
  • GoMart, on-demand delivery from grocery and convenience stores.
  • Cloud Kitchen, shared kitchens for preparation of delivery-only meals.

Logistics

edit
  • GoSend (PT Paket Anak Bangsa),[42][45] offer C2C services that provides consumers with instant and same-day delivery services.
  • GoKilat or GoSend API, A B2B2C delivery service offered for business.
  • GoShop, on-demand personal concierge service allowing consumers to shop for items and have them delivered.
  • GoBox, on-demand truck logistics service for large-sized deliveries.

Overseas Operations

edit

Gojek has operations in Vietnam, previously known as GoViet, rebranded as "GET", then renamed as "Gojek".[46] The services include GoRide, GoCar, GoFood, and GoSend.[47] Meanwhile, Gojek's operation in Thailand has been acquired by AirAsia.[48][49]

Others

  • GoScreen (PT Lintas Promosi Global),[28] prior Gojek's acquisition in 2018[50] known as "Promogo",[28] an out-of-home advertising media, where advertisements are placed in GoRide and GoCar vehicles.[51][52]
  • Loket (PT Global Loket Sejahtera)[53] a ticket management service company that offers tickets for cinemas and events. Initially, Gojek has launched the similar service branded as "GoTix", but Gojek acquired Loket in 2017[54][55] to operate the services.

E-Commerce (Tokopedia)

edit

Source:[43]

Tokopedia is one of Indonesia's most popular online shopping portals, it has been reported as the most valuable tech business after Gojek itself.[56][3] William Tanuwijaya was Tokopedia's CEO until February 2023 when he stepped down from the role. Melissa Siska Juminto is currently the President of GoTo's e-commerce division.[57]

Bridestory and Parentstory

edit

Bridestory (Bridestory Pte Ltd) is a wedding marketplace that connects prospective brides and grooms with wedding vendors. The company has a subsidiary named Parentstory (PT Cerita Bahagia), which is a marketplace offering products and activities for kids. Both companies were acquired by Tokopedia in June 2019,[58] and cross-selling their products and services in their platforms.[59]

Other subsidiaries

edit
  • PT Semangat Logistik Andalan, a logistic company indirectly owned by Tokopedia,[60] provides logistic branded as "Kurir Rekomendasi" (Recommended Courier) on the platform.[61]
  • SWIFT (PT Swift Logistics Solutions), a logistic company that focuses in fulfillment, warehousing, and enabler,[62] acquired in January 2023.[63]
  • TokoScore (PT Semangat Digital Bangsa), a fintech company which provide credit scoring service by analyzing borrower's risk profile from e-commerce data.[64][65]

Financial Service (GoTo Financial)

edit

Source:[43]

GoTo Financial covers services such as GoPay, GoSure, GoInvestasi, GoPayLater, Midtrans and Moka.[3] Hans Patuwo is currently the President of GoTo's Financial Technology division.[57]

  • GoPay (PT Dompet Anak Bangsa), provide digital wallet services.
    • WePay (WePay Payment Service Company Ltd),[60][66] previously branded as GoPay, provides digital wallet services in Vietnam.[67]
  • GoPayLater (PT Multifinance Anak Bangsa),[68] services that provides buy now, pay later financing scheme for goods and services ordered through GoTo ecosystem.[69] Previously the services was provided by Findaya (PT Mapan Global Reksa), and to ensure the services comply with OJK (Financial Services Authority), the services then provided by PT Multifinance Anak Bangsa.[70]
  • GoModal (Findaya / PT Mapan Global Reksa),[70] a P2p lending which provides loan to selected GoFood merchants.[71]
  • Midtrans (PT Midtrans), tech-based finance that offers a payment gateway, acquired by Gojek in 2017.[72]
  • GoBizPlus[73] (PT Multi Adiprakarsa Manunggal), provides EDC machine that process payment of debit and credit cards issued by banks. Before 2017 acquisition by Gojek,[74] GoBizPlus was known as Kartuku,[75] then rebranded as SPOTS, before renamed as GoBizPlus.[75]
  • Moka (PT Moka Teknologi Indonesia), a SaaS startup that provides mobile digital cashier point of sale system.[76][77]

Non-Operating / Divested / Previous Operations

edit
  • Gojek Thailand (Velox Technology Thailand Co Ltd),[48] which was Gojek's operation in Thailand. With GoTo's management focus to expand in Singapore and Vietnam,[48] in July 2021, the business was sold to AirAsia in July 2021 and integrated to their platform.[48][49]
  • Coins.ph, a Philippines based bitcoin exchange platform that was acquired in January 2019 for US$72 million.[78] The business was divested in 2022 and purchased by Wei Zhou (ex-CFO of Binance) for US$200 million.[79]
  • GoPlay (PT Produksi Kreatif Anak Bangsa),[80] which provide on-demand video platform. The business was sold to Edy Sulistyo (ex-CEO of Gojek) in September 2023, and rebranded as "Play Everywhere".[54]
  • GoLife, which offers provide on-demand massaging services (GoMassage), vehicle cleaning services (GoAuto), laundry (GoLaundry), beauty care such as manicure-pedicure, cream bath, waxing, (GoGlam). The services was discontinued in 2020.[81][82]
  • Dhanapala (PT Semangat Gotong Royong), which provides peer-to-peer lending to SMEs. In October 2023, the services was integrated to GoModal (PT Mapan Global Reksa).[83]

Non-controlling investments

edit

Other than Tokopedia, that since December 2023 is controlled by TikTok's parent company, Bytedance, GoTo has several non-controlling strategic investments in various companies as follows:

Bank Jago

edit

Since 2020, Gojek through its subsidiary (PT Dompet Anak Bangsa / GoPay) acquired 22.16% shares of PT Bank Jago Tbk,[84] a digital bank previously known as PT Bank Artos Indonesia, hence becoming the non-controlling strategic partner of the bank. In 2021, an initial integration enables GoPay customers to use their funds in Bank Jago's account for payment.[85]

References

edit
  1. ^ "PT Aplikasi Karya Anak Bangsa yang Berganti PT GoTo Gojek Tokopedia, Simak Profilnya". Liputan6. 6 January 2023. Retrieved 31 January 2024.
  2. ^ Potkin, Fanny (14 June 2023). "New GoTo CEO Walujo may not stay in top job long". Reuters. Retrieved 2 November 2023.
  3. ^ a b c SHIBATA, NANA (8 June 2023). "GoTo nominates Patrick Walujo as new CEO amid profit push". Nikkei Business Publications.
  4. ^ "GoTo announces new leadership structure". ET HR World. 9 February 2023. Retrieved 2 November 2023.
  5. ^ a b Bray, Chad (17 May 2021). "Gojek, Tokopedia to merge in Indonesia's biggest ever deal at US$18 billion". SCMP. Retrieved 20 January 2021.
  6. ^ Sarifah, Siti. "Induk Gojek Berubah Nama, Bukan Lagi PT Aplikasi Karya Anak Bangsa". uzone.id (in Indonesian). Retrieved 4 December 2021.
  7. ^ Lee, Yoolim (11 November 2021). "GoTo—formed by Indonesia's tech giants Gojek and Tokopedia—raise $1.3 billion ahead of IPO". Fortune.
  8. ^ Mediatama, Grahanusa (7 April 2022). "Ada Grab, Shopee Hingga Gojek, Ini Deretan Super App Jawara di Asia Tenggara". kontan.co.id (in Indonesian). Retrieved 31 January 2024.
  9. ^ "Indonesia's Most Valuable Startup Is in Talks to Raise Up to $2 Billion Ahead of IPO". Bloomberg.com. 26 July 2021. Retrieved 2 November 2021.
  10. ^ Gilchrist, Karen (9 June 2021). "How these millennial tech founders pulled off Indonesia's biggest-ever business deal". CNBC. Retrieved 2 November 2021.
  11. ^ a b c Agung, Bintoro. "Gojek Masuk Daftar 50 Perusahaan Pengubah Dunia versi Fortune". teknologi (in Indonesian). Retrieved 30 January 2024.
  12. ^ a b "Gojek Kembali Jadi 20 Besar Perusahaan yang Mengubah Dunia". www.gojek.com. Retrieved 30 January 2024.
  13. ^ a b antaranews.com (26 August 2019). "Gojek ranks among top 20 in Fortune's list of companies". Antara News. Retrieved 30 January 2024.
  14. ^ a b "GoTo Joins Fortune's Change The World List". Jakarta Globe. Retrieved 30 January 2024.
  15. ^ a b c Liputan6.com (15 December 2022). "Profil PT Gojek Indonesia, Sejarah, Alamat Kantor, dan Produk Layanannya". liputan6.com (in Indonesian). Retrieved 30 January 2024.{{cite web}}: CS1 maint: numeric names: authors list (link)
  16. ^ Asmara, Chandra Gian. "Alasan Nadiem Makarim Pilih Mendikbud & Tinggalkan Gojek". CNBC Indonesia (in Indonesian). Retrieved 30 January 2024.
  17. ^ a b c d e Media, Kompas Cyber (4 June 2022). "Mengenal Sejarah Berdirinya Tokopedia Hingga Melantai di Bursa Efek Indonesia Halaman all". KOMPAS.com (in Indonesian). Retrieved 30 January 2024.
  18. ^ Dewi, Intan Rakhmayanti. "Ada 21 Startup Unicorn di Indonesia, Ini Daftar Lengkapnya". CNBC Indonesia (in Indonesian). Retrieved 30 January 2024.
  19. ^ Gilchrist, Karen (9 June 2021). "How these millennial tech founders pulled off Indonesia's biggest-ever business deal". CNBC. Retrieved 30 January 2024.
  20. ^ a b Indonesia, C. N. N. "Kronologi Merger Gojek dan Tokopedia Hingga Jadi GoTo". ekonomi (in Indonesian). Retrieved 30 January 2024.
  21. ^ "GoTo: Menilik Decacron Pertama di Indonesia – IMAGAMA". Retrieved 30 January 2024.
  22. ^ "Gojek dan Tokopedia Merger, Ini Alasan di Balik Pemilihan Nama GoTo". VOI - Waktunya Merevolusi Pemberitaan (in Indonesian). Retrieved 31 January 2024.
  23. ^ "Hasil Pencarian - KBBI VI Daring". kbbi.kemdikbud.go.id. Retrieved 31 January 2024.
  24. ^ Lim, Jamilah (15 June 2021). "It's official – Tokopedia Gojek merger heralds the arrival of SEA's digital services giant". Techwire Asia.
  25. ^ Roy Choudhury, Saheli (17 May 2021). "Indonesia's internet start-ups Gojek and Tokopedia announce merger". CNBC.
  26. ^ Dahrul, Fathiya (17 December 2021). "Tech Giant GoTo Said to Hire Banks for $1 Billion Indonesian IPO". Bloomberg.
  27. ^ "GoTo to list on Indonesian Stock Exchange in April". KrASIA. 15 March 2022. Retrieved 19 March 2022.
  28. ^ a b c "Prospektus Awal: Penawaran Umum Perdana Saham PT GoTo Gojek Tokopedia Tbk Tahun 2022" (PDF). GoTo. 15 March 2022. Retrieved 31 January 2024.
  29. ^ "GoTo Shares Jump After Raising $1.1 Billion in One of 2022's Biggest IPOs". Yahoo. 11 April 2022. Retrieved 11 April 2022.
  30. ^ Riset. "Saham GOTO Babak Belur, Nadiem Makarim Sudah Jual Semua?". CNBC Indonesia (in Indonesian). Retrieved 31 January 2024.
  31. ^ Kompasiana.com (26 October 2023). "Mengenal Pasar Terbesar di Indonesia, Pasar Tanah Abang". KOMPASIANA (in Indonesian). Retrieved 31 January 2024.
  32. ^ TV, Reportase Trans, Pasar Tanah Abang, Pasar Tekstil Terbesar Se-Asia Tenggara, Jakarta (in Indonesian), retrieved 31 January 2024
  33. ^ tim. "Pedagang Pasar Tanah Abang Bawa Poster Desak Teten Tutup TikTok Shop". ekonomi (in Indonesian). Retrieved 31 January 2024.
  34. ^ Media, Kompas Cyber (27 September 2023). "Saat TikTok Anggap Isu "Predatory Pricing" Hanya Mitos". KOMPAS.com (in Indonesian). Retrieved 31 January 2024.
  35. ^ Safitri, Eva. "Heboh Pedagang Tanah Abang Minta e-Commerce Ditutup, Ini Respons Mendag". detiknews (in Indonesian). Retrieved 31 January 2024.
  36. ^ "JDIH Kemendag". jdih.kemendag.go.id. Retrieved 31 January 2024.
  37. ^ Indonesia, Pusat Data dan Sistem Informasi Kementerian Perdagangan. "Permendag Nomor 31 Tahun 2023 tentang Perizinan Berusaha, Periklanan, Pembinaan, dan Pengawasan Pelaku Usaha Dalam Perdagangan Melalui Sistem Elektronik - Direktorat Jenderal Perdagangan Dalam Negeri". ditjenpdn.kemendag.go.id. Retrieved 31 January 2024.
  38. ^ "TikTok: Social media app shuts shop after Indonesia ban". 4 October 2023. Retrieved 30 January 2024.
  39. ^ Damayanti, Aulia. "Terbongkar! Ini Alasan TikTok Shop Dilarang Keras Dagang". detikfinance (in Indonesian). Retrieved 30 January 2024.
  40. ^ Dwi, Chandra. "Buka Bukaan Bos GoTo Alasan Tokopedia Dilepas ke TikTok". CNBC Indonesia (in Indonesian). Retrieved 30 January 2024.
  41. ^ Media, Kompas Cyber (6 December 2023). "TikTok Shop Bakal Gandeng Tokopedia, Mendag Zulhas: Boleh Dong..." KOMPAS.com (in Indonesian). Retrieved 30 January 2024.
  42. ^ a b idxchannel. "Digandeng TikTok Shop, Intip 14 Daftar Anak Perusahaan GOTO dan Jenis Usahanya". www.idxchannel.com/ (in Indonesian). Retrieved 30 January 2024.
  43. ^ a b c Syahputra, Eqqi. "Dorong Bisnis, GoTo Tunjuk Presiden Baru di 3 Unit Bisnis". CNBC Indonesia (in Indonesian). Retrieved 31 January 2024.
  44. ^ Cheema, Sukhbir (27 July 2021). "Gojek and Tokopedia merge to form GoTo. What does this mean to you?". Mashable.
  45. ^ Bisnis (11 August 2021). "PT Paket Anak Bangsa". Cemplung.com (in Indonesian). Retrieved 30 January 2024.
  46. ^ "Gojek Bakal 'Lenyapkan' GoViet dan Get, Ganti Nama Jadi . . . ". Warta Ekonomi (in Indonesian). Retrieved 31 January 2024.
  47. ^ "Gojek Vietnam". www.gojek.com. Retrieved 31 January 2024.
  48. ^ a b c d Fernando, Aldo. "Gojek Thailand Dicaplok AirAsia, Ini Rekam Jejak Bisnisnya! - Halaman 2". CNBC Indonesia (in Indonesian). Retrieved 31 January 2024.
  49. ^ a b Indonesia, C. N. N. "AirAsia Ambil Alih Bisnis Gojek di Thailand". ekonomi (in Indonesian). Retrieved 31 January 2024.
  50. ^ "Lewat Akuisisinya Terhadap Promogo, Gojek Luncurkan Layanan Iklan GoScreen | DailySocial.id". dailysocial.id. Retrieved 31 January 2024.
  51. ^ "Gojek Luncurkan GoScreen, Pelopor Media Luar Ruang Modern untuk Iklan Lebih Optimal dan Tepat Sasaran". www.gojek.com. Retrieved 31 January 2024.
  52. ^ PATRICIA, SHARON (9 November 2020). "Gojek Luncurkan GoScreen, Layanan Periklanan dengan Kinerja Terukur". kompas.id (in Indonesian). Retrieved 31 January 2024.
  53. ^ Loket.com. "Panduan & Informasi Harga Tiket Berbayar dan Gratis | LOKET". www.loket.com (in Indonesian). Retrieved 31 January 2024.
  54. ^ a b Binekasri, Romys. "Taktik Patrick Walujo, Goto Jual Goplay ke Eks Bos Gojek". CNBC Indonesia (in Indonesian). Retrieved 31 January 2024.
  55. ^ Bestari, Lazuardhi Utama, Novina Putri (8 May 2018). "Pasca Diakuisisi Gojek, Begini Nasib Bisnis Loket.com". www.viva.co.id (in Indonesian). Retrieved 31 January 2024.{{cite web}}: CS1 maint: multiple names: authors list (link)
  56. ^ Lee, Yoolim (1 December 2021). "Andre Soelistyo, Indonesia's Megamerger Victor". Bloomberg.
  57. ^ a b Lee, Yoolim; Harsono, Norman; Dahrul, Fathiya (8 February 2023). "Indonesia's GoTo Extends Stock Slump After Shaking Up Top Ranks". Bloomberg. Retrieved 2 November 2023.
  58. ^ Farras, Bernhart. "Sah! Tokopedia Akuisisi Bridestory dan Parentstory". CNBC Indonesia (in Indonesian). Retrieved 31 January 2024.
  59. ^ "Cerita Bridestory Sebelum dan Sesudah Diakuisisi Tokopedia | DailySocial.id". dailysocial.id. Retrieved 31 January 2024.
  60. ^ a b "About Us". GoTo. Retrieved 31 January 2024.
  61. ^ Apriyandi, Pandy (7 December 2023). "SAPX Express Berkolaborasi dengan PT Semangat Logistik Andalan, Jadi Mitra Logistik Terbaru di Layanan Kurir Rekomendasi Tokopedia". SAPX Express Courier. Retrieved 31 January 2024.
  62. ^ admin (25 October 2022). "Lowongan Kerja PT Swift Logistics Solutions (Swift, a Tokopedia Company)". Karir & Info (in Indonesian). Retrieved 31 January 2024.
  63. ^ "GoTo Ambil Alih Bisnis Pergudangan Milik Tokopedia "Swift Logistics" | DailySocial.id". dailysocial.id. Retrieved 31 January 2024.
  64. ^ "Our Products". Semangat Digital Bangsa (in Indonesian). Retrieved 31 January 2024.
  65. ^ "Fintech Indonesia". fintech.id. Retrieved 31 January 2024.
  66. ^ Gumilar, Pandu (19 March 2022). "Gojek Tokopedia (GOTO) Miliki 27 Perusahaan di Luar Negeri, Dimana Saja?". Bisnis.com (in Indonesian). Retrieved 31 January 2024.
  67. ^ GOPAY. "Trang chủ". gopay.com.vn. Retrieved 31 January 2024.
  68. ^ "Findaya". www.findaya.co.id. Retrieved 30 January 2024.
  69. ^ "GoTo Financial". GoTo. Retrieved 30 January 2024.
  70. ^ a b Rahardyan, Aziz (31 July 2023). "Dadah, Findaya! Hari Ini GOTO Tunjuk MAB Jadi Operator Gopaylater". Bisnis.com (in Indonesian). Retrieved 30 January 2024.
  71. ^ "GoBiz Merchant Information". bantuan.gobiz.co.id. Retrieved 30 January 2024.
  72. ^ "About us". Midtrans. Retrieved 30 January 2024.
  73. ^ Yovita; Perishable (29 December 2021). "Harga Mesin SPOTS Gojek yang Berubah Nama Menjadi GoBiz PLUS". GoBiz - Pusat Pengetahuan (in Indonesian). Retrieved 31 January 2024.
  74. ^ Ayuwuragil, Kustin. "Perkuat Gopay, Gojek Caplok Kartuku, Midtrans dan Mapan". teknologi (in Indonesian). Retrieved 31 January 2024.
  75. ^ a b Pernando, Anggara (29 November 2022). "Jelang Lockup Dibuka, GOTO Ambil Alih Saham Multi Adiprakarsa". Bisnis.com (in Indonesian). Retrieved 31 January 2024.
  76. ^ "Sistem Aplikasi Kasir Online Berbasis Cloud Terbaik di Indonesia - Moka POS". www.mokapos.com (in Indonesian). Retrieved 30 January 2024.
  77. ^ "Tech in Asia - Connecting Asia's startup ecosystem". www.techinasia.com. Retrieved 31 January 2024.
  78. ^ Indonesia, C. N. N. "Gojek Akuisisi Fintech Filipina Senilai Rp1 Triliun". teknologi (in Indonesian). Retrieved 31 January 2024.
  79. ^ "Tech in Asia - Connecting Asia's startup ecosystem". www.techinasia.com. Retrieved 31 January 2024.
  80. ^ "Bangga Banget! Karya Industri Kreatif Anak Bangsa Tampil di Amerika Serikat". suara.com (in Indonesian). Retrieved 31 January 2024.
  81. ^ Budiansyah, Arif. "Gojek Tutup 5 Layanan GoLife Tahun Depan, Catat Tanggalnya!". CNBC Indonesia (in Indonesian). Retrieved 31 January 2024.
  82. ^ Franedya, Roy. "Gojek Tutup 5 Layanan GoLife Tahun Depan, GoMassage Tetap Ada". CNBC Indonesia (in Indonesian). Retrieved 31 January 2024.
  83. ^ "Dhanapala". www.dhanapala.id. Retrieved 31 January 2024.
  84. ^ "Info Perusahaan". Bank Jago. Retrieved 30 January 2024.
  85. ^ "Mulai Sinergi, Bank Jago Jadi Salah Satu Metode Pembayaran Non Tunai di Aplikasi Gojek". Bank Jago. 22 July 2021.