Sagara Asia Blog

Author: Sagara Technology

  • Software House Services and Structures

    Software House Services and Structures

    Software house is a company that focuses on application development (software development). The application can be developed either by individual actors or by a group such as a legal entity company. Even to work in a software house company, of course, you must have special abilities in the IT (Information Technology) field.

    Currently, the business is growing in accordance with the increasingly rapid technological developments, especially now that many have linked it with software development that serves to simplify the business processes of various industries that are run. One of them is the Software House which is very important for business in today’s times.

    Software House Services

    Web-Based Applications Development
    The software house will provide application development services based on the website and its design. That way they must have excellent programming language skills in website creation.

    Mobile-Based Applications Development
    Smartphone users will find it easier to do various things from playing games, shopping online, and so on. One of these applications is made by a software house company.

    Desktop-Based Applications Development
    Desktop-based application creation is the most popular service for software house companies. Making this application usually uses a programming language that is popular in Indonesia. Some of them are VB.Net, Visual Basic, Java, and Delphi.

    Graphic Design
    Usually, the software house will also offer graphic design services. Because at this time there are many industrial companies that need these services such as logos. A logo is something that is very mandatory for an industrial company so that it can be known by many people or branding.

    Multimedia
    In addition to offering design services, the software house will also offer multimedia creation services, one of which is animation making. Multimedia is a very important aspect of an industrial company, one of which is for advertising needs.

    Software House Structure

    Programmer
    Programmers must be owned by every software house company because they are the ones who will make the software. They will build the program according to the instructions given by the System Analyst.

    Project Manager
    A Project Manager has full control over the projects being worked on by the software house. They have responsibility for projects carried out by programmers, System Analysts, Product Owners, to Testers.

    System Analyst
    The task of a System Analyst is to analyze the needs of the application that will be made by the programmer by providing the best solution by making the system more efficient and practical. The analyst will also analyze various lines, either from the development side or from the client-side.

    Product Owner
    Someone who bridges the programmer with the client is the Product Owner. That way, a product owner must have good communication skills, because they will communicate directly with clients as well as programmers who interact with each other to complete the best solution.

    Tester
    The software created by the programmer will be tested by a tester, who in the test will be tested based on the standard operating system of each Software House agency. Software testing is very mandatory, the main goal is to avoid unwanted things such as bugs, crashes, errors, and force closes.

    Trusted Software House Recommendation in Indonesia

    One of the trusted software houses in Jakarta is Sagara Technology. Sagara Technology is a technology and digital product consulting company based in Jakarta and Bandung, Indonesia. Manufactures and provides premium software development, training, and talent products. Sagara Technology has successfully assisted several technology startup companies, non-technology companies, management consulting companies, and even the BUMN and government sectors that are already familiar in Indonesia.

  • The Benefits of Equity Crowdfunding Platform for MSME

    Jakarta – On this occasion, the Sagara Technology Team had the opportunity to hold a talk show entitled Sagara X Leader with Heinrich Vincent, Founder and CEO and Founder Bizhare Equity Crowdfunding. The purpose of this talk show is to educate business people who want to start their investment business in the form of Micro, Small, and Medium Enterprises (MSME) to take advantage of the existing equity crowdfunding platform by knowing more about the benefits that can be obtained by using the existing equity crowdfunding platform in this digital era.

    Talk show Sagara Technology

    Equity Crowdfunding

    Crowdfunding itself is a funding technique for projects or business units that involve the community at large. The concept of crowdfunding was first coined in the United States in 2003 with the launch of a site called Artistshare. On the site, musicians try to find funds from their fans in order to produce a work. This initiated the emergence of other crowdfunding sites such as kickstarter which was involved in funding creative industries in 2009 and Gofundme which managed the funding of various events and businesses in 2010.

    In Indonesia, crowdfunding is still not very popular, but it has huge potential to become an investment fundraising instrument. Its use is relatively easy and it is internet-based so that it can be accessed by everyone.

    There are 3 main actors in crowdfunding practice including: First, it is the Issuer. The Issuer is an Indonesian legal entity in the form of a limited liability company that offers shares through the operator. Second, the Crowdfunding Service Provider, for example like Bizhare. Third, the Investor. It is the party that purchases the Issuer’s shares through the Operator.

    Bizhare

    Mr. Heinrich Vincent, Founder and CEO and Founder Bizhare Equity Crowdfunding

    According to Mr. Vincent, Bizhare is a business investment platform with an equity crowdfunding scheme that has received official permission from the OJK to help facilitate funding for SMEs to be able to expand by sharing share ownership in the form of PT, investors here can also become business owners or investors in various selected franchise businesses at bizhare.

    Later, Bizhare will help distribute dividends, financial reports, and operational reports every month. So when you invest, you can know business developments from the dashboard and can withdraw the dividends directly to a bank account, so Bizhare is a kind of stock exchange for SMEs and franchises and startups in Indonesia.

    Mr. Vincent added “At Bizhare we aim not only to create and develop a funding platform but also to create an investment ecosystem.”

    The Pandemic Effect on Bizhare

    As we know and experience for ourselves that last year was a bad year for most people in Indonesia and even the whole world. Where the COVID-19 pandemic has destroyed many small businesses, the big ones are no exception.

    At Bizhare, when Covid first entered Indonesia in April, there was a correction in open investment. Where usually the crowdfunding process can be done quickly and has to be disrupted, as well as portfolio turnover there is a correction. By making the right adjustments, there was an almost 5x increase from Bizhare’s own side for its open investment section, where Bizhare chose an industry that could develop well during the pandemic. For example, bizhare collaborates with a fashion business where the business makes APD.

    “During the pandemic, there were ups and downs. For example, the minimarkets they went up. For those who are declining, investors in Bizshare are helped in terms of operations and marketing, financial reporting activities are also assisted so that investors feel secure because they are also assisted to after investment”, said Mr.Vincent.

    Guide to Start Investing

    According to Mr.Vincent, for beginners, it is recommended to check the investment risk profile. Where from the results of the check, you will know the type of investment profile whether you dare to risk with big profits or prefer to play safe with smaller profits. For example, an industry that is still growing where the risk is very small to grow is a safe investment but with a low return.

    Mr. Vincent also add that the best way to invest is, “If we have 100 million, we better invest in up to 20 different businesses. The goal is for us to spread capital to various industries that are likely to increase and decrease in the future. But, it doesn’t matter because the risk has been distributed. The diversification strategy is important, so basically we have to know what the business is like and make sure the industry is good so that the risk is lower for losses.”

    Read also Sagara’s Article here.

  • Difference between Mobile Apps and Mobile Web

    Difference between Mobile Apps and Mobile Web

    To access information through mobile devices, of course, you often use a web browser or open an application to find the information you need. Indirectly you have used mobile apps or mobile web on your device. For that, let’s find out more fully what mobile apps / mobile applications and mobile web are.

    Understanding Mobile Web

    Mobile web is a browser-based HTML page that is accessed using portable devices (smartphones or tablets) via cellular networks such as 3G, 4G, or Wifi. Mobile Web is designed to display data such as text, images, and videos from a website into a smaller display, namely mobile devices.

    Understanding Mobile Apps

    While mobile apps are applications made for mobile devices where users have to download or download and install from application stores such as the Google Play Store for Android devices and the Apple App Store for iOS devices and many more application stores that are suitable for smartphone platforms.

    So, What’s the Difference?

    Broadly speaking, the difference between the two lies in how to access information or data. The mobile web requires a browser application to access information from a predefined domain. The mobile web is also very dependent on your internet channel. Obviously, the mobile web will not be able to be used if there is no internet connection. While mobile apps can be both. The content available on mobile apps can be accessed without the internet or based offline. But there are also mobile apps that must be connected to the internet or online.

    It all depends on the target user. There are some businesses that only rely on websites and mobile web in marketing their products. But there are also business owners who need both to attract their target market.

  • SAGARA FINTECH ROUNDTABLE: Indonesia Goes All About Digitalization: The Role of P2P Lending on the Progress of Economic Growth in Indonesia

    SAGARA FINTECH ROUNDTABLE: Indonesia Goes All About Digitalization: The Role of P2P Lending on the Progress of Economic Growth in Indonesia

    Sagara Fintech Roundtable Day 2 – Friday, July 2nd, 2021- Sagara Technology held a Talk Show on Fintech by inviting C-levels who are experts in the fields of technology development from various existing fintech companies. In this opportunity, Sagara introduces FinX the Complete Fintech Solution. The main discussion of the talk show is talking about P2P (Peer to Peer) Lending’s role in the economic growth in Indonesia. Starting about what is P2P and how it works, the condition of the companies when the pandemic hits, as well as the contribution of the Fintech companies in building the economy in the Future. The following are reviews from the speakers of Sagara Fintech Roundtable

    Kokko Cattaka, COO FinPlus

    Peer to peer is a platform that brings together lenders and borrowers, those who have funds, and those who needed funds while the Fintech company regulates. In Indonesia, especially in the fields of P2P Lending where OJK has recorded the accumulation of fintech lending which has grown very rapidly and is more than 100% based on a report in October 2020. In the May report 2021, it was recorded that there were 127 companies engaged in P2P lending.

    According to Mr.Kokko, Last year the demand for loans was very high because a lot of people lost their jobs so, they needed funds for capital, to maintain business, or just pay for employees and also make a living. Last year was not a good year for Fin+ because there was a moratorium on granting new credit from March to August so there were many borrowers who can not be given loans. Fin+ feels responsible to investors who put money to manage, and participate in educating the public so that when borrowing they can be responsible, not only borrowing but also being able to return, for customers who have history or repeat orders are still being given loans because they are believed to be able to return the funds, this has to be done too for Fin+ business continuity.

    In Fintech, data is very important to find out whether the borrower is credible because the company cannot see and come directly to see the borrower in person. Times are advancing, as well as the situation where a couple of years back to ask a loan from the bank one day is considered fast, but now for the process of just 1 hour, it is considered too long. To predict or verify whether the borrower is credible, Fin+ has AI as well as machine learning they, also cooperate with Dukcapil and data providers as well as credit score institutions.

    According to Mr. Kokko, with the existence of fintech, it is hoped that it can help channel credit to places or areas where conventional financial institutions cannot. With the technology owned by fintech companies and the Fin+ platform, it is hoped that it can help banks to create synergies to be able to channel loans so that create a thriving economy in Indonesia.

    Safdar Husain,CTO Julo

    “P2P is one of the digitization of a financial service, P2P is very dependent on technology because, In essence, P2P is a service that brings together borrowers and lenders directly without intermediaries, with digital technologies (alternative methods for loans)”, said Mr.Safdar.

    Data is a very important component for Fintech companies. They use AI also Machine learning where machine learning is a technique of doing things on a computer where machines learn like humans (AI) by giving abstract data to the machine so that later it processes the data to produce predictions and models, from that model learning. The more data that is obtained, the more intelligent the machine AI to make predictions, with this Technology Julo growing very rapidly so that it can process loans properly regardless of the existing circumstances.

    Mr.Safdar hopes that with Julo they not only providing loan money but loans that are not arbitrary and healthy (measured) also with the AI help it is hoped that it can reach people who really need it.

    Vitriani, COO Crowdo

    Fintech and conventional banks work together to advance Indonesia’s economic growth. There are still many people who think that Fintech and conventional banks compete but the reality is not. Large sources of funds come from large conventional banks. With the existence of Fintech, it is expected to go hand in hand with conventional banks to give a better life in Indonesia.

    According to Mrs.Vitriani, the presence of fintech is an effort from technology to answer community needs in funding (tools). This is closely related to the ongoing pandemic situation where many people are starting businesses due to being laid off from work and also many businesses are falling so they need funds to change business types.

    For Crowdo at the beginning of the pandemic, like other businesses, it was also a bit difficult because they prioritized the health of employees and partners. Last year’s financial condition in the 3rd quarter was quite good and healthy until the beginning of this year until 2021, the target was far from being achieved in previous years. Over time, Indonesian and worldwide businessmen have begun to adapt and be able to set strategies and be more prepared.

    “To give a domino effect, we lend money to productive business people where later they can hire employees, pay employees and with their salary they can spend their money. For the macro, it will run where there will be economic growth in the market. It is hoped that with the existence of crowdo, it will not only provide financing solutions for MSMEs but also can simplify MSME business processes in Indonesia with the crowdo platform.” said, Mrs.Vitriani.

  • Targeting Asian Market, IDCLoudHost Launches New Product

    Targeting Asian Market, IDCLoudHost Launches New Product

    The leading and cheapest cloud infrastructure service provider in Asia, IDCloudHost continues to increase its commitment to help increase the growth of the digital ecosystem in Indonesia and Asia. This is evidenced by presenting two new products, namely the Cloud VPS (Virtual Private Server) Server and Object Storage which are expected to also help developers, start-ups, and MSME business actors.

    Launch of two new products

    The launch of these two products is part of a strategy in expanding the range of services for local customers to the Asian market. Armed with the support of the latest technology and the best human resources, two products are offered at affordable prices for the ASEAN market.

    Alfian Pamungkas Sakawiguna, as the founder and CEO of IDCloudHost, said that the provision of “Affordable prices for the two newest IDCloudHost products because he believes technology must be able to drive business more efficiently while ensuring the quality of our services is at the best level. We hope that the launch of these two products will further strengthen IDCloudHost’s position as the leading and cheapest Cloud Infrastructure service provider in Indonesia and Asia.”

    “In accordance with our commitment since its inception, IDCloudHost will continue to focus on strengthening technology and human resources to support the execution of all business plans and strategies that have been set. With the support, both from investment, expertise, and experience, Init 6 will also strengthen IDCloudHost to create innovations in services and products according to market needs. We hope that IDCloudHost will be the first choice for business people who want to develop their business services to digital,” he added.

    Alfian also added, “For the past five years, we are very happy that thousands of IDCloudHost customers have been able to develop their business well through digital platforms. Their market is growing along with the spread of the internet and people’s better understanding of this digital ecosystem. Supported by the strength of technology infrastructure and affordable prices, we are optimistic that by the end of the year IDCloudHost’s customers can reach 250 to 300 thousand customers from various industry segments throughout Asia”.

    “As part of the nation’s children, of course, we also have the same commitment as the government and other business actors, namely supporting the growth of the national and global digital ecosystem. In my opinion, digitalization is one way for us to recover and strengthen the Indonesian economy due to the COVID-19 pandemic. We hope that in the future IDCloudHost can provide the best services and products to all customers and can be a solution for the progress and business growth of millions of MSME players in Indonesia and Asia,” he added.

    The launch of the two newest products, Server Cloud VPS (Virtual Private Server) and Object Storage received a warm welcome from the Minister of Cooperatives and Small and Medium Enterprises Teten Masduki. This is a form of support that is also in line with the government’s target of increasing digital services for 30 million MSMEs in 2024.

    About IDCloudHost

    IDCloudHost (PT Cloud Hosting Indonesia) is a cloud infrastructure service provider that facilitates users’ digitization needs. Currently, IDCloudHost has several Data Centers spread across several locations in Indonesia and around the world with the support of the latest technology and features for website and application needs. IDCloudHost has been trusted by more than 100,000 users from various circles such as developers, startups, SMEs, government, media, and others.

  • How exactly to set on an iPod Touch, iPad or iPhone

     

    A Review of No Deposit Casino Bonus

    A no deposit casino bonus is an exciting promotion where you get bonus money only for making an initial account with the internet casino. As suggested by the name, you do not need to actually create one deposit to acquire the bonus cash. Thus, a no deposit casino bonus could be a good way to test out an internet casino.The idea behind no deposit casino bonuses is that you’re trying to locate a casino with no deposit casino bonus offers, which means that you may play for free. This guide will tell you how to locate these promotions.

    The first place to look is to the site of any online casino. You should be able to locate a list of all the currently available bonuses. But, you will not be able to see any offers which aren’t yet active. The best way to locate bonus offers is to sign up for online casinos.

    Zendesk test – Just How To Spy movie text-message gps tracking

    Once you’ve signed up, then return to the site and take a look at the bonuses they’re offering.

    The next thing you need to think about is online casinos which offer free spins casino bonuses. Free spins means you get a certain amount of free spins on your casino accounts each time you sign up. For every twenty spins you use, you receive one free spin. This will make playing slots with a free spins casino bonuses very enticing.

    Another great way to find no deposit bonus offers is considering the”cusp” page of this casino site. Most online casinos have a cusp webpage in which you sign up for more info concerning the bonuses offered by the casino. Here, they generally offer bonus details such as the deposit amounts, the amount of free spins, along with the slot reel that come with those bonuses. Look for all these details when you’re looking for a no deposit casino bonus.

     

    The final thing to check out when looking for a no deposit casino bonus would be to see if there’s a welcome bonus provided to new players. A welcome bonus is given when a participant deposit fresh money into their new account, so it makes great sense for casinos to give a welcome bonus whenever they start a new account.

    How-To Hack Into Cell Phone?

    It’s a means for them to thank new gamers to playing with their slots and for spending their cash on their slots games. Players who have only recently played slots onto a website do not necessarily have the best odds of winning the bonuses they get, however they have the very best possibility of getting a fantastic welcome bonus.

     

    If you would like to take your game to the next level, then you need to look at getting a no deposit credit card. No deposit credit cards are special plastic cards given to individuals with deposits for their accounts. These cards are given as a sort of reward for depositing money into the user’s account. As a result, they take less risk for your casino, because no deposit casinos never pay out anything to consumers who have not been effective in their casino games. However, they carry a much higher rate of interest than the standard charge cards and they can’t be used to withdraw cash from ATM machines.

     

    Since no deposit casino bonuses are a distinctive sort of bonus, there are lots of online casinos that feature them. You can use the bonus money to buy slots games and other types of games, since you’ll be able to get a refund at any time.

    Greatest Parental Control Software Reviews

    Some no deposit bonus offers are referred to as no deposit VIP bonuses. These VIP bonus offers aren’t exactly”free” since you won’t really win any cash from these types of offers. They’re known as VIP bonuses due to their standing as VIP associates in the online casino. Together with VIP status, you’ll have access to greater bonuses, more VIP perks and even higher amounts of cash!

     

    As you can not use a credit card to create any of the deposits mentioned above, this means you need to have a compatible payment system so as to complete the transactions. For most online casinos, this usually means you can either use a online banking system such as PayPal or you could use a service like Neteller. With either method, you’ll be given with a buffalo diamond slot max bet merchant account. This account generally lets you make deposits into your account without needing to use a credit card.

    Read also more Sagara’s article here. 

  • SAGARA FINTECH ROUNDTABLE: Get Ready for the Future! How Fintech Develops as The Future Economy in Indonesia.

    SAGARA FINTECH ROUNDTABLE: Get Ready for the Future! How Fintech Develops as The Future Economy in Indonesia.

    Sagara Technology Wednesday, June 23, 2021-Sagara held a webinar on Fintech by inviting C-levels from various Fintech companies in Indonesia. The discussion is talking a lot about the current condition of Fintech in Indonesia. Starting from Fintech regulations by the government, public knowledge about Fintech, as well as the contribution of Fintech companies in building the Indonesian economy in the future. The following are reviews from the speakers of the Sagara Fintech Roundtable.

    Andri Madian- CMO Akseleran

    As we know, lately, Fintech in Indonesia is growing very rapidly. Started from regulators such as the OJK, which has issued regulations. So, slowly the Indonesian people have begun to be educated and aware of the existence of Fintech.

    On the other hand, even though being in a pandemic, the Fintech industry is still growing. This can be seen in OJK which reports that from 2018 to 2019 P2P grew by 200% although in 2020 it fell to 90%. Although it has decreased, it is very reasonable. Because this proves that many people are aware and careful about making online loans and learning about the risks.

    Beyond that, because during this pandemic, physical contact must be limited, thus requiring transactions to be carried out online as well. Which is one example that Fintech will continue to develop during a pandemic and help the economy to keep going.

    As a start-up, Akseleran wants to go global. However, to achieve that several stages must be passed first. According to Mr. Andri, for now, it is better to develop Fintech in Indonesia as well as possible because the market in Indonesia is still very large.

    Hendry Tanuarto-CIO Vospay

    Currently, many millennials have misunderstood the definition of Fintech. Apart from many who already know the definition of Fintech, there are still many who think that Fintech is just a place to borrow money online. If you study, there are many branches of Fintech such as p2p, crowdfunding, investment, market aggregator, payment settlement).

    In terms of market aggregators, this pandemic has had an impact. Now Fintech is developing very fast. If usually Fintech products are made because of the GAP that can be filled to make it more efficient with technology. Now it can be seen that there is an opportunity that there is more and more Fintech.

    To go global, Vospay is still focused on Indonesia, we should feel lucky born in Indonesia because we have a very large market, maybe many foreign people who have a target of doing business in Asia must go to Indonesia because we can attract other companies from outside. I still hope that companies in Indonesia can go global.

    Edwin Kusuma-COO & Co-Founder Finantier

    In the era of a pandemic, collaboration is a brilliant idea. This Fintech collaboration can get new borrowers. With the increase in the number of borrowers, of course, there will be many borrowers who are eliminated based on their eligibility. Because it is hindered by physical contact, all Fintech takes advantage of the existence of technology that can be very helpful.

    The existence of Fintech services is very helpful and encourages economic growth in Indonesia. Currently, Finantier is focusing on being able to provide equitable digital financial facilities for all ecosystems. Starting from payments, helping to simplify the banking process, also helping to provide capital loans for MSMEs.

    There are still many people who have not been financially facilitated. Indonesia is very open to the market, the best Fintech in Southeast Asia is Indonesia because now Indonesian people are aware of their finances. Therefore, Finantier wants to focus on the Indonesian, market, especially in the regions.

    Jackson Lee-CTO PT. Mareco Prima Mandiri (Dipay)

    Fintech is an innovation or combination of finance and technology by maximizing technology to accelerate various aspects in the financial sector. The development of Fintech during this pandemic is very rapid, considering that even before the pandemic, Fintech was very developed.

    Dipay itself is developing as a Fintech player in Indonesia which can be seen from Dipay’s mission to provide services to people who are difficult to access information, such as remote areas that are difficult to reach, with this Fintech technology, Dipay can reach them all.

    The role of Fintech in the community’s economy can be greatly assisted because Fintech does not only provide services but also education. With education, people will be more aware of Fintech.

    Other than that, Fintech can also affect the banking market in Indonesia. An example is the P2P Lending industry, if previously people who wanted to apply for loans would be faced with a difficult process, it is different with Dipay, which can all be arranged online without having to come to the place.

    In addition, the biggest challenge to enter the Fintech market in Indonesia is because people in Indonesia still need education about finance and getting support from regulators like BI and OJK that people can also have more confidence and the role of regulators who take part in building public trust can be a solution or strategy that Fintech players can do in building public trust in Fintech.

    Heinrich Vincent-CEO & Founder Bizhare

    Fintech is a financial services industry with various types such as payment, crowdfunding, lending, and others that have differences such as assistance from technology with a wider reach so as to speed up the process and assist various parties in using Fintech services in the future.

    In the era of a pandemic, according to Mr. Vincent, the development of Fintech in Indonesia has been fine because it has now entered the digitalization era so that the pace of development for the Fintech industry is growing rapidly. “We should be grateful together for the development of the digitalization world, especially in the financial sector, so that we can help the community during this pandemic,” said Heinrich Vincent.

    Bizshare has developed into a Fintech Player in Indonesia as we know that Fintech has various types such as P2P lending, Equity Crowdfunding, Market Aggregator, etc. With Bizhare which is engaged in Equity Crowdfunding, they can provide an alternative to MSMEs to get funding not only from the loan side but from the equity side, and with this final, a very positive view emerges from the community or MSME users.

    In addition, this is very much supported by the government because they as organizers support the community and MSME players to expand their business to Big Brands in Indonesia, which was previously quite difficult to do.

    As a Fintech engaged in Crowdfunding, Bizshare has a mission to help the Indonesian economy through funding for MSMEs. Where 60% of GDP is targeted to come from MSMEs, here Bizshare as a company in the Fintech industry, wants to encourage the Indonesian economy by advancing funding for the Indonesian MSME sector.

  • Mobile Apps for your Workplace and Elsewhere

    Mobile Apps for your Workplace and Elsewhere

    Why is it that you have apps for all private tasks on your mobile today, but have so few to use at work? How do you start the mobile journey in your organization to make work more accessible and easy? To have more freedom to work remotely and the ability to work on the go, we depend on our mobile devices more than ever. ServiceNow’s new mobile apps are here to give you just that freedom to work from anywhere. Leveraging modern design and user experience, these apps make it possible and easy to work from anywhere.

    Let’s head it off with some facts

    A 2018 survey of 500 senior IT and business leaders conducted by Oxford Economics showed that 80% of the respondents believe their employees can’t do their jobs effectively without a smartphone. In fact, 75% said that mobile devices are essential to their company’s business workflows. The successful modern enterprise workforce is a mobile workforce.

    How to get started?

    Today, most people own a smartphone and have the ability to do most of their tasks in their private life on their mobile. Why is it that we don’t have the same option for work? “Generation Z” is growing up with smartphones and expectations to be able to work remotely and on the go. Isn’t it about time to take the journey for all parts of your organization, to “remove the friction from work”? The Now Platform gives you access to several apps, but the main two ones are “NOW Mobile” for requesters and “Service Now Agent” for fulfillers.

    NOW Mobile

    With Now Mobile, you can find answers and get stuff done across IT, HR, Facilities, Finance, and Legal, amongst other departments. All from a mobile app powered by the NOW Platform. The app makes it possible to work from anywhere and gives you easy access to help and support, order items, and search for knowledge. It is also making use of the accessibility of the mobile with QR Scanners, video, and camera options. Why use your phone to take a picture and transfer it to the computer in order to get help when you can have access right away? The NOW Mobile is powered by the Now Platform, which makes it available for any package, like IT Service Management or HR Service Delivery.

    Service Now Agent

    Mobile consumer apps enable you to connect with friends, hail a ride, or order takeout food with just a few taps or swipes. Now you can do the same for work, just as easy.

    With the Agent app, you can work from anywhere with the same tools and data you have on your computer. This makes small and quick tasks even easier and increases productivity letting you work on the go, even without an Internet connection. You have access to the Agent app from all products that are a part of the Now Platform, even custom applications created for the mobile. Utilize all the mobile advantages like camera, GPS, and touch screen to make it quick and easy to get work done. You will also have the ability to do Analytics to track and drive mobile app adaptation into user behavior.

    You can also brand the mobile apps tailored to your organization, with your own icons, splash screen, and branding colors.

    See more

  • 5 Mistakes that Novice Investors Make

    5 Mistakes that Novice Investors Make

    Sagara Technology – Investing is a trend these days. There are several types of investing methods such as investing in stocks, gold, to cryptocurrency. Now, investing has become very practical because there are already many platforms that can be used for investing. Therefore, there are many novice investors who try to invest in the hope of making a profit. In this article, we will discuss 5 mistakes beginner investors when investing that cause loss.

    1. Invest with “hot money”

    Invest in margin/debt with the aim of making a profit. Beginner investors sometimes use the money they get from debt for investment. This error can cause profuse losses. Beginner investors sometimes still don’t understand that investing has a big risk too, due to in-depth analysis.

    2. FOMO when buying an investment

    Beginner investors sometimes panic when investment prices fall and sell their investments. then when the price suddenly jumps up, novice investors will try to buy the investment bank. Therefore, novice investors will buy investments when prices are high and it turns out that they experience a decrease which causes losses.

    3. Buy an investment because it’s booming

    novice investors sometimes buy an investment because it is booming. Lots of novice investors are fed up with information that is not necessarily accurate because of the news or because of stories from friends about investing. Beginner investors are sometimes tempted by the news and invest without doing good analysis, causing losses.

    4. Invest without a clear analysis

    When investing, it is important to analyze and risk investing for the long term. Because it is not uncommon for novice investors to only analyze price inflation diagrams and do not do in-depth analysis. An analysis is very important for investing so as not to cause a lot of losses.

    5. Make aggressive decisions

    Beginner investors will think that the large return value is due to the large level of aggressive investing. This mindset is not wrong but for novice investors, it will be prone to causing big losses. Standardization in investing must be balanced with sufficient knowledge so as not to experience significant losses.

    Those are 5 mistakes that novice investors make when they want to start investing. A good investment is an investment that is based on sufficient knowledge and is mature in all the risks that will be faced.

  • Digital Platform Online Investment Recommendations

    Digital Platform Online Investment Recommendations

    The topic of investment is also becoming increasingly popular and there is nothing wrong if we try to look at some of the best 2021 online investment recommendations to make it more attractive. ready to face an uncertain future.  

    Online Investment Recommendation 2021

    In 2021, there is a significant growth of interest in the financial sector. According to the Google Year in Search report, there are more searches reaching 140 percent for searches related to opening an online account, 70 percent for searches for online savings, and 20 percent for the topic of how to register for mobile banking. In addition, the topic of seeking safe and secure investment options has also increased.        

    Gold Investment

    Gold investment is perfect for people who just want to try investing. The reason is, gold has a price that tends to be stable and strong enough, especially to withstand inflationary fluctuations.

    Gold investment can be done through e-commerce platforms that provide this service, such as Tokopedia, Bukalapak, and Shopee. In addition, gold investments can also be made through applications such as Pluang, e-mas, Tamasia, and Treasury. In general, in addition to accommodating gold purchase transactions, they also have a real-time monitoring feature for gold prices.     

    Mutual Fund Investment

    Another safe and secure online investment to try is mutual funds. This investment instrument is also suitable for people who are just trying to invest.

    Mutual fund investment in 2021 can also be said to be very promising. Besides being easily accessible through applications such as Bareksa, Bibit, Tokopedia, and Bukalapak, the capital required is also very affordable.

    Stock Investment

    This investment instrument is actually more suitable for those who are experienced because the risk is quite high. However, the benefits offered are also quite tempting if done correctly. So, for those who want to invest in stocks, you should study them well first and make sure they have basic knowledge about the capital market. 

    In the digital era, such as opening a customer fund account (RDN) that will be used to invest in stocks, it is also easy and affordable. Some online services that can be used to invest in stocks are Stockbit, Magic, and iPot. 

    Business Financing Investment

    There is also an investment option to finance a business through a peer-to-peer lending system. Similar to stocks, this investment is also more suitable for experienced investors because investors need to have basic knowledge in calculating business risk. 

    In Indonesia, this business financing service can also be accessed easily and the initial capital required is quite affordable. Some of the service providers include KoinWorks, Modalku, Investree, and Amartha.

    See more