#digital banking indonesia

[indonesiaworldfis]

5 Key Transformations That Digital Banking is Powering in Indonesia

Indonesia is at the heart of Southeast Asia’s digital revolution, and at the center of this shift is the rapid growth of digital banking. With increasing internet connectivity and smartphone usage, digital banking is changing how financial services are delivered across the nation. From improving accessibility to advancing innovation, here are the five key ways that digital banking is transforming Indonesia’s financial landscape.

1. Expanding Access to Financial Services

In Indonesia, a large portion of the population has traditionally been underserved by financial institutions. Many rural communities lacked access to banking services due to logistical challenges. Digital banking is breaking down these barriers by enabling anyone with a smartphone and internet connection to access a wide range of financial services—from savings accounts to investment options. The rise of mobile banking applications is making financial services more inclusive, reaching those who previously had little to no access.

2. Facilitating Seamless Digital Transactions

One of the most profound impacts of digital banking is its ability to simplify transactions. Digital payment systems are now integrated into everyday life, allowing Indonesians to make fast and secure payments for bills, online shopping, and remittances. Features like real-time money transfers, QR code payments, and contactless transactions have drastically reduced the need for cash. As these systems continue to grow, Indonesia is on the path toward a more cashless, efficient economy.

3. Boosting Financial Security

With the expansion of digital services comes a heightened need for security, and digital banking is rising to the challenge. By incorporating advanced encryption techniques, biometric verifications, and multi-factor authentication, digital banking platforms are making financial transactions more secure than ever before. Customers can now carry out transactions with confidence, knowing that their sensitive data is protected. This growing sense of security is encouraging more Indonesians to adopt digital banking, further fueling its growth.

4. Encouraging Personal Financial Growth

Digital banking platforms are not only about providing convenience; they are also equipping users with tools to better manage their finances. Many banking apps offer features like spending tracking, budgeting tools, and financial planning resources. These tools help individuals gain greater control over their finances, allowing them to plan for savings, investments, and expenses more effectively. This access to financial education is empowering more Indonesians to make informed financial decisions, ultimately fostering a more financially responsible society.

5. Supporting the Development of the Fintech Ecosystem

Indonesia’s digital banking boom has given rise to a vibrant fintech ecosystem. Banks are partnering with fintech companies to co-create innovative financial products, such as instant loans, robo-advisory services, and blockchain-based solutions. These collaborations are driving a new wave of financial innovation, providing customers with more personalized and accessible services. As a result, Indonesia is becoming a hub for fintech growth, attracting investments and positioning the country as a leader in Southeast Asia’s financial technology sector.

Conclusion

The rise of digital banking in Indonesia is revolutionizing how people access, manage, and secure their finances. From providing inclusive banking options to driving fintech innovation, these five key transformations highlight how digital banking is reshaping the country's financial future. As Indonesia continues to embrace digital technologies, the financial sector is poised for even more growth, bringing increased efficiency, security, and opportunities to individuals and businesses across the nation.

[bantennewscoid-blog]

BI Banten Gelar Edutalk Digital, Gen Z Banten Dituntut Gesit dan Adaptif

SERANG – Kantor Perwakilan Bank Indonesia Provinsi Banten (KPwBI Banten) menggelar Creative Edutalk: Building Leadership & Competitiveness Toward The Digital Mindset di Ballroom Surosowan lantai 4 kantor BI Banten, Jumat, (8/12/2023). Kegiatan ini diikuti oleh puluhan generasi muda di Provinsi Banten, baik dari kalangan, mahasiswa. Dalam sambutannya, Deputi Kepala Perwakilan BI Banten Hario…

[cemerlangjaya]

Hub 0856 4877 7240 - Pembicara Digital Marketing Bank ICBC Indonesia

Hub 0856 4877 7240 - Pembicara Digital Marketing Bank ICBC Indonesia | Pembicara SEO Bisnis Bank Mandiri, Pembicara SEO Bisnis Bank BNI, Pembicara SEO Bisnis Bank BRI, Pembicara SEO Bisnis Bank BTN, Pembicara SEO Bisnis Peruri, Pembicara SEO Bisnis BCA, Pembicara SEO Bisnis Bank Aceh Syariah, Pembicara SEO Bisnis Bank Aladin Syariah, Pembicara SEO Bisnis Bank Allo Indonesia, Pembicara SEO Bisnis Bank Amar Indonesia, Pembicara SEO Bisnis Bank ANZ Indonesia, Pembicara SEO Bisnis Bank Artha Graha Internasional, Pembicara SEO Bisnis Bank Banten, Pembicara SEO Bisnis Bank BCA Syariah, Pembicara SEO Bisnis Bank Bengkulu, Pembicara SEO Bisnis Bank BJB, Pembicara SEO Bisnis Bank BJB Syariah, Pembicara SEO Bisnis Bank BNP Paribas Indonesia, Pembicara SEO Bisnis Bank BPD Bali, Pembicara SEO Bisnis Bank BPD DIY, Pembicara SEO Bisnis Bank BRK Syariah, Pembicara SEO Bisnis Bank BSG, Pembicara SEO Bisnis Bank BTPN, Pembicara SEO Bisnis Bank BTPN Syariah, Pembicara SEO Bisnis Bank Bumi Arta

Ingin mengadakan pelatihan digital marketing di dinas tempat Anda bertugas?

Anda akan belajar digital marketing yang MUDAH - LANGSUNG PRAKTEK - TANPA PUSING.

Materi cocok untuk pemula. Buat yang gaptek sekalipun.

Bisa juga sebagai materi pembekalan untuk yang akan purna bakti.

Siap diundang untuk seminar - pelatihan - workshop - lokakarya - gathering - in house training - kursus - private - peningkatan SDM dibidang digital marketing/internet marketing/pemasaran online.

Profile pemateri :

Ikhsan Yuniarka

Pranata Komputer di lembaga riset pemerintah terbesar di Indonesia

Praktisi digital marketing

Penulis Buku

[kantorberita]

Pemkab Bengkulu Tengah Inovasi Pembayaran Digital dengan QRIS untuk Meningkatkan Transparansi dan Efisiensi Keuangan

Pemkab Bengkulu Tengah Inovasi Pembayaran Digital dengan QRIS untuk Meningkatkan Transparansi dan Efisiensi Keuangan KANTOR-BERITA.COM, BENGKULU TENGAH|| Pemerintah Kabupaten Bengkulu Tengah terus berinovasi dengan mengadopsi teknologi pembayaran digital melalui Quick Response Code Indonesian Standard (QRIS). Melalui kerjasama dengan Bank Bengkulu Cabang Karang Tinggi, Pemkab Bengkulu Tengah…

[reportwire]

With $900 Million In Funding, Hong Kong Fintech Unicorn WeLab Bets Big On Indonesia

With $900 Million In Funding, Hong Kong Fintech Unicorn WeLab Bets Big On Indonesia

As more startups explore Indonesia’s fintech potential, WeLab’s cofounder and CEO Simon Loong believes digital banking can be a win-win game. There are good “a-ha” moments and there are bad ones, according to Simon Loong. Developing a virtual bank at the height of the pandemic was a good “a-ha,” even though it entailed an uphill learning process for his Hong Kong startup WeLab, an online lender…

[ofswanlake]

Nonsense is the first single released by Nari. It was released on June 3rd, 2023 through YG Entertainment and Interscope Records. It was written by Nari and Steph Jones, composed by Teddy. Nari promoted the song once on Korean music shows and throughout BLACKPINK’s ‘Born Pink World Tour’.

The second verse of ‘Nonsense’ was originally leaked on April 19th, 2023 and was titled ‘NARIBUN’ by the seller. It went viral on TikTok and gained traction, YG Entertainment soon releasing the music video of ‘Nonsense’ on June 3rd.

‘Nonsense’ was a commercial success and debuted at three on the Billboard Global 200 and topped Billboard World Digital Songs, as well as entering the Billboard Hot 100 at number 63. In South Korea, the song topped Billboard's South Korea songs chart and peaked at number four on the Circle Digital Chart. It topped the charts in Hong Kong, Malaysia, Singapore, Taiwan, and Vietnam and reached the top ten in Indonesia and the Philippines. In the United Kingdom, the song entered the top 20 of the UK Singles Chart and was the first song by a Korean female soloist to top the UK Singles Downloads Chart.

TRACKLIST

Nonsense*

Feather

STYLING

EXTRA

nari never said anything about the song being leaked, but just know that she was soo happy about it lmao

she loves this song like its so fun and hot she just loves it!

the 2nd verse was leaked on tiktok and everyone loved it, even creating a little dance trend that ofc, she participated in!!

knetz were quite surprised at the lyrics and it got mixed reactions

but honestly she really didnt care cause atp … what were they gonna do? she’s been an adult for forever cmon now

of course there were notes about her being more sexualized but like … have you heard the lyrics? and like i said, she just doesnt care enough anymore

feather is also one of her favs! she begged to have it be released with nonsense

she had so much fun with nonsense’s outros like that was her favorite part, especially with the reactions

she performed once on inkigayo and that was it

she did win once on music bank but she wasnt there so like yeah

she performed nonsense every single show on born pink and each time, she changed the outro and lets just say … how many letters does parknari have??? ATEEE!!

she performed feather once and that was at coachella (both nonsense & feather)

she did release a live video of feather, along with a dance performance video of nonsense

she did the tiktok dance trend with soo many idols, including her members, red velvet’s joy, twice’s sana and nayeon

she also did the trend txt’s yeonjun, enhypen’s jake and sunghoon le sserafim’s kazuha and yunjin, ive’s wonyoung

she liked the tiktok dance more than the original tbh it was much more simple

the seller naming nonsense ‘naribun’ didnt make sense til end of 2023 … lol!

it was a much better time than her debut with gashina

[helencia]

[Pengalaman Menggunakan QRIS]

Sobat Millenial, udah pada tau dong apa itu QRIS? pasti pada tau kan ya. Namanya juga kaum Millenial, serba tau perkembangan digital termasuk juga salah satunya sistem pembayaran menggunakan QR Code. Tapi sebagai pengingat sobat Millenial, kali ini akan aku jelasin ulang deh apa itu QRIS.

QRIS adalah standar QR Code untuk pembayaran melalui aplikasi uang elektronik serverd based, dompet elektronik, atau mobile banking. QRIS dikembangkan oleh Bank Indonesia (BI) dan Asosiasi Sistem Pembayaran Indonesia (ASPI). Bank Indonesia (BI) mewajibkan seluruh penyedia layanan pembayaran nontunai menggunakan sistem QRIS (Quick Response [QR] Code Indonesian Standard) pada 1 Januari 2020 mendatang. Seperti diatur pada ketentuan BI dalam PADG No.21/18/2019 tentang Implementasi Standar Internasional QRIS untuk Pembayaran bahwa setiap penyedia Penyelenggara Jasa Sistem Pembayaran (PJSP) berbasis QR (termasuk PJSP asing) wajib menggunakan QRIS. QRIS disusun oleh BI dan ASPI (Asosiasi Sistem Pembayaran Indonesia) menggunakan standar internasional EMV Co. yakni lembaga yang menyusun standar internasional QR Code untuk sistem pembayaran.

Tujuan adanya QRIS ini tak lain agar pembayaran digital jadi lebih mudah bagi masyarakat dan dapat diawasi oleh regulator dari satu pintu. Harapannya dengan adanya QRIS, transaksi pembayaran bisa lebih efisien atau murah, inklusi keuangan di Indonesia lebih cepat, UMKM bisa lebih maju, dan pada akhirnya bisa dorong pertumbuhan ekonomi. Cara kerja dari QRIS ini sendiri yaitu misalnya ketika aku ingin melakukan transaksi pembayaran dan aku punya alat pembayaran LinkAja, lalu temanku bernama Aziz punya OVO, temanku bernama Aldy punya GO-PAY, temanku bernama Vellika punya DANA, kemudian seterusnya dengan merk yang berbeda-beda. Aku dan semua temanku dengan merk yang berbeda-beda bisa transaksi pembayaran hanya dengan scan pada QRIS di setiap merchant yang melayani pembayaran nontunai.

Ketika saya melakukan perjalanan liburan ke Jakarta, saya mengunjungi beberapa tempat wisata. Ada banyak sekali pedagang serta toko-toko outlet baju dan aksessoris yang mengundang mata untuk membeli. Tentu saya membeli beberapa barang dan makanan yang ada di sekitar wisata tersebut. Namun, kebetulan saya melakukan pembayaran secara cashless dan debit atm yang saya gunakan tidak bisa digunakan untuk transaksi. Agak panik, tetapi salah satu penjual menawarkan pembayaran melalui scan barcode menggunakan QRIS. Alhasil, transaksi tetap dapat saya lakukan hehe.

Wah, millenial banget ya. Menurutku, sistem pembayaran melalui QRIS adalah yang paling unggul dari sistem pembayaran lainnya. Selain itu, penggunaannya gampang dan mudah serta langsung dengan waktu transaksi yang cepat dan seketika membuat aku sebagai pembeli sangat senang menggunakannya. Bukan hanya itu, sistem ini juga sangat menguntungkan untuk penjual karena hanya menggunakan satu kode QR untuk semua aplikasi. Dahulu sebelum ada QRIS, aku masih melakukan transaksi menggunakan QR Code dengan Merk X dan seringkali kesulitan untuk melakukan transaksi disebabkan merchant yang tidak menggunakan QR Code yang sama denganku. Alhasil, aku harus mengeluarkan uang tunai bahkan mengantri lama karena menunggu kembalian. Setelah adanya QRIS, transaksiku jadi mudah, cepat, efektif dan kesan travelling kali ini benar-benar berbeda karena aku tidak perlu takut lagi ketinggalan kapal. Pokoknya aku benar-benar suka dan nyaman pakai ini. Karena dengan QRIS, segala transaksi menjadi lancar. Transaksi lancar pakai QRIS.

#KulinerQRIS #BanggaPakaiQRIS #TransaksiPakaiQRIS #MayuhNganggoQris

[tondosusanto]

Dongkrak UMKM di Indonesia, hibank Dapat Penghargaan sebagai Indonesia Best Bank Awards 2023

Perusahaan Anak PT Bank Negara Indonesia (Persero) Tbk. atau BNI yakni hibank, meraih penghargaan di ajang Indonesia Best Bank Awards 2023 dengan predikat for The Empowering the MSME Ecosystem Through Banking Solutions kategori KBMI I. Penghargaan diberikan oleh Warta Ekonomi kepada hibank atas kontribusinya sebagai bank digital yang fokus pada pertumbuhan bisnis Usaha Mikro, Kecil, dan Menengah…

[calciseptinefic]

then out of nowhere, somebody comes and hits you with an ooh la la la, ooh la la la, ooh la la la, ooh

Marvel || Wade Wilson/Peter Parker || Part 9 notes: Title from 'Mad Sounds' by Arctic Monkeys. Many thanks to babygato for her beta on this chapter. this fic is also available on ao3 warnings: none

.

← previous: Part 8

.

The clock in the right hand corner of Wade's laptop reads 2:53 AM as he pulls the files Weasel emailed him. Compared to some dossiers Wade's read in the past—both for the government and for private contracts—there isn't much. A small digital stack of records that boil Peter's entire existence down to its skeleton, devoid of the details that flesh it out into a life:

A birth certificate, a government-issued ID, a marriage license. Medical records. Multiple education transcripts, scholarships, and science-related awards and accolades, as well as various research papers and a Ph.D. dissertation. Bank and credit card statements. A 401(k) retirement plan and several years' worth of tax returns. A lease agreement.

Sitting atop his unmade bed, legs crossed and hunched over the computer, Wade cracks his knuckles and begins. The first thing he does is pull up Peter's ID. It was issued several years ago and the picture of him isn't great, as most identification pictures are; yet despite the grainy quality and the bad lighting, the man depicted looks the same as the man sleeping on Wade's couch. Brown hair, brown eyes, button nose. The only difference is that his curls are a little longer in the photo, hanging messily past his ears.

Kinda mad scientist looking, Wade thinks fondly.

Wade goes through every document meticulously. He learns that Peter was born on August 10th to Richard and Mary Parker. He doesn't drive—unsurprising, considering he was born and raised in New York City—and he grew up in Bayside. During middle school and high school, he won first place eight separate times in various science fairs and—as an undergrad—he was an honors student who graduated with a 3.8 GPA. He has a prescription for an MDI to treat mild asthma; a generic prescription for generalized anxiety; and prescription glasses for moderate myopia.



And according to the date on the marriage license, he and MJ have been married for nearly five years.

Five fucking years, Wade thinks. Peter would have been twenty-one, married in the brief pause between finishing his bachelor's and starting his doctorate.

When Wade was twenty-one, he was in Indonesia. He spent his time picking up Malay, developing a tolerance for spicy food, and trailing various members of an extremist group who sold dirty bombs on the black market. Marriage had been the last thing on his mind. Hell, marriage hadn't even occurred to Wade until he was dying of cancer. For months he wondered if it would be kinder to leave Vanessa as a dead boyfriend or a dead husband; when he finally proposed, Wade could barely hold his arm up, and Vanessa had just cried, and cried, and cried.

He guessed that meant no.

Inhaling deeply through the nose, Wade sets Peter's marital status aside and delves into the other documents, focusing mostly on his academic accomplishments instead of personal information. Interestingly, the scientific papers Peter has co-authored are focused on spider silk: the elucidated molecular structure of various species, mechanical properties, and potential benefits of a bioengineered polymer combined with inorganic nanoparticles.

I synthesize it in a lab, Peter had said. It's definitely not... organic.

Peter's dissertation is a variation on this theme, and the company he works for develops unique polymers for 'sustainable and long-term use'. Wade wonders if that's where Peter creates the web-fluid he used the night before to immobilize Wade's hand and gun. Personally, Wade can't think of any way such a thing could be used commercially. He can think of ten different ways it might be weaponized, but he's also an ex-soldier turned man-for-hire, and he sees the world differently than a scientist invested in renewable resources.

Maybe the military saw it differently, too.

Yet despite Wade's hunch—that Peter's powers came from top secret government hijinks—nothing Weasel sent him indicates that Peter's tied up in anything of the sort. There isn't even a hint of suspiciousness. If there is a larger power at work behind everything, then they've done an incredible job of hiding their involvement.

Pulling up Peter's bank and credit card statements, Wade does not see anything unusual either. Rent payments, student loan payments, various subscriptions, and other random purchases. Most of the extraneous charges hover around $10 to $15. Lunch, Wade guesses, or take out. The most recent statement ended over a week ago, however, so if there was any disruption to Peter's normal card usage, Wade can't confirm it.

Wade sighs. As Weasel said earlier, Peter is a dead end.

The last thing Wade opens is Peter's lease agreement. It's a decent apartment in Astoria—one bedroom, one bath—with a monthly payment that's neither cheap nor exorbitant for its location and size. Both Peter Parker and Mary Jane Watson are listed as legal occupants. They've had it for three years, and the address listed is different from the one on Peter's ID card. Technically Peter should have gotten a new ID when he moved but—

Wait.

Wade's eyes crawl back up to the address listed.

It's familiar. Not in the 'I've lived in New York City for seven years and I know my way around' kind of way but the 'I know this place well enough to start ignoring the street signs' kind of way. A strange feeling comes over Wade as he pulls up Google Maps and types Peter's address in, hitting the 'enter' key with more force than necessary.

The page loads.

Peter's apartment is a mile away. One point two miles to be exact. An easy fifteen minute walk. Wade knows because he's made it many, many times since moving into his current apartment, at least once every two weeks. Sometimes more.

That's by my favorite Thai place. Wade runs a hand over his buzzed hair, stopping at the nape of his neck and squeezing the tense muscle. I could have walked past him a hundred times.

And maybe... Maybe Wade has.

Staring at the tiny red pin on the map, Wade feels the sharp scratch of realization inside his skull. One of the biggest mysteries Wade has not been able to solve was why Peter latched onto Wade. If Peter was indeed from this universe, as Wade mostly believed, why him?

At first Wade thought it was purely coincidence. Maybe Peter had scuttled into Wade's apartment at random and imprinted on him, his trauma-riddled brain constructing an entire backstory in the five seconds they stared at each other. Unlikely, Wade knew, but so was super strength and sticking to the ceiling.

A smaller part of Wade—a part he had been actively ignoring until now—wondered if it went back even further. Wade enlisted on his eighteenth birthday and had been an active soldier until his dishonorable discharge at twenty-six. He's been all over the world. Done a lot of things. Met a lot of people. It's doubtful that Wade met a barely legal Peter during his last year of service, as most of it was spent being a grunt protecting capitalism's investments in the Middle East, yet there was no way to be sure. Wade really doesn't want to think that he was in any way involved, even unknowingly, but...

Again.

There is nothing probable about Wade's current situation. In fact, Wade would say that his situation lands firmly outside the visible portion of the bell curve, in one of those tail ends that stretches out infinitely towards 'not gonna fucking happen'. Except it is fucking happening and Wade has to figure out how to navigate the impossibilities.

This, though. The fact that Peter's listed address is right next to one of Wade's favorite and most frequented restaurants. Maybe Peter saw him, time and again for years while Wade remained oblivious. Maybe Peter's break from reality was a long time coming and the resulting delusion had been crafted from slowly collected details. Wade is loud and he often overshares in the form of a bad joke; it wouldn't have been hard for Peter to learn things about him, especially the cancer.

And all that stuff he asked you? It was specific, but what did he really know about you? whispers the forever rational and unforgiving corner of Wade's brain. He acts like he knows you, trusts you, but he doesn't actually know anything. You just wanted to believe it and so you did.

This new insight explains why Peter might have latched onto Wade instead of one of the other eight point five million people living in New York City. Sure, it would still be a coincidence that Peter constructed a false reality with Wade as one of the major players, but the coincidence has firm roots in Wade's routines and—most importantly—it makes sense.

"Still doesn't tell me jack shit," Wade mutters. He is no closer to finding out the truth than he was an hour ago. All he has are mundane details attached to an exceptional person, and that leaves him with two options:

Option #1: Let Weasel and Peter do their respective research and go from there, or Option #2: Be proactive.

Wade quickly considers the pros and cons of both before deciding on the latter. He's never been the kind of person to sit around and wait; inaction makes him antsy, and the more antsy he gets, the more... inventive his responses become. It is truly in everyone's best interest that Wade tackles this mystery immediately instead of making him mull over more possibilities while he rigs increasingly dangerous C4 explosives in the spare bedroom.

Besides, Wade's approach is unique from Weasel and Peter's. They approach situations from more cerebral angles, and nerds like them tend to forget that most people are dumb, basic animals. Sometimes the best intel can't be gathered digitally. It needs to be found under a not so metaphorical squeaky floorboard or stuffed in a not so metaphorical mattress.

Or, in this case, from a not so metaphorical apartment in Astoria.

Tomorrow—or today, considering the late hour—is Thursday, which is a good day to break into someone's apartment. Most people tend to be at work during the day on weekdays and, in an apartment complex, this means there are less people around to potentially catch you when you jimmy open a door. Obviously, Peter won't be there, but MJ? Wade knows nothing about her other than she's married to Peter, including if she has a job that will remove her from the premises so Wade can snoop safely and uninterrupted.

Opening a new tab on his browser, Wade searches for 'Mary Jane Watson'. He knows that it isn't the most effective way to search for people, but he's hoping that he'll get lucky and—

Whoa.

The images that show up under the search bar feature a red-headed bombshell with beautiful green eyes, a femme-fatale smile, and old Hollywood glamor. She's wearing full make-up and gorgeous dresses in every photo, posed against varying sponsored backdrops. Below the small collage of pictures are links to several social media accounts and a Wikipedia page. Wade skims the small 'ABOUT' section that automatically populates on the right-hand side of the page. She's an up-and-coming actress that's played various small television roles, was born the same year as Peter, and... is married to Peter Parker.

"Holy shit," Wade says because, honestly, holy shit.

Wade doesn't know what he expected from Peter's spouse. Held at gunpoint, he would probably describe Peter but in lady form: someone good-looking but not immediately arresting, until the details and personality came out like a sucker punch. Wade isn't downplaying Peter's physical attractiveness—far, far from it—but MJ is Jessica Rabbit levels of hot, the kind of hot that gets wolf-whistles and double-takes.

Wade hadn't been that hot even before his face was permanently disfigured.

Not that it matters, Wade berates himself. It's not a competition. He's already married her.

Scrubbing a hand over the lower half of his scar, the thick line of keratin smooth beneath his touch, Wade ignores the re-emerged jealousy bubbling acridly in his gut and thinks about what MJ's career means for his plan. As an actress, her hours are less predictable than the average salaried schmuck. Of course, this won't stop Wade; there's no fun in a little B&E without the element of uncertainty. He'll just have to compensate for potentially barging in on Peter's starlet wife.

Having decided on his course of action, Wade exits out of everything on his laptop, closes it, then sets it underneath the bed frame. He makes sure he has an alarm set, checks that his gun is underneath the opposite pillow, then turns off the bedside lamp. He lays back down and spreads his limbs wide, the cotton sheets pleasantly cool against his bare feet and naked forearms. None of the deep shadows on the ceiling or in the corners of his bedroom move. Yet unlike the night before, when Wade had passed out almost immediately after making Peter pancakes, sleep will not come to him. His thoughts keep turning in an effort to make connections that aren't there and, in the end, he keeps asking himself one question:

What do an ex-soldier, a quantum information scientist, a monk in Nepal, a vintage car mechanic, and an actress all have in common?

.

Wade wakes. His hand is under the pillow, gripping the handle of his gun—but it was the familiar blare of his alarm that woke him, not panic, and his fingers slide away easily. It takes more effort to roll to the side and grab his phone off the bedside table, hit snooze and drop it on the mattress next to him.

He falls asleep again.

Wakes.

Snooze.

Snooze.

Snooze.

Half an hour after his original alarm, Wade sits up. 9:37. He yawns, mouth opening so wide it hurts the hinge of his jaw. Untangles his legs from the sheets and shuffles across the room. Opens the door, looks at Peter still asleep on the couch, and shuffles into the bathroom. Brushes his teeth. Hops in the shower and pees down the drain. His dumb, traitorous dick grows hot as he scrubs his body down; his hand is nice and slippery with soap, and this is usually when he starts to jack it.

"Not today, buddy," Wade tells his pitifully hopeful half-chub, the head poking out tentatively from the foreskin like a question. "Letting you drive the car yesterday was a mistake."

Wade gets out of the shower, skin pink, and wipes the condensation off the mirror to look at the rough stubble of his face. A few white hairs are growing on his chin to match the ones on his temples, but he once again postpones shaving. He rubs on some moisturizer—he isn't a heathen—and some deodorant. No cologne though, because cologne is a bad idea for both stealth missions and inappropriate wooing.

Wrapping his towel around his waist, Wade exits the bathroom. Glances over into the living room. Peter is barely cognizant, sitting up with his hair a fluffy halo around his face. Seeing him awake surprises Wade somehow, and he stops halfway between his bathroom and bedroom, dripping on the floor.

"Morning," Wade says reflexively.

Peter groans, the barest approximation of human speech.

"Bathroom's free, if you want." The combination of his lack of mental coherency from having just woken up and his almost nakedness make Wade feel wrong-footed. "I was gonna get dressed and start breakfast. Sound good?"

"Coffee too?" Peter garbles.

"Like either of us can function without it."

Peter turns his head to look at Wade, eyes flickering down the length of him: skin still damp, thighs barely contained by the towel, nipples tight in the cool air.

"Mmm," Peter hums, eyes half-lidded. "Okay."

Wade all but retreats into his room and tries to tell himself that there is no way—absolutely no fucking way—that Peter was checking him out. People just did that sometimes. Looked at other people. Especially when said other people were mostly naked and wet and standing like a fool in the hallway. And Peter's eyes were glazed because he was still sleepy and not because he liked what he saw and wanted to get all up on that—

Wade's dick gives another valiant twitch.

"No," Wade hisses at the little eager bump beneath the towel. "Down boy."

Once again ignoring his dick, Wade dresses in briefs, socks, and black joggers, and layers a black crewneck over a long sleeve shirt. He also picks out new clothes for Peter. Peter can wear the jeans from yesterday again, but Wade grabs a fresh pair of socks, a plain white tee, and a sturdy flannel.

After that, Wade opens the bottom drawer of his dresser and pulls out a pair of gloves and a balaclava, a lock-pick set, a camera detector, and two tactical daggers in clip-on sheaths. All of these go into one trusty fanny pack, which he takes out of the bedroom with him and hangs next to his jacket by the front door. He also brings the clean clothes with him; Peter has already ensconced himself in the bathroom, so Wade sets them on the floor.

"Pete!" Wade half-yells, knocking on the bathroom door. "Clothes!"

"Thanks!" Peter shouts back.

While Peter showers, Wade brews coffee, toasts the leftover bagels from yesterday, fries up four sunny-side up eggs, and heats the pre-made sausage patties in the microwave. The bagels, eggs, and sausage patties are assembled into breakfast sandwiches, one for Wade and three for Peter. Peter emerges as Wade is pouring the coffee out into clean mugs.

"Looks good." Peter sits on the barstool, wet hair sticking to his forehead and neck.

"Hot sauce?" Wade asks as he sets a mug in front of Peter. "I have Cholula or fiery habanero."

"I do not have your spice tolerance, Wade. Do you have ketchup?"

"Firstly, fuck you, you vile blasphemer," Wade says even as he moves towards the refrigerator to get Peter his bland condiment. "And secondly, get out of my house."

Peter merely smiles sweetly, shakes up the bottle after Wade hands it to him, and squeezes a huge dollop onto the plate. Wade slathers his own breakfast sandwich with the fiery habanero hot sauce as though proving a point.

They are quiet as they eat. Neither one of them mentions the night before. It was too emotionally raw and—if Peter is like Wade—he'll need a few days to process before he can talk about it with minimal deflection. By the time Wade has finished his singular breakfast sandwich, sucking the grease and traces of hot sauce off his fingers, Peter is already starting on his third.

"I have never seen anyone eat as fast as you do," Wade says. "Can I just say how impressed I am by your ability to unhinge your jaw like a snake? Or is that a secret spider power too?"

"Sometimes, if you don't eat fast while on patrol, you don't eat at all. Do you know how many times I've left a half-finished sub on a rooftop only to find it gone when I came back? Too many."

"What the hell was taking it?"

"It's New York," Peter answers with a shrug. "A rat? A cockroach? A particularly tenacious pigeon? I don't know and I don't wanna know."

"Crazy," Wade mutters because, yeah, he doesn't want to know either. He takes a swig of his coffee and changes the subject. "Anyway, I'm gonna head out soon. Got a new job from Weasel yesterday."

"The boring stuff?"

"A dead end," Wade answers truthfully. "I'm gonna see if I can't dig up a little more. Shouldn't take me too long, and I can pick something up for lunch after. Do you like Thai?"

Peter hums in affirmation. Nothing about his expression or body language changes. Not that Wade was expecting it to, but people could be odd about their triggers; if Peter associates Wade with Thai food at all, he doesn't show it.

Putting their plates and his mug into the sink—the dirty dishes starting to build into a precarious mountain—Wade retrieves his laptop and charger and sets it up in the living room so Peter has something to do while he's gone. Peter smiles at Wade and thanks him as he grabs his boots and laces them snug.

"Try not to get arrested," Peter says.

"No promises," Wade answers as he clips on his fanny pack. Then—with a cheeky salute—Wade is out the door, down the stairs, and on his way to commit a class A misdemeanor.

.

The apartment building is a brick, post-war walk-up with fire escapes crawling down three of the four sides. Unfortunately for Wade, each side is highly exposed to the semi-busy street below and—even if they weren't—he has no idea which one will lead him into the correct apartment. So he goes in the old-fashioned way: through the front door.

Peter's apartment is labeled with vinyl stickers, a black, italicized 4-B printed against a white, rhomboid vinyl. Wade stands there for several minutes, eyes closed, and listens. The fourth floor and apartment 4-B are still and silent. Wade cannot hear anything, not even the murmur of a television or the shuffle of a moving person, so he opens his eyes, unzips his fanny pack, and crouches down onto one knee.

Years of experience guide Wade through the next minute without hesitation or thought. He needs everything he put in the fanny pack, so he takes care of each item as he randomly pulls it out. The tactical daggers get strapped to his boots; the balaclava gets pulled over his head; the camera detector is set down on the ground by his left heel; the lock pick set is placed by his right knee; the half-eaten bag of shark gummies—

Ooh, shark gummies! Wade thinks. He takes one of the gummies out of the bag and pops it into his mouth. Must be from last time. Thank you, past me, for your generosity and forethought.

The shark gummies go next to the camera detector, and his gloves go next to the lock pick set, which he grabs now that his fanny pack is empty. He pulls out two of the picks and—in under ten seconds—has the key pins leveled at the shear line, opening the lock. He gently twists the doorknob and cracks the door, peeking inside.

It's dark.

Empty.

Wade exhales slowly and puts the picks back, then stows the set and the shark gummies. He dons his gloves, then grabs the camera detector with his left hand. Stands. Opens the door and steps inside, using the hem of his crewneck to wipe the doorknob free of prints. Closes the door. There's a security guard bolted to the jamb that Wade uses; if anyone tries to get in while he's there, it will buy him at least a few seconds to exit via the fire escape.

Without turning on the light, Wade gives the apartment a cursory glance. It's a nice place. Renovated recently—within the last few years—and has the neutral walls, white molding, and nice wood veneer flooring that are currently popular. To Wade's left is a small coat closet, which then turns into a small galley kitchen. A decent sized living room. Two doors beyond that, both ajar, identified easily as the entrances to the bedroom and bathroom. Both of those rooms are dark as well, but Wade quietly beelines to the bedroom to make sure the no one is sleeping.

Again, empty.

Wade sighs with relief, shoulders sagging. He has definitely walked into occupied rooms in the past, and the fallout generally involves being shot at.

Turning back, Wade goes back into the living room, flipping on both the overhead lights and his camera detector. He brought it to check for recording devices, in case the military had eyes on the place, and the first thing he does is a methodical sweep of the space. When nothing causes bounce back, he begins to search. Wade doesn't know what he's looking for exactly, but he figures that he'll either know it when he sees it or he'll get lucky and find a USB taped somewhere weird.

Wade really hopes he find a USB. To him, it's the modern equivalent of finding buried treasure.

In the living room, Wade opens every drawer, both of the tv console and the side tables; he checks under the couch, under the couch cushions, and in the couch cushions; and he checks behind the television and on top of the ceiling fan's blades. He finds nothing but dust and crumbs there so—with a put out sigh—Wade moves to the kitchen.

The kitchen is a little messy. Crusty dishes are stacked up in the sink, the counters are cluttered with appliances, and unopened mail is littered about in various piles. There are take out containers and a bag of wilted lettuce in the fridge. The trash can is full of wrappers, empty cans of seltzer, and the boxes of microwave meals. The oven desperately needs to be cleaned, bits of old food charred lumps carbonized to the bottom floor. Wade scours every inch of the kitchen but—once again—he finds nothing.

"If this is another fucking dead end..." Wade mutters as he moves to the bathroom to start the process over again.

The bathroom is where Wade starts to put together the puzzle pieces. It is as vaguely dirty as the rest of the apartment, a swatch of disarray layered over by a thin tinge of neglect, but the lack of cleanliness isn't what makes him suspicious. It's the fact that every single product in the bathroom is geared towards men. The gray bottle of two-in-one shampoo and conditioner. The Irish Spring soap. The razors, the deodorant, the body spray. The dark blue towels and washcloths. The rumpled bathmat and single PEVA shower curtain.

There isn't a single thing in the bathroom that indicates a woman lives here at all: no products, no make-up, not evening a fucking tampon.

Leaving the bathroom, Wade enters the bedroom. Scans for cameras, finds none. Goes to the closet and sees only button downs and slacks and blazers hanging from nice wooden hangers. There's a dresser below that has more clothes in it: folded jeans and colored seersucker shorts, a pair of red swimming trunks, graphic t-shirts, underwear and socks.

No clues.

No trace of MJ, either.

Going to the bed, Wade kneels to check underneath the frame. A lone sock is balled up underneath with the dust bunnies. Nothing else. Wade groans and gets back up. Eyes the large, unmade bed. A mess of blankets and two standard pillows, one more rumpled than the other. Wade imagines Peter sleeping, curls splayed across the sheets, mouth slightly open.

"Eh," Wade says aloud as he eyes the pillow. "Fuck it."

Tugging the balaclava off, Wade flops face down onto the bed, feet hanging off the edge and nose smushed into the pillow. He's being a creep—he knows that—but the action itself is harmless. So he breathes in, and in, and in.

Detergent. Shampoo, soap, and sleep sweat. The faintest traces of musk.

Peter.

Rolling onto his back, Wade reaches into his fanny pack and pulls out the remaining shark gummies. They're a little stale and extra chewy, giving him something to physically gnaw on while he mulls over the reality that Peter's apartment is overwhelming ordinary. There is no surveillance of any kind and there was nothing unusual to be found. Which is weird. Military institutions love to keep close tabs on their pet projects. If Peter isn't being monitored, then no one knows he's missing or...

Or no one knows he has superpowers.

It's an idea that Wade hasn't had before. Perhaps Peter is one of those crazy scientists who believed so firmly in his own research that he injected himself with spider DNA and kept the results a secret. Or maybe that story Peter told Wade two nights ago—in which he was bitten by a radioactive spider—contains a kernel of truth. Either explanation feels too good to be true; in Wade's experience, nothing is ever so simple or easy.

And then there is the fact that MJ does not live here.

It doesn't add up. The lease Weasel pulled says that both Peter Parker and Mary Jane Watson rent this apartment. Peter says he's married and wears the ring. But there's no trace of another person in the apartment, despite what the lease says. If MJ ever lived here, she hasn't for at least the past several weeks.

Wade sighs, annoyed.

Another dead end.

Swallowing the last masticated shark gummy, Wade pulls his phone out of his pocket and checks the time. 1:16. He's been combing through Peter's apartment for over two hours. He should leave soon, go get enough Thai to knock a normal man into a tryptophan-induced coma, and head back to his place. After lunch and a nap, he can scroll through some of the social media accounts MJ and see if he can't track her down. Peter wanted to keep distance between himself and his loved ones, but...

The thing is, Wade's been doing shifty stuff since he actively went against orders and was slapped with a dishonorable discharge. Stuff that would have gotten him into trouble with the law if he was caught and stuff that have gotten him into actual trouble with the lawless who hunted him down. He's done some not shifty stuff too, like dog-walking and helping old couples move heavy boxes and threatening people's abusive dirtbag exes. But mostly it's been shitty, because Wade is very, very good at doing the shitty stuff.

Doing recon on the wife?

Well, it's shitty, but it won't be the shittiest thing Wade's ever done. So he gets up, takes one final look at the semi-depressing bachelor pad that is Peter's apartment, and leaves.

.

The Thai place Wade frequents is down the block and around the corner. It takes about twenty minutes for his order to be finished and he spends that time sitting at one of the small tables, mindlessly scrolling through MJ's public and personal instagram accounts.

There is a lot of content, but all of it is curated: no bad angles, no controversy, no wedding ring. Even the selfies are flawless. Wade cannot begin to imagine how exhausting that must be. Sure, his scar is ugly, and he's violently reminded of its existence every time a stranger looks at him for longer than a glance, but that's just his face. Having every inch of yourself scrutinized by thousands—by millions—must be awful.

"Wade!" the man behind the counter calls. "Order 67! Wade!"

The shout knocks Wade out of his thoughts. He pockets his phone, thanks the worker, and takes the two plastic bags stuffed with styrofoam take-out containers.

Outside, the brisk spring air nips Wade's cheeks and keeps him cool as he walks home. The foot traffic is light but his eyes still flit around, checking buildings and other people out of long habit, before unconsciously settling on the back of a man's head about twenty feet in front of him. The man is shorter than Wade, with brown hair and a lean body. The jeans he's wearing do little to hide his frankly spectacular ass and, when he turns his head to the side, Wade can see that his glasses have slipped down his nose. It's a cute nose, round and upturned, and—

"Peter?" Wade says loudly, abruptly.

The man stops—

Turns around—

And in the space of heartbeat, as Wade stares at the familiar face of Peter Benjamin Parker, a shadow emerges from the adjacent alley to drag him away.

.

next → : Part 10

.

[itsjustmarle]

Let’s talk about samples!

I return from the Easter break 🐣 with some food for thought to explore. I wondered for a long time whether I should come up with something striking or related to past core content, but since I would like to revisit my Erasmus, I decided to put together my experiences and insights from my colleagues' blogs and from course lectures tied to this project. 

GUERRILLA DESIGN is the first shot

I came across this concept while scrolling through the course material and would like to bring it into a declination of examples chosen to mix my personal experience with its relevance in a social and cultural context. 

We can barely try to define this extremely varied practice:

“Unsanctioned, unscripted, and seemingly “undesirable” activities have long appropriated urban spaces in routine and sometimes unexpected ways, bringing new meanings and unforeseen functions to those places.”

This special issue aims to advance our understanding of urban design by situating it in a broader social, economic and political practice that includes formal and informal practices performed by a wide variety of individual and collective actors.

Expressiveness can be demonstrated by many nuances:

Street vending

When vendors take over street corners and sidewalks on a daily basis to provide basic and necessary services to city dwellers.

Here some cool, cutting-edge and Italian-vibes examples:

Graffiti

Gardening

Knitting

Skateboarding

Coming across the Graffiti thing I feel in the mood to share with you, tongue firmly planted in cheek, the most relevant model of resistance in street art beliefs: Banksy.

He has built a celebrated body of work, both permanent and impermanent, that uses satire, subversion, black humor and irony to create social, political and humanistic messages that resonate with the masses on a popular and public level. He is credited with catapulting guerrilla work into the mainstream as a viable art form.

I had the opportunity to see a very well curated exhibition here in Vienna, which was extended until 16th of April, with a substantial portion of his artwork, and my attention was stolen by the material applications pasted into the public and collective environment. 

That was my closest contact with Banksy's art and I really enjoyed all the provocative works, especially material and architectural ones, such as the following:

October 2013, Banksy undertook a month-long residency in New York entitled ‘Better Out Than In.’ 

Summer of 2015, Banksy opened the dystopian theme park Dismaland in the seaside resort of Weston-super-Mare. Prepared entirely in secret, the project unveiled 10 new works by Banksy as well as works from 58 other artists.

Banksy went on to participate in the designing of the Walled Off Hotel in Bethlehem in 2017, opposite the Israeli West Bank Barrier.

To show you more:

[digantpatel0]

10 Fintech Trends Every Manager Needs to Know for 2022

You must stay current with trends if you lead in the financial sector. As finance moves online, these trends will aid in keeping your company competitive while attracting and retaining top personnel.

Alternative financing, which can give consumers a way to avoid interest, is a trend you should be aware of. This includes super apps and purchase now, pay later (BNPL) options.

Companies can boost customer retention and create an extra source of income by using embedded finance. Financial services integrated into a product or service increase customer satisfaction and cut costs.

A crucial component of a successful embedded finance approach is product breadth. Distributors can begin by accepting payments before moving on to lending or more complex products to meet customers' more extensive financial requirements.

AI automates processes and analyzes real-time data to assist businesses in making better choices. It lessens human mistakes as well.

This is particularly helpful in professions where human error can result in expensive errors or even fatalities. For instance, manufacturing businesses can monitor output and consider potential mistakes to guarantee a higher level of safety.

Alternative lending can be a lifesaver for business owners needing funding outside of conventional banks. These funds may be employed for company expansion, inventory purchases, or employee hiring.

Compared to conventional banks, these lenders' application procedures are much simpler, and their response times are shorter. No extensive paperwork is required because the complete process is digital.

To control their spending, consumers increasingly opt for purchase now, pay later (BNPL) options. Because of this flexibility, e-commerce companies and retailers see an increase in sales.

Utilizing BNPL services, however, can also raise the danger of debt accumulating. BNPL providers must ensure they have access to accurate job verification data to reduce this risk.

Super apps combine various services to provide users with a one-stop store for all their needs. Customers and businesses greatly benefit from this because it lowers re-acquisition costs by keeping current users on one network.

When, where, and how individuals interact with financial services are all altered by embedded finance. Both financial and non-financial businesses can benefit greatly from it.

China's WeChat is a prime illustration of a super app that houses a variety of services, including payments, e-commerce, and messaging. Similar apps like Paytm from India, Grab from Singapore, GoTo from Indonesia, Zalo from Vietnam, and Kakao from South Korea are already industry leaders.

Additionally, by transforming the data, analysts can gain more information. Additionally, it enhances data integrity by removing mistakes and irregularities.

A digital ledger technology called blockchain can enhance financial management procedures. Transparency in financial services can be improved, transaction costs can be eliminated, and fraud can be decreased.

By utilizing a distributed network of computers, the technology enables users to document transactions in a secure and impenetrable manner. The network's users reach an agreement on each transaction's integrity.

The continued adoption of digital payments has been one of the biggest trends in the finance sector since 2020. Even though contactless payment methods acquired popularity during the COVID-19 pandemic, this tendency might intensify in 2022.

Limiting personal contact and stopping the spread of germs is top of mind for many in today's COVID-19 climate. Businesses can benefit from contactless purchases by enabling this.

The traditional bank model is being challenged by challenger banks, which impose transparent fees, provide a better customer experience, and advance technology. They are becoming increasingly well-liked among customers who no longer trust their conventional banks.

They can provide a complete range of banking products and technology to their BaaS customers, which is advantageous for fintech companies that only provide their tech stack and e-money and lack banking licenses.

Without sending customers to conventional financial institutions, embedded finance integrates financial services like lending, payment processing, or insurance into the infrastructure of non-financial companies.

For non-financial companies, embedded finance is more cost-effective, quicker, and easier to implement than construct and buy.

Embedded banking is expanding quickly in various sectors. Lead use cases include retail and e-commerce networks, marketplaces for ridesharing and two-sided meal delivery, and payments for mobile apps.

Through data aggregation, marketing professionals can export, organize, and reformat their marketing data. This procedure is crucial for many purposes, including tracking success and calculating ROI.

[cemerlangjaya]

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Ingin mengadakan pelatihan digital marketing di dinas tempat Anda bertugas?

Anda akan belajar digital marketing yang MUDAH - LANGSUNG PRAKTEK - TANPA PUSING.

Materi cocok untuk pemula. Buat yang gaptek sekalipun.

Bisa juga sebagai materi pembekalan untuk yang akan purna bakti.

Siap diundang untuk seminar - pelatihan - workshop - lokakarya - gathering - in house training - kursus - private - peningkatan SDM dibidang digital marketing/internet marketing/pemasaran online.

Profile pemateri :

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Pranata Komputer di lembaga riset pemerintah terbesar di Indonesia

Praktisi digital marketing

Penulis Buku

[indogencapital]

Daftar Venture Capital di Indonesia

Perusahaan modal ventura secara umum adalah lembaga keuangan yang menyuntikkan dana ataupun modal kepada perusahaan rintisan atau startup digital. Venture capital ini berinvestasi kepada startup untuk membantu bisnis mereka, serta membentuk ekosistem.

Perusahaan yang diberikan pendanaan pun biasanya diyakini memiliki prospek atau potensi besar dalam jangka panjang, serta mampu mengembangkan bisnis secara cepat. Perusahaan modal ventura ini mengelola dana dari banyak pihak, antara lain kalangan investor kaya, bank investasi, serta lembaga keuangan lain.

Berikut daftar venture capital terkemuka di Indonesia:

1.Indogen Capital

Indogen Capital adalah sebuah perusahaan modal ventura terkemuka asal Indonesia yang berinvestasi pada perusahaan rintisan (startup) tahap awal (post-seed stage up to series A) di wilayah Asia Tenggara. Perusahaan modal ventura ini sedang memperluas peluang ekosistem startup ke Kawasan Asia Timur. Striders merupakan perusahaan investasi asal Jepang yang turut ditunjuk sebagai penasihat Indogen Capital, khusus pasar Jepang dan Indonesia, kawasan Asia Timur.

2.East Ventures

East Ventures adalah perusahaan modal ventura yang melanglang di Asia Tenggara sejak 2009. Hingga kini, East Ventures berpengaruh sangat pesat. Bibit investasi yang mereka tanam telah berkembang pesat, di antaranya Tokopedia, IDN Media, Fore, dan Buku Warung. Saat ini, East Ventures memiliki 6 pendanaan tahap seed dan 2 pendanaan tahap growth. Portofolionya telah melampaui 200 perusahaan, dengan total anggota 60 di kantor Indonesia dan Singapura.

3.Alpha JWC Ventures

Alpha JWC Ventures adalah perusahaan venture capital Indonesia yang didirkan pada 2015 oleh Founding Partners Jefrey Joe, Chandra Tjan, dan Will Ongkowijaya Sejak saat itu. Alpha JWC Ventures telah berinvestasi di beberapa perusahaan startup terkemuka, seperti Ajaib, Carro, Finaccel, Kopi Kenangan, Lemonilo, dan Gudangada. Hingga kini nama Alpha JWC Ventures semakin dikenal banyak orang, khususnya Indonesia.

4.AC Ventures

AC Ventures merupakan perusahaan modal ventura terkemuka di kawasan Asia Tenggara yang berinvestasi di perusahaan rintisan (startup) tahap awal yang berfokus pada pasar Indonesia dan Asia Tenggara. Didirikan pada 2014, AC Ventures telah berinvestasi kepada 120 startup terkemuka di Asia Tenggara ataupun Indonesia. Portofolio venture capital ini seperti Xendit, Carsome, Stokbit, Ula, Shipper, Aruna, SkorLife, Ideal, dan Atma.

5.MDI Ventures

MDI Ventures atau Metra Digital Inovasi merupakan perusahaan VC milik BUMN PT Telkom Indonesia (Persero) Tbk. Sejumlah startup yang telah didanai, diantaranya Kredivo, Qlue, dan Payfazz. Didirikan sejak 2015, MDI Ventures semakin berkembang saat ini, karena banyak bisnis startup yang sudah terkenal di Indonesia. Hingga kini MDI Ventures sedang melebarkan sayapnya untuk menjangkau bisnis startup lainnya.

[kantorberita]

Transformasi Digital: Pemkab Seluma Terapkan QRIS dan EDC untuk Pembayaran Pajak dan Retribusi

Transformasi Digital: Pemkab Seluma Terapkan QRIS dan EDC untuk Pembayaran Pajak dan Retribusi KANTOR-BERITA.COM, SELUMA|| Untuk menghadirkan layanan pembayaran pajak dan retribusi daerah, Pemerintah Kabupaten (Pemkab) Seluma melalui perwakilan dari Kepala Bidang Pembukuan dan Pelaporan (Bapenda), Yulian Sulestri, SE, bersama dua stafnya melakukan Koordinasi dan Konsultasi tentang…

[ilalangtertiupangin]

modus baru

EJAK beberapa hari terakhir media sosial dihebohkan postingan yang menunjukkan modus baru kejahatan siber. Pasalnya, pelaku berpura-pura dari jasa ekspedisi lalu mengirimkan file dengan ekstensi APK. �Kalau tidak jeli dan hanya melihat judul file, bakal terkecoh pingin nge-klik dan unduh file-nya,� tulis seorang pengguna Instagram sembari mengunggah foto tangkapan layar berisi chat dari pelaku dengan sebuah lampiran file. Dalam lampiran itu, terlihat jenis file adalah APK dengan nama file tertulis �Lihat Foto Paket�. File dengan ekstensi APK adalah aplikasi yang berjalan untuk OS Android yang biasa dipakai mendistribusikan dan memasang software. �Dalam kasus ini korban telanjur mengunduh file tersebut. Dan tanpa diketahui korban, uang simpanan di rekening banknya ludes. Korban mengaku tak pernah membuka aplikasi apapun dan mengisi user atau password pada situs lain. � Dari beberapa cerita korban dengan modus serupa, kebanyakan mengaku awalnya tidak terjadi apa-apa setelah mereka meng-klik unduh APK. Namun selang beberapa jam setelahnya, tiba-tiba ada pemberitahuan SM bahwa ada saldo yang keluar bahkan ludes. �Sangat besar kemungkinan memang ini adalah jenis malware RAT (Remote Administrator Tool). Cara kerjanya meremote HP korban dari jarak jauh dan beroperasi di balik layar,� imbuhnya. Pihak bank dan dan perusahaan jasa ekspedisi meminta masyarakat untuk selalu waspada dan berhati-hati pada oknum yang mengatasnamakan bank atau jasa ekspedisi. Pakar keamanan siber sekaligus pendiri Ethical Hacker Indonesia, Teguh Aprianto dalam akun medsosnya sudah menshare jejak digital terduga penipu yang menyaru sebagai kurir paket online untuk menguras rekening bank korbannya. Kita berharap polisi dapat menggunakan indikator tersebut untuk mengungkap sang penipu agar tak ada lagi masyarakat yang menjadi korbannya. Selain itu, hingga kini masyarakat juga masih diresahkan oleh aktvitas bisnis pinjaman online dan investasi illegal. Yang membuat miris, mereka yang terjebak pinjol illegal menerima perlakuan tak etis, bahkan teror saat penagihan oleh pinjol. Karenanya, OJK melalui Satgas Waspada Investasi (SWI) terus memberantas pinjaman online (pinjol) maupun investasi illegal yang jumlahnya sangat banyak dan terus tumbuh di mana-mana meski pemberantasan tak henti dilakukan. Pada November 2022 SWI telah menindak 41 pinjol illegal, sehingga sepanjang 2022 sebanyak 618 pinjol illegal sudah ditindak. Selain itu, SWI juga menindak 5 entitas investasi illegal dan 77 entitas gadai illegal. Secara kumulatif, sepanjang 2022 telah dilakukan penindakan terhadap 97 entitas investasi ilegal dan 82 entitas gadai ilegal. Kendati terus ditindak, pinjol ilegal maupun investasi ilegal ini masih terus bermunculan. Pinjol illegal ini kerap merugikan masyarakat sejak kemunculannya beberapa tahun lalu. Pasalnya pinjol illegal ini mencekik masyarakat dengan bunga pinjaman yang tinggi. Oleh karenanya masyarakat harus terus mewaspadai atau berhati-hati menggunakan jasa pinjaman online. Jika sangat membutuhkan pijaman, masyarakat diminta menggunakan jasa perusahaan pinjol yang resmi atau sudah mendapatkan izin dari OJK. Untuk mengantisipasi pinjol illegal, masyarakat dapat mengecek legalitas pinjol melalui situs resmi OJK di laman www.ojk.go.id, lalu klik opsi IKNB pada bagian Menu, dan pilih Fintech. Nah?!

[brookston]

Holidays 3.9

Holidays

American Paddlefish Day

Amerigo Vespucci Day

Armored Warships Day

Barbie Day

Baron Bliss Day (Belize)

Chess Prodigy Day

Day of Waiting (Elder Scrolls)

Day to Mourn Slavery

Doctor’s Day (Venezuela)

Eid Al Moalim (Teacher’s Day; Lebanon)

False Teeth Day

Festival of Primal Ooze

Get Over It Day

Hit the Panic Button Day

Joe Franklin Day

Made in UK Day (UK)

National CBDB Day (a.k.a. Central Bank Digital Currency)

National Dishwasher Appreciation Day

National Heroes and Benefactors Day (Belize)

National Lina Day

National Marcia Day

National Music Day (Indonesia)

National Shane Day

National Urban Educator Day

Panic Day (a.k.a. ... 

Absolute Total Nihilists Bang Clang Day (Los Angeles)

Bang-Clang Day

Wellness Permission League’s Panic Day

World DJ Day

World Trisomy 9 Awareness Day

Zangoose Day (Pokémon)

Food & Drink Celebrations

International Spanish Omelette Day

National Cookie Cutter Day

National Crabmeat Day

National Meatball Day

2nd Thursday in March

International School Meals Day [2nd Thursday]

Nametag Day [Thursday of Name Week]

Popcorn Lovers Day [2nd Thursday]

Railroad Day [2nd Thursday]

World Kidney Day [2nd Thursday]

Feast Days

Archytas (Positivist; Saint)

Catherine of Bologna (Christian; Saint)

Cyril VI of Alexandria, Pope (Coptic Orthodox Church)

Dominic Savio (Christian; Saint)

Erotic Dancing Day (Pastafarian)

Farvardigan (Zoroastrian)

Forty Martyrs of Sebaste (Christian; Martyrs)

Frances of Rome (Christian; Saint)

Gregory of Nyssa (Episcopal Church (United States))

Jackie the Orangutan (Muppetism)

Meatball Day (Pastafarian)

Media Hiems III (Pagan)

Millard Fillmore Day (Church of the SubGenius; Saint)

Pacian (Christian; Saint)

Saitousai (Harvest Festival; Japan)

Socrates (Humanism; Saint)

Strinennia (Festival calling birds and spring to return; Slavic Pagan)

Takaosan Hiwatari Matsuri (Fire Walking Festival; Tokyo, Japan)

Lucky & Unlucky Days

Lucky Day (Philippines) [17 of 71]

Sensho (先勝 Japan) [Good luck in the morning, bad luck in the afternoon.]

Premieres

Can-Can (Film; 1960)

Castle (TV Series; 2009)

East of Eden (Film; 1955)

Fort Apache (Film; 1948)

42nd Street (Film; 1933)

The Hotel New Hampshire (Film; 1984)

Joe Versus the Volcano (Film; 1990)

John Carter (Film; 2012)

The Joshua Tree, by U2 (Album; 1987)

Mike’s Murder (Film; 1984)

Piano Concerto No. 21 in C Major, by Wolfgang Amadeus Mozart (Piano Concerto; 1785)

The Ref (Film; 1994)

Salmon Fishing in the Yemen (Film; 2012)

Sheep & Wolves (Animated Film; 2018)

Splash (Film; 1984)

State Fair (Film; 1962)

Sword Art Online the Movie: Ordinal Scale (Anime Film; 2017)

Take Me Out to the Ball Game (Film; 1949)

A Wrinkle in Time (Film; 2018)

Today’s Name Days

Bruno, Franziska (Austria)

Fanika, Franciska, Nedjeljko (Croatia)

Františka (Czech Republic)

Edvin, Heido, Heivo (Estonia)

Auvo, Edvin (Finland)

Françoise (France)

Barbara, Bruno, Dominik, Franziska (Germany)

Aetios, Eliana, Filoktimon, Iliana, Lysimahos, Sarantos, Sevirianos, Smaragda, Smaragdos, Vivianos, Xanthos (Greece)

Fanni, Franciska (Hungary)

Francesca (Italy)

Ausmis, Ervalds, Ēvalds (Latvia)

Dominykas, Pranciška, Visgailė, Žygimantas (Lithuania)

Sindre, Sverre (Norway)

Apollo, Dominik, Franciszka, Katarzyna, Mścisława, Prudencjusz, Taras (Poland)

Františka (Slovakia)

Catalina, Francisca, Paciano (Spain)

Torbjörn, Torleif (Sweden)

Flavia (Ukraine)

Keely, Kelda, Kelley, Kelli, Kellie, Kelly (USA)

Today is Also…

Day of Year: Day 68 of 2023; 297 days remaining in the year

ISO: Day 4 of week 10 of 2023

Celtic Tree Calendar: Nuin (Ash) [Day 19 of 28]

Chinese: Month 2 (Yi-Mao), Day 18 (Bing-Yin)

Chinese Year of the: Rabbit 4721 (until February 10, 2024)

Hebrew: 16 Adar 5783

Islamic: 16 Sha’ban 1444

J Cal: 7 Ver; Sevenday [7 of 30]

Julian: 24 February 2023

Moon: 95%: Waning Gibbous

Positivist: 12 Aristotle (3rd Month) [Archytas]

Runic Half Month: Tyr (Cosmic Pillar) [Day 14 of 15]

Season: Winter (Day 79 of 90)

Zodiac: Pisces (Day 18 of 29)