Maiden Labs

RISE conducted a small-scale qualitative research project in Greater Jakarta in May 2022 to explore emerging payment systems and financial inclusion (contrasting cash and digital dependency and the entanglement between the two, exploring the pros and cons). We selected 12 women entrepreneurs (between 20 and 50 years old) based on their regular mode of payment: heavy cash users conduct transactions mostly using cash, mixed cash and digital users frequently transition between cash and digital, and heavy digital users conduct transactions mostly using digital payments. The research respondents were owners of various microbusinesses: hairdresser, bakery, food box, merchandise production, fish farming, make-up artist, poultry, catering, clothing, and retail product distributor. They also promoted and sold their products in multiple super-apps and e-commerce platforms.

RISE conducted a small-scale qualitative research project in Greater Jakarta in May 2022 to explore emerging payment systems and financial inclusion (contrasting cash and digital dependency and the entanglement between the two, exploring the pros and cons). We selected 12 women entrepreneurs (between 20 and 50 years old) based on their regular mode of payment: heavy cash users conduct transactions mostly using cash, mixed cash and digital users frequently transition between cash and digital, and heavy digital users conduct transactions mostly using digital payments. The research respondents were owners of various microbusinesses: hairdresser, bakery, food box, merchandise production, fish farming, make-up artist, poultry, catering, clothing, and retail product distributor. They also promoted and sold their products in multiple super-apps and e-commerce platforms.