AWESOME!!!! " Digital payment solutions represent a huge opportunity in the Indonesian and South Asian market, and KinerjaPay is making a name for itself as a go-to app. As of 2013, nearly 60% of the entire bankable population in Indonesia did not have a bank account, and this will reach 113 million people by 2020. Meanwhile one-third of the population currently has access to the Internet, and with the rapid growth in Internet connectivity rates as cheap handhelds become available, this will climb to 40% in the next few years according to eMarketer."