Investing in these fundamental capabilities often have long lags in impacting on economic growth, for example improving the quality of the education system takes a long time to feed into the performance of the economy. Structural transformation refers to the process of change in the pattern of what an economy produces, and in particular, what it exports.
However, we observe there are at least 3 (three) domestic challenges ahead. First, compared to countries in ASEAN, electronic payment transactions in Indonesia are relatively low. With the high number of population in Indonesia, there is a huge potential to expand payment system service access in Indonesia. 14.