Fintech is set to be a vibrant part of the global financial system, shaping and innovating the world of finance

Contributed by Benjamin Wong, co-founder and CEO of TranSwap

My Fintech idea came to me in 1997, about 20 years ago.

Back then, I had adequate knowledge on the US currency and wanted to hedge it with an FX forward contract but it was exorbitantly costly. Fortunately, I found a friend overseas with US cash, looking to buy Singapore money. We agreed to swap our currencies at an agreed mid-market rate and that’s how the idea of cross-border FX swapping model came to me.

However, the internet, technologies and regulations were not suitable for fintech innovation back then and I dropped the idea.

Fast forward 20 years later, I finally took the plunge to establish TranSwap, a cross-border payments platform for businesses.

What has changed since then?

Major regulators in respective countries are now beginning to allow fintech companies to operate in the regulated space by providing a fintech-friendly environment and the relevant licenses to operate.

In the United Kingdom, the Bank of England has extended direct access to real-time gross settlement systems (RTGS) accounts to non-bank service providers, giving them direct access to key payment systems.

In Europe, the Bank of Lithuania has given non-financial institutions access to Single Euro Payments Area (SEPA) through their own infrastructure, enabling non-financial institutions to innovate and serve their customers directly, avoiding the need to rely on brokering services of many traditional commercial banks.

Closer to home, Hong Kong is poised to issue the city’s first virtual banking licence by the end of 2019, and Singapore is exploring opening up its real-time, round-the-clock payments system, known as FAST, to Fintech firms to broaden access to various payment players.

Also Read: Yangon’s TOP100 champ sees itself spearheading the future of freelance

Even in Japan, their regulator has announced that it will allow non-bank companies to handle money remittances of over 1 million yen (about US$9,000), lifting a limit that has previously prevented start-ups from providing faster and cheaper services in an area dominated by the banking sector.

Evidently, the payments environment has evolved from a stricter space to a much friendlier one, and the tide is rolling in favour of fintech.

The Cross-Border Payments arena is currently a US$22 trillion market. 80 per cent of these payments are B2B related, with banks currently dominating 95 per cent of this market; banks are still the default option most people and companies for cross-border payments.

With fintech’s leaner operations and utilisation of technology to facilitate such cross-border transaction, companies like TranSwap are able to offer an enticing alternative that is more cost-effective, and quicker too.

As fintech continues to inspire more innovative solutions, it would prove to be challenging for banks to maintain the overwhelming majority in these transactions at current specifications.

With all these deviations from the once traditional and comfortable methods with financial institutions, the disposition has shifted massively from a business-centric view to a consumer-centric perspective with the focus centred squarely on customers’ needs.

Collaboration is key for growing the market

As famous Fintech evangelist Dan Cobley said, the future of innovation in finance will be driven by partnerships between fintechs, who bring innovation, and incumbents who bring distributions.

Essentially, while financial institutions are stable and strong, fintech firms are versatile and offer refreshing ideas.

Financial institutions have a great infrastructure that has been built over many years. This allows for a strong brand recognition with established trust among their consumers. Fintech companies, on the other hand, may not have such strong brand recognition at the start compared to financial institutions.

However, what fintech lacks in it makes up for in an innovation-oriented mindset, agility, consumer-centric perspective and flexible infrastructure created for digital. Financial institutions, on the other hand, are big ships, difficult to manoeuvre, and weighed down by heavy cost-structure and huge staff count that restricts their ability to quickly implement new processes.

But together, they can create new opportunities and fill new market gaps to expand the market.

For example, at TranSwap, we are working with certain local and international banks, not just as a usual banking customer, but partnering to develop innovative financial products and expanding our customer base together with them.

What lies ahead

In the next 10 years, we believe fintech will be a vibrant part of the global financial system. It will take on a major role in shaping the industry and leading the way for innovative financial solutions.

Also Read: Thai VC Digital Ventures invests in Israeli fintech startup Pagaya

Some Fintech companies will eventually become a virtual bank, while some will collaborate with financial institutions and many will thrive in their own area of niche service. It will not be a ‘winner takes all situation’ — the market is huge enough to accommodate those who continue to innovate with customer-centric products.

I look forward to the next 10 years!
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More about Benjamin Wong: 

Having worked in senior management roles in a range of industries, Benjamin is familiar with the issues of settling overseas payment and has now committed himself to help other businesses simplify their FX payments by establishing TranSwap, a cross-border payments platform targeted at businesses. TranSwap is also on the Networked Trade Platform—a Singapore Government initiative—as a Value-Added Service offering local importers and exporters seeking to make payments internationally a cost-effective and convenient solution.

TranSwap offers the most competitive rates through its proprietary online transaction portal and a wide network of FX partners to enable businesses to fulfil payments overseas at the lowest cost efficiently.

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Starting a small business is one thing, but sustaining it is a whole new ballgame

Let’s say you had a great idea to start your own business and you’ve successfully managed to do just that.

Well, congratulations but that’s just the beginning. There’s a lot of planning required before setting up a business.

However, once the business starts, it’s a completely different game altogether.

Growing a business takes both effort and planning. You need to make sure that everything is perfectly in line once you start off. As a small business owner, there will be hundreds of things on your mind, even after you’ve set everything up.

Here’s every step that you need to take just after starting your business.

1. Start off on the right foot

It is extremely important that you start off your business on a strong footing. While this won’t guarantee that your business will succeed, it will definitely reduce the chances of failure.

Make sure that you have a second stream of income flowing when your business starts. You will need money to sustain it until the business takes off. Having a continuous flow of money also reduces the need to borrow.

Conduct thorough market research to get a better understanding of your industry and your target audience. You must also pay attention to your legal and tax issues. Get them in order right from the get-go and you’ll have fewer headaches and responsibilities later.

You must also be ready with professional materials such as business cards, email addresses, and a business phone number.

2. Delegate work

It’s common to see entrepreneurs who think that they can do everything on their own. However, you need to learn how to delegate work to your employees and trust them with it. This will not only ensure that the work is done efficiently but it will also give you time for more important things.

Remember, employees are the very foundation of your small business. Make sure that you hire the right team for your business. While you should definitely take the skills of employees into account, it will also help if you get along well with them. This will ensure that the work environment remains both productive and fun.

You should also get support and advice from your friends, family, and mentors. This will help you broaden your vision. And don’t try to save money doing the jobs you aren’t qualified to do. For instance, if you need help with accounts, hire an accountant to do it. You may lose out on a lot of other things trying to do their job.

3. Build your web presence

No business can get ahead without having a web presence nowadays. Your web presence shouldn’t be limited to just having a website. You need to be proactive to ensure that people who search for relevant things in your industry find you.

For this, you should first build a website and get it listed on the search engines. Once that is done, you can start putting an effort into search engine optimisation. Using advanced SEO techniques, you can improve your search rankings and get more traffic.

Also Read: He scored poor grades at school, landed first job through nepotism, and is now a successful entrepreneur

Along with this, you should also establish your presence on social media. With over 2 billion monthly active users, Facebook is the largest social network in the world. You should take advantage of this tremendous audience on social media.

By establishing a social media presence, you can interact with your customers on a more personal level. You can even keep them up-to-date with the latest happenings in your business. Additionally, you should connect your website to your social media profiles. This can help you get traffic on your website as well.

4. Reduce your overhead

You should create a budget for your business so that you can keep track of your expenses. Then you’ll be able to find unnecessary expenses that may be burning your cash. You can then find a way to reduce those expenses and use that money to push your business further.

For instance, if you have an office space that isn’t being used much, you can use a co-working space. There’s also the option of working from remote locations virtually. This can help you save on office rent and probably offer more competitive prices for your products or services.

5. Connect with other businesses

You also need to start building contacts and connections with both your customers and other businesses. Make sure you visit your competitors and introduce yourself and your business. It’s a good idea to even refer customers to them when it makes sense to do so.

As they are more experienced in the industry than you, they can provide valuable insights and advice. While they may be your competitors, each business has its own specialisation and niche. You must give them credit for the things they do instead of fearing them. There are good chances that it will be reciprocated from their end too.

6. Create thoughtful content

To become an authority in your niche and industry, there is no better way than to create high-quality content. Thoughtfully crafted content can win the trust of your potential customers. When this does happen, they will be more likely to support your business and sometimes, even refer it to others.

Also Read: The world should wish the Singapore fake news law is Fake News

Good content can also get you some publicity. When the content is shared by people or gets featured in a publication, you’ll reach a wider audience. Becoming a respected voice in your industry can help your business succeed.

Content doesn’t necessarily have to be limited to blog posts and webpage content. You can create videos, infographics, case studies, webinars, and more. It’s also a good idea to write guest posts on blogs of other notable websites in your industry.

Final thoughts

Starting a small business is no easy task. You need to plan and execute everything with thorough perfection. By hiring a good team and building a strong presence both online and offline, you can help your business grow.

You need to judiciously use your capital and make the most out of your available funds too.

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Photo by Heidi Sandstrom. on Unsplash

e27 publishes relevant guest contributions from the community. Share your honest opinions and expert knowledge by submitting your content here.

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Nest Tech, specialises in funding seed stage tech startup, has added Singapore-based mobile F&B ordering company Waitrr into its portfolio

Singapore-based F&B ordering startup Waitrr has formed a strategic partnership with Nest Tech, a VC that invests into seed-stage tech startups, in which the latter also invests in Waitrr. The partnership will also look into international expansion.

Founded by Tim Wekezer in 2015, Waitrr’s solution maximises the capacity of floor staff, table-turns, and average ticket size with no up-front cost while capturing consumer insights and enabling restaurants to re-market to their customers.

Waitrr enables diners to order ahead from over 200 restaurants in Singapore via mobile app and provides the diners with payments solution. It provides dining experiences for both guests and restaurant partners.

For F&B outlets, the company said that using Waitrr would improve the operational efficiency of both dine-in and takeaway establishments as it automates the order taking and payment processes. This approach allows restaurants to increase the operational capacity of their staff, so they can provide personalised service to their guests.

For diners, Waitrr offers a fully integrated loyalty and rewards program and partners with F&B outlets such as The Daily Cut, Guzman y Gomez, PAUL, and Da Paolo Gastronomia.

Also Read: The world should wish the Singapore fake news law is Fake News

“We see Waitrr’s technology as the logical next step in the F&B space. Our strategic partnership will see Waitrr expand across other countries in Southeast Asia starting with Vietnam and Myanmar,” said Soe Moe Kyaw Oo, Managing Partner, Nest Tech.

Soe Moe Kyaw Oo established Nest Tech in 2018 to support technology startups in Singapore, Vietnam, and Myanmar, seeking to back entrepreneurs with vision and passion at seed stage.
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Reviews serve as that tangible form of trust for your business and your online marketplace

“Google it.”

We have definitely heard those two words before — probably even spoken them ourselves. The word Google has become synonymous with researching anything on the Internet!

Now consider Yelp.

Some people, especially those living in San Francisco, might consider Yelp the Google of food reviews. They turn to it to look for new cuisines and food joints, relying on its reviews and ratings to instruct their decision.

Now, picture this. You did a quick search on “Japanese restaurants near me”, and multiple relevant eateries pop up. You then narrow down your options to the final two, but to your horror, you find that the two cannot be distinguished. What do you do to resolve that awful conundrum?

You turn to Yelp, and you notice that small yet stark difference. Restaurant A has multiple five-star ratings by exceptionally satisfied customers raving about its food and ambience, while Restaurant B suffers a little in the review department. Alas, we have arrived at our decision: Restaurant A.

Reviews are so critical in our decision-making process. While the recommendations of friends and family rank first in our minds, online reviews come in a close second. According to a Fan & Fuel Digital Marketing Group survey, 92 per cent of respondents mentioned that they would hesitate to make a purchase on items with no reviews.

Reviews serve as that tangible form of trust for your business and your online marketplace. While we may not necessarily believe all reviews – and even empathise with restaurants that receive irrational, negative reviews from accusatory customers – relying on the opinion of others to influence our choices is human nature.

Also Read: Startup Weekend Jakarta 2019 will help young entrepreneurs and businesses succeed in Indonesia

Airbnb has a Superhost status for the crème de la crème of hosts; Uber has a star rating for drivers and passengers; Etsy has written reviews from happy customers that praise the workmanship of the good delivered. To users, these reviews are perceived as “real experiences” and are a helpful reference point for them to refer to.

We’ve raved about the benefits of reviews, but how does one get off on the right foot with regards to reviews for their online marketplace or business?

Getting started – reviews and reputation systems

The simple yet fundamental first step as a marketplace or business owner is to encourage buyers to leave reviews for sellers. After a good has been purchased or service rendered, buyers may be prompted to leave a one to five-star rating, coupled with a written review to justify the rating given.

For example, a marketplace that rents outdoor event spaces. A buyer of that marketplace has had a great birthday party hosted at her chosen venue, so she leaves vibrant compliments about its spaciousness and cleanliness. After her, another satisfied buyer leaves similar reviews commenting on the quality of the space. There is a consensus building up that the outdoor event space lives up to the seller’s claim.

Collectively, these ratings and reviews hold tremendous weight. While sellers can post photos and rave endlessly about how roomy and scrubbed their event space is, a review or two solidifies that description’s trustworthiness.

More about reputation systems

One way that businesses and online marketplaces can implement a rating system is through gamification. This happens when a user (buyer or seller) is awarded points, badges, or higher status in the community for “playing a game,” like performing an action or achieving a quantifiable goal.

Typically, these accumulated points lead to a reward, which could also serve as a reputation status.

Here are some quicks questions to get you started!

• What is the objective of your marketplace: one-time purchases, or repeated ones?
• What kind of user behaviour are you tracking?
• Which behaviours are worth rewarding, and which worth penalising?

Your answers to those questions will determine the design of the reputation system (or game) most suited for your marketplace. For example, if the goal of your reputation system is to allow buyers to determine whether a seller is trustworthy, then a relevant indicator would be to monitor the seller’s percentage of fully completed transactions, service ratings and comments.

Also Read: Our TOP100 Taiwan champion says let’s bring chatbots to real estate!

There is a lot to explore in reputation system and reviews, and it might even seem overwhelming initially. Nevertheless, the first step to get started is simple – encourage and build a culture of review giving in your marketplace.

Reviews build trust among potential buyers, which is so valuable and essential in any online marketplace. But more than that, it also helps to validate a buyer’s decision post-purchase.

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Image by inueng

Samuel Kuek is from the Business Development Team at Arcadier, a SaaS company that provides ideas that allow you to build your own marketplace in minutes. You can follow Arcadier on Twitter, Facebook, and LinkedIn for the latest insights on marketplaces and the Sharing Economy.

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Thailand’s Digital Economy Promotion Agency or depa signs MoU with the companies to receive know-how and technology

Back in February 2019, Thailand’s Digital Economy Promotion Agency (depa) has signed agreements with six regional Internet of Things (IoT) companies from Singapore as a symbolic partnership. It will see the six companies provide know-how and technology to Thai government, as well as boosting the agency’s Digital Park Thailand and IoT Institute Initiative.

The six companies involved are Willowmore, UnaBiz, Gobi Partners, Ascent Solutions, Unity, and Spotwerkz, as reported by FutureIoT.

The MoU covers opportunities like the opening of a training center within the Thailand EEC digital park, looking to explore the development of IoT solutions for Thailand’s small medium enterprises and large companies.

The agreement is also a nod to Thailand 4.0 policy, the government’s 20-year strategy to make Thailand a more tech-centric and value-based economy.

“These partnerships will strengthen and enhance Thailand’s resources and help us gain a competitive position in the IoT industry within the ASEAN market,” said Dr. Passakon Prathombutr, Senior Executive Vice President of depa.

Also Read: Asia Pacific: the beacon of growth and opportunity for entrepreneurs

Signed in Singapore, the companies involved are expected to provide technologies based on their expertises.

Gaming platform Unity provides professional 3D automotive design, industrial, and architectural services as well as film and animation services. depa will utilise Unity’s capability to support the digital transformation efforts for SMEs and manufacturing as well as Thailand’s creative industries in film and animation.

Spotwerkz, as a big data analytics company, will play a role as the licensee of Unity in Thailand.

With UnaBiz, that claimed to be Asia’s first IoT dedicated network operator in Singapore and Taiwan, depa will develop digital capabilities in the area of industrial automation, agriculture, tourism, education, and healthcare, as told by Henri Bong, CEO and founder of UnaBiz.

As the provider of enterprise-grade smart padlock, smart cabinet locks, and portable Sigfox-Bluetooth gateway SigWAV, Willowmore will work with depa in developing access control, security systems technology, and IoT gateways.

Also Read: Startup Weekend Jakarta 2019 will help young entrepreneurs and businesses succeed in Indonesia

Gobi Partners, on the other hand, will be providing depa and the Thai government with expertise on funding startups.

Ascent Solutions, the company that provides services in various industries such as warehouses, logistics, freight forwarding, intelligent transportation, and e-passport tools will help Thai government to develop technologies and provide its solutions to the Digital Park Thailand and IoT Institute in the Eastern Economic Corridor (EEC).
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The funding was secured in the company’s Q4 last year, just after the launch of Venturra Discovery itself in September 2018

Medigo, Indonesia-based healthtech company that connects healthcare facilities with patients, doctors, insurance agents, and government under one platform, announced that it has raised seed funding from Venturra Discovery, the new seed investment arm of Venturra Capital.

Claimed to be different than other healthtech startups, Medigo was founded in May 2018, focusses on connecting healthcare facilities with the mission to “build a better, more connected Indonesian digital healthcare ecosystem”.

To do this, Medigo targets hospitals, clinics, and also Puskesmas (the local health centre) as users of their platform, seeking to connect them with their patients, doctors, and supporting partners such as insurance as well as the government.

“Medigo believes that the real problems in the Indonesian healthcare industry are not patient-side, but on the providers’ side. The healthcare industry is highly regulated, very bureaucratic, and complex. We aim to solve problems for providers first. Without solving those problems, it’s tough to provide quality service and experience to patients,” said Harya Bimo, CEO of Medigo.

In its official statement, Medigo highlighted that most of more than 2800 hospitals in Indonesia are not yet connected to their doctors and patients. Majority of more than 18.000 clinics all over Indonesia are not yet standardized and still being operated manually.

Also Read: Go-Jek becomes Indonesia’s first ‘decacorn’ company

Challenges in the Indonesian healthcare industry include interoperability in all levels of healthcare facilities from Puskesmas, clinics, to hospitals. There is also inefficiency in accessing medical records for both patients and healthcare providers, along with complicated referencing process between healthcare facilities, not to mention the manual process required for insurance claims.

One of Medigo’s products for healthcare providers in Indonesia is an out-patient management platform for hospitals to manage their polyclinics operations such as registrations, queue, patient slots, and doctors schedule through API connection.

For clinics, Medigo provides an integrated clinic management application called Medigo Qlinik, that is aimed towards clinics owner or management to digitize their operations.

As for patients, Medigo provides a soon-to-be-launched app to connect to doctors practicing in Medigo’s clinic and hospital partners. It lets patients register, book a consultation, check medical resume, dan pay for consultations and medicine.

Also Read: Six Singapore-based IoT companies sign deal with Thailand’s depa

Currently, the pilot phase of Medigo is running in local hospital Rumah Sakit Pertamina Pusat (RSPP), Rumah Sakit Pertamina Jaya (RSPJ), and over 100 clinics. This year, Medigo aims to partner with 10 hospitals, 500 clinics, to get to 3 million interactions between patients and doctors.
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Image Credit: Medigo

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Who really remembers every single thing that has affected their performance by the end of the year?

Let’s face it, annual performance reviews are unrealistic and aren’t effective when it comes to adapting on the fly and making changes with maximal flexibility.

Not only is the end-of-the-year scramble hectic and stressful, but no one can really remember their entire year’s performance track record — unless they have an eidetic memory or something.

As it seems, annual performance reviews may quickly fade into obscurity and become a thing of the past. Many companies are now swapping from annual to a more frequent performance review format.

The more frequent and “real-time” the performance review, the more readily a company is able to adapt. In essence, correcting and/or reversing a lagging aspect of performance that would have gone unnoticed in an annual review.

We live in a rapidly changing world, and for businesses to thrive on top of just staying afloat, they need to be able to review and redirect their course in an almost instantaneous manner.

Also Read: Fashion and music take centre stage at Jakarta’s TOP100 announcement

For real-time performance reviews to be implemented effectively, they need to almost be personalised and chock full of crowd-sourced feedback. As conducive to progress as real-time performance is, mainly smaller companies are making the shifts, while large corporations face a plethora of problems associated with changing their entire performance review system.

Small businesses should take advantage of this changing of an era and begin implementing a variety of tactics to ensure the most detailed and thorough real-time reports are available.

One very basic tactic is creating criteria with which “team leaders” will effectively review their team members. Then encourage weekly meetings with team leaders, breaking down annual performance reviews into weekly chunks.

Another tactic that has been implemented with great efficacy is the mobile app, Snapshot. With this app, employees can ask to be reviewed at any given moment based on five principles; leadership skills, relationships, business acumen, technical capability, global acumen. Instead of being given a standard rating, they are simply informed on if they are surpassing, failing, or meeting expectations.

Real-time performance reviews are still time-consuming, but not nearly as much as annual reviews have been. Instead of writing lengthy end-of-the-year evaluations, leaders are conducting five to ten-minute review meetings, which shortens annual reviews exponentially.

While they both have their efficacy, real-time performance is more effective at allowing on-the-fly adaptation, whereas annual reviews allow one to see the bigger picture or the overall scheme of things. With that being said, they both have their uses, and when implemented in cohesion, can greatly increase a company’s ability to assess and manage resources and performance.

Another time-saving option is the use of crowdsource reviews, which is where employees company-wide can write reviews and ratings on other employees, though the feedback is, at times, indirect and not as conducive to individual employee improvement.

Also Read: Innocent project management mistakes that could doom your business

One issue that has arisen, however, is deciding on bonuses and pay raises without the traditional annual review and rating system. With that being said, a rating isn’t necessarily the best way to decide on pay raises.

If trust can be placed in team leaders, and employees can be accurately reviewed on their market values, company contributions, and how refined their skill sets are, then this extensive input should be enough for a company to make decisions on raises and bonuses.

All-in-all, though it is a work in progress, real-time performance reviews are in the immediate future, and change isn’t painful, only resistance to change is.

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e27 publishes relevant guest contributions from the community. Share your honest opinions and expert knowledge by submitting your content here.

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In addition to the two Judge’s Choice winners, the e27 TOP100 competition also named eight other qualifying startups

The Jakarta round of the TOP100 competition closed on Thursday, April 4, with Mussy.co and Yuna & Co being crowned as winners of the Judge’s Choice award.

The two startups are set to get:

• A free exhibition booth space in the TOP100 Zone at Echelon
• A pitching slot on the TOP100 stage on day one of Echelon
• Intimate investor meetings and inclusion to Corporate business matching
• Five starter tickets to Echelon Asia Summit
• Access to the TOP100 Tour in Singapore

Mussy.co is musicians marketplace platform that aims to help customers find and book quality musicians for events, while empowering local musicians at the same time.

Started out in 2017, the platform initially targeted lower class cafes but expanded to middle class markets with lower volume but higher transaction value a year later. Most of its users are in the B2B segment, thought it has also begun to enter the B2C segment.

The service is run through revenue-sharing scheme with 30 per cent of fee going to Mussy.co.

By 2022, the platform aims to develop into becoming its own indie artists management. Before that, it also wants to provide a streaming and online advertising platform for the musicians.

Also Read: Our TOP100 Taiwan champion says let’s bring chatbots to real estate!

The startup’s milestones include clocking in IDR900 million (US$63,500) transaction value and having 2,500 musicians on the platform. It has also won accolades such as the second winner of Indonesia Startup Insight in Singapore on November 2018 and the top nine list of Startup Turkey Competition in 2018.

It is currently looking for a US$300,000 funding round to reach 238,000 transactions in 2023.

Yuna & Co is a fashion platform that aims to make it easier for customers to find and wear clothing that suits their personal style best, by offering a digital personal stylist service.

The platform works by users entering their style profile on the Yuna & Co platform. Users then choose among the available boxes, with prices ranging from IDR599,000 (US$42) to IDR999,000 (US$70). Once the box is delivered to the user, they get to try the contents on and give feedback to the platform.

By 2020, Yuna & Co aims to have their fashion recommendation service to be run by 80 per cent machine.

The company is currently raising a US$500,000 funding round to build inventory and scale its market reach until December 2019.

Also Read: Yangon’s TOP100 champ sees itself spearheading the future of freelance

In the Indonesian e-commerce sector itself, fashion continues to be the biggest revenue driver with the category taking over more than 25 per cent of total e-commerce revenue. In 2018, total e-commerce revenue in the country has reached US$12 billion, and it is expected to reach US$53 billion by 2025.

In addition to the two startups, the TOP100 competition also named eight other qualifying startups:

• AMREN
• Crewdible
• Giladiskon
• Indexa Law
• Pay OK
• PT Piniship Logistik Indonesia
• PT Spark Integrated Solutions
• temandokter

Congratulations for all the winners and stay tuned for more updates from TOP100 competitions!

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