PIM GLOBAL FORUM 2018 Cashless Society: Fintech Strategies for An Inclusive Future


On May 17 2018, located at the Auditorium, 16th Floor, CP ALL Academy Buildingg, Panyapiwat Institute of Management (PIM) in Bangkok, PIM Global forum was held. Theme of the forum was Cashless Society: Fintech Strategies for An Inclusive Future and with guest speakers were :

1. Mr. Tanyapong Thamavaranukupt – President Ascend Money

2. Ms. Pipavin Sodprasert – Country Manager (Thailand) Ant Financial Services

3. Mr. Dechpol Lamwilai – Senior Vice President, Bussines Development Siam Commercial Bank (SCB)

This forum was very insterested forum for sharing knowledge about cashless payment.

Before we further more, we need to know what is Cashless? According to the three speakers, cashless is another method in payment or we can say disruption in payment method. Many type of cashless payment right now, one of the well known is e-wallet.

Since Apple launched the first iphone, cashless payment became grew faster due to many company build apps that suitable for that.

Benefits of this method according to Mr Dechpol is it can reduce handling cost of the bank. He said that bank spends lots of money in handling money for ATM and by applying the method, it can reduces usage of ATM.

This method also has obstacles in implementing, according to Mr Tanyapong , especially knowledge of the society need to be improved and also infrastucture (especially internet network) need to reach so many people.

In implementing this method, support from Goverment is a must as Ms Pipavin said. Support from Goverment especially in making rules that ease of doing bussines in fintech technology also that can protect money of the people that put their money in fintech company.

Thailand is in right way in implementing cashless payment as one of the implementation of Thailand 4.0. It must be sustainable and have great colaboration among Goverment, Companies and people in implementing cashless payment and to reach the goal TO BECOME CASHLESS SOCIETY.



I. Background

The number of accidents occurring in Indonesia until 2015 was 105,182 cases with 2,375 cases of severe accidents resulting in death (BPJS data) and 81 cases of occupational accidents already included in the investigation domain and declared complete (P21). Cases of occupational accidents each year experience an upward trend of 5% -10%. The main cause of the occurrence of accidents is still low the importance of OSH implementation in the work environment where during this application of K3 is still considered as cost or cost expense, not as an investment to prevent the occurrence of work accidents (http://nasional.kontan.co.id> news > Sum-crash-work-in-indonesia-still-high). From an economic perspective, 4% of Gross Domestic Product (GDP) is used to finance accidents and occupational diseases (ILO, 2015). The percentage is equivalent to a cost of USD $ 2.8 billion which is used to replace lost work time, production disruptions, accidents and occupational diseases, as well as compensation to the families of the victims.

Government of Indonesia through:
1. Act No. 1 of 1970 on Occupational Safety.
2. Act No. 13 of 2003 on Employment Articles 86 and 87.
3. Government Regulation No. 50 of 2012 on Occupational Safety and Health

has stipulated the importance of Occupational Health and Safety in the work environment in order to create zero occupational accidents and diseases.

II. Application of HSE in PTPN X

PT Perkebunan Nusantara X has implemented HSE Management System in accordance with Government Regulation No. 50 Year 2012 in 7 (seven) Sugar Factories, namely:
1. Gempolkrep Sugar Factory – Mojokerto Regency
2. Modjopanggoong Sugar Factory – Tulungagung District
3. New Pesantren Sugar Factory – Kediri City
4. Ngadiredjo Sugar Factory – Kediri District
5. Meritjan Sugar Factory – Kediri City
6. Sugar Factory Lestari – Nganjuk Regency
7. Kremboong Sugar Factory – Sidoarjo Regency
Where in the application is found the results of SATISFACTORY IMPLEMENTATION (GENDERA GOLD) in 7 (seven) Sugar Factory. The results obtained above is the first step to achieve the main goal is to make the company cultured HSE so as to achieve zero occupational accidents and diseases.

III. Monitoring and Continuous Improvement
The implementation of HSE Management System which has been done  needs to be monitored and continuously improved so that the system can run consistently so as to achieve the target of zero occupational accidents and diseases so that the loss of the company due to accidents can be reduced or even not happened.

In this case, PTPN X already has a team of highly competent task force in the field of HSE to maintain consistency in the application of HSE in PTPN X effectively and efficiently.

IV. Continuous Monitoring and Upgrading Program
To ensure the efficiency and effectiveness of HSE implementation and to maintain HSE performance at the highest level, we propose that all existing procedures be maintained. Some of the procedures that have been to look at HSE performance have existed and are part of the HSE Management System that has been implemented and obtained the golden flag from the certification body.

In the face of this 2017 milling season to reduce the occurrence of occupational accidents in PTPN X environment that can result in losses of hundreds and even billions of dollars and in an effort to create work safety for employees, stakeholders, machinery, and environment for increased productivity, efficiency, and effectiveness, We have mentioned above that tools for assessing HSE performance are available in each SF, so we propose Continuous Monitoring and Upgrading Program to make the tools run effectively and efficiently, such as:

No Nama Program
A. Pemastian Efektifitas Penerapan Sistem Manajemen K3 di PG
1 Inspeksi
2 Audit Internal
3 Investigasi terhadap kecelakaan
4 Survailance Audit
B. Standar dan Peraturan Perundangan
1 Standar – standar Safe Condition
2 Updating peraturan dan perundangan
3 Pemastian Penerapan Peraturan dan Perundangan di Masing – masing PG
C. Penyebarluasan Informasi K3
1 Memasukkan informasi K3 di Website perusahaan
2 Memasukkan K3 di Majalah Perusahaan
D. Pemantauan Oleh Manajemen
  1 Manajemen Visit dari KP
  2 Manajemen Visit dari GM
E. Tanda pengenal 
  1 Pembuatan tanda pengenal (ID Card)