{
  "docId": "019dd923-5de0-76bd-a169-f7f735886acd",
  "docSlug": "ec750abbd17d37a5",
  "documentTitle": "Unlocking the next  wave of digital growth: beyond metropolitan Indonesia",
  "authorId": "Kearney",
  "authorName": "Kearney",
  "documentKindSlug": "consulting-deck",
  "documentKindLabel": "Consulting deck",
  "sourceTypeSlug": "strategy_consulting",
  "sourceTypeLabel": "Strategy consulting",
  "presentationDate": null,
  "orientation": "landscape",
  "aspectRatio": 1.778,
  "pageNumber": 67,
  "pageCount": 84,
  "prevPage": 66,
  "nextPage": 68,
  "slideType": "industry_trends",
  "function": "quantify_impact",
  "density": "overcrowded",
  "nDataPoints": 6,
  "notes": "The slide uses a mix of bar charts and bubble charts to illustrate growth trends.",
  "elementsJson": [
    "bar_chart_vertical",
    "bar_chart_vertical",
    "bubble_chart",
    "paragraph",
    "callout_box"
  ],
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019dd923-5de0-76bd-a169-f7f735886acd/67",
  "deckHref": "/decks/019dd923-5de0-76bd-a169-f7f735886acd",
  "deckJsonHref": "/decks/019dd923-5de0-76bd-a169-f7f735886acd.json",
  "deckAnchorHref": "/decks/019dd923-5de0-76bd-a169-f7f735886acd#slide-67",
  "components": [
    {
      "bbox": null,
      "kind": "callout",
      "text": "The proportion of new users activated from non-tier 1 cities had grown about 4x from 9% in 2018 to about 35% in 2020.",
      "attrs": null,
      "subkind": null,
      "toolName": "Visual emphasis",
      "toolSlug": "visual-emphasis",
      "confidence": null,
      "componentId": "019dd952-0a6b-775b-a1d6-bce71083a16e",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.2,
        "x": 0.28,
        "y": 0.15
      },
      "kind": "chart",
      "text": "Loan disbursed (% to total GMV)",
      "attrs": null,
      "subkind": "bar-vertical",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "089e705d-8005-43ff-9a35-b6eff1249d0e",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.2,
        "x": 0.28,
        "y": 0.35
      },
      "kind": "chart",
      "text": "New users activated (% to total new users)",
      "attrs": null,
      "subkind": "bar-vertical",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "60da7afb-8f93-4fee-8357-88ec1995bdd0",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.2,
        "x": 0.28,
        "y": 0.65
      },
      "kind": "chart",
      "text": "Non-tier-1 transaction frequency (Tier 1 cities = 1.0)",
      "attrs": null,
      "subkind": "bubble",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "36f0fc8c-92a8-4488-9e46-e55ccbcd9e02",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.08,
        "x": 0.88,
        "y": 0.05
      },
      "kind": "image",
      "text": "Kredivo",
      "attrs": null,
      "subkind": "logo",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "2b812b88-515f-4b49-bee9-ab76412bdd13",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": null,
      "kind": "metric",
      "text": "Non-tier 1 market penetration: 35%",
      "attrs": null,
      "subkind": "primary",
      "toolName": "Quantification",
      "toolSlug": "quantification",
      "confidence": null,
      "componentId": "019dd952-0a6b-775b-a1d6-c0256b537cee",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.1,
        "w": 0.2,
        "x": 0.52,
        "y": 0.65
      },
      "kind": "paragraph",
      "text": "Non-tier 1 users are already transacting 1.13x more frequently than users from tier 1 cities.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "79b35008-b633-4615-8982-c94fad28ff1c",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.1,
        "w": 0.2,
        "x": 0.52,
        "y": 0.35
      },
      "kind": "paragraph",
      "text": "The proportion of new users activated from non-tier 1 cities had grown about 4x from 9% in 2018 to about 35% in 2020.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "7c8b8498-e431-4ed4-92b9-1cd11211efd8",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.1,
        "w": 0.2,
        "x": 0.52,
        "y": 0.15
      },
      "kind": "paragraph",
      "text": "The proportion of loans disbursed to non-Tier 1 cities doubled from about 10% in 2018 to about 21% in 2020.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "a7afa023-07b6-445c-bd6f-c8409b4fc838",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.2,
        "x": 0.78,
        "y": 0.15
      },
      "kind": "paragraph",
      "text": "Founded in 2016, Kredivo is a major digital credit company in Indonesia and has served about 3 million users and partnered with about 1,000 companies.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "f3fa1579-f8cb-4563-b1a0-867249759b01",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.2,
        "x": 0.28,
        "y": 0.9
      },
      "kind": "source-note",
      "text": "Note: GMV is gross merchandise value; P2P is peer-to-peer. Source: FinAccel; Kearney analysis",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "c79d0f66-09cf-4c14-ac06-81fd2a1f8f71",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.25,
        "w": 0.22,
        "x": 0.03,
        "y": 0.05
      },
      "kind": "title",
      "text": "In lending, Kredivo sees non-tier 1 cities as up and coming markets that are driving growth across key metrics.",
      "attrs": null,
      "subkind": "action-title",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "0673654c-d96b-4352-a343-056908a818e7",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.5,
        "x": 0.28,
        "y": 0.05
      },
      "kind": "title",
      "text": "Significant growth of non-tier 1 cities across key metrics in 2020",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "c37df77d-634d-4bcf-9bc4-06265c9b5865",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "Chart Selection Guide",
      "slug": "chart-selection-guide",
      "agent": "Designer",
      "layer": "slide",
      "matchId": "2e8f4360-25d5-48eb-a1e4-0bc95e61f391",
      "evidence": "chart/bubble: Non-tier-1 transaction frequency (Tier 1 cities = 1.0)",
      "confidence": 0.7
    }
  ],
  "frameworks": [],
  "arcBeats": [],
  "loops": [],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}