{"id":3375,"date":"2025-01-06T11:22:35","date_gmt":"2025-01-06T04:22:35","guid":{"rendered":"https:\/\/bbs.binus.ac.id\/ibm\/?p=3375"},"modified":"2025-01-06T15:45:15","modified_gmt":"2025-01-06T08:45:15","slug":"driving-growth-in-the-digital-era-indonesias-digital-economy","status":"publish","type":"post","link":"https:\/\/bbs.binus.ac.id\/ibm\/2025\/01\/driving-growth-in-the-digital-era-indonesias-digital-economy\/","title":{"rendered":"Driving Growth in the Digital Era: Indonesia’s Digital Economy"},"content":{"rendered":"

\"\"<\/p>\n

Indonesia, the largest economy in Southeast Asia, is rapidly transforming into a digital powerhouse. With a population exceeding 270 million people, the nation is leveraging its young, tech-savvy demographic and increasing internet penetration to fuel one of the fastest-growing digital economies in the region. By integrating digital technologies into everyday life, Indonesia is not only reshaping traditional business models but also creating new economic opportunities that are revolutionizing industries.<\/p>\n

At the heart of this transformation is the rise of internet connectivity and smartphone adoption. Over 73% of Indonesians now have internet access, and mobile devices dominate how they engage with digital platforms<\/strong>. This accessibility has driven the growth of various sectors, including e-commerce, fintech, and digital services, making them integral to the country\u2019s GDP. According to a report by Google, Temasek, and Bain (2022),<\/strong> Indonesia\u2019s digital economy is projected to grow from $77 billion in 2022 to $146 billion by 2025<\/strong>, cementing its position as the region\u2019s largest digital market.<\/p>\n

The government\u2019s active support has also played a crucial role in enabling this growth. National programs such as “Making Indonesia 4.0”<\/strong> are designed to digitalize industries, empower micro, small, and medium enterprises (MSMEs), and build a robust digital infrastructure. Furthermore, the pandemic acted as a catalyst, accelerating the shift toward digital solutions as businesses and consumers alike turned to online platforms for transactions, education, and entertainment.<\/p>\n

Indonesia\u2019s digital economy isn\u2019t just about convenience; it\u2019s about creating a more inclusive future. By addressing challenges such as infrastructure disparities and digital literacy, the nation is paving the way for equitable growth that benefits all Indonesians, from urban entrepreneurs to rural communities. This transformation signals not only an economic shift but also a cultural one, where technology becomes a cornerstone of everyday life.<\/p>\n

E-commerce: The Crown Jewel of Indonesia\u2019s Digital Economy<\/strong><\/span><\/h3>\n

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E-commerce has become the backbone of Indonesia\u2019s digital economy, driving substantial growth and transforming how Indonesians shop, sell, and interact with businesses. As the largest e-commerce market in Southeast Asia, Indonesia\u2019s growth is propelled by a young, tech-savvy population and increasing internet access. Platforms like Tokopedia<\/strong>, Shopee<\/strong>, and Bukalapak<\/strong> have become household names, offering everything from daily necessities to luxury goods, all accessible with just a few clicks.<\/p>\n

The COVID-19 pandemic acted as a major accelerant for e-commerce adoption. With lockdowns and social distancing measures in place, businesses and consumers turned to online platforms for survival and convenience. Brick-and-mortar retailers embraced digital channels, while new players entered the market, creating a more competitive and innovative landscape. As a result, the e-commerce sector has grown exponentially, with its market size projected to reach $95 billion by 2025<\/strong> (Google, Temasek, Bain, 2022).<\/p>\n

One of the key drivers of this growth is mobile commerce<\/strong>. Over 90% of online purchases in Indonesia are made through smartphones, making mobile apps critical for reaching consumers. Platforms have optimized their interfaces for mobile devices, offering user-friendly experiences, fast payment solutions, and personalized recommendations. Moreover, e-commerce businesses have heavily invested in logistics to ensure efficient delivery, even to remote areas, which were previously underserved.<\/p>\n

Another crucial factor is the growing adoption of digital payment systems<\/strong>. Platforms such as OVO<\/strong>, GoPay<\/strong>, and DANA<\/strong> have simplified transactions, making cashless payments accessible to millions. This shift has benefited small and medium-sized enterprises (SMEs), many of which have integrated these payment methods to streamline operations and attract more customers. By bridging the gap between consumers and businesses, these systems play a pivotal role in the e-commerce ecosystem.<\/p>\n

The success of Indonesia’s e-commerce market is also tied to its vibrant promotional culture. Flash sales, free shipping offers, and major shopping events like 11.11<\/strong> (Singles’ Day) and 12.12<\/strong> (December sales) have become significant drivers of consumer spending. These events not only boost sales but also build customer loyalty and engagement, creating a cycle of sustained growth.<\/p>\n

However, challenges remain. Many rural areas still face infrastructure gaps, such as poor internet connectivity and limited logistics networks, making it difficult to reach customers outside urban hubs. Additionally, the influx of new players has heightened competition, requiring businesses to innovate constantly to stay relevant. Issues such as counterfeit goods and cybersecurity risks also need to be addressed to maintain consumer trust.<\/p>\n

Despite these hurdles, e-commerce in Indonesia remains a beacon of economic transformation. Its ability to connect millions of Indonesians to global markets, empower local businesses, and offer unparalleled convenience underscores its role as the crown jewel of the digital economy. Moving forward, continued investment in infrastructure, digital literacy, and innovation will be essential to unlock its full potential and ensure that this growth benefits all Indonesians.<\/p>\n

Fintech: Revolutionizing Payments and Access to Finance<\/strong><\/span><\/h3>\n

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Indonesia\u2019s fintech sector has become a game-changer, reshaping how millions of people access financial services and conduct transactions. As one of the fastest-growing fintech markets in Southeast Asia, Indonesia is home to over 334 fintech startups<\/strong> (Fintech Indonesia, 2023), offering solutions that range from digital wallets to peer-to-peer (P2P) lending. These innovations are not just transforming urban centers but are also extending financial inclusion to rural and underserved areas, bridging critical gaps in the nation\u2019s financial system.<\/p>\n

One of the standout success stories in Indonesia\u2019s fintech journey is the rise of digital payment platforms<\/strong>. Solutions like GoPay<\/strong>, OVO<\/strong>, DANA<\/strong>, and LinkAja<\/strong> have become essential tools for Indonesians, enabling seamless cashless transactions across various sectors. Whether it\u2019s paying for groceries, ride-hailing services, or utility bills, digital wallets have simplified everyday transactions. According to Bank Indonesia, cashless transactions grew by over 30% year-on-year in 2023<\/strong>, signaling a shift toward a more digitally empowered economy.<\/p>\n

These platforms have also democratized financial access for micro, small, and medium enterprises (MSMEs)<\/strong>. Previously reliant on cash transactions, many MSMEs are now adopting digital payment systems, which not only streamline their operations but also make them more competitive. By offering cashback promotions, loyalty programs, and instant payment processing, fintech platforms are helping small businesses attract and retain customers while fostering a cashless culture.<\/p>\n

Another critical area where fintech is making an impact is P2P lending<\/strong>. Platforms such as KoinWorks<\/strong>, Investree<\/strong>, and Amartha<\/strong> have opened new avenues for both borrowers and investors. These platforms provide access to credit for individuals and small businesses that might otherwise struggle to secure loans from traditional banks. P2P lending has been especially transformative for rural entrepreneurs, offering them the financial resources needed to expand their operations. In 2023, P2P platforms disbursed over IDR 200 trillion<\/strong> ($13 billion) in loans, demonstrating their importance in Indonesia\u2019s economic ecosystem.<\/p>\n

Fintech is also driving growth in investment and savings platforms<\/strong>, making wealth-building tools accessible to more people. Apps like Ajaib<\/strong>, Bibit<\/strong>, and Bareksa<\/strong> have gained popularity for their ease of use and low barriers to entry, encouraging young Indonesians to start investing early. These platforms often include educational content, empowering users to make informed financial decisions.<\/p>\n

The government has played a significant role in fostering fintech innovation through regulatory support. Bank Indonesia and the Financial Services Authority (OJK) have implemented policies to ensure that fintech companies operate securely and transparently. Initiatives like the National Non-Cash Movement (GNNT)<\/strong> and the Indonesia Payment System Blueprint 2025<\/strong> are paving the way for a more integrated and efficient digital payment ecosystem.<\/p>\n

However, challenges remain. Cybersecurity<\/strong> is a growing concern as the fintech sector expands, with incidents of fraud and data breaches posing risks to consumer trust. Additionally, despite the rise in digital payment adoption, many Indonesians in rural areas still lack access to the infrastructure and education needed to fully participate in the fintech revolution. Addressing these issues will require coordinated efforts from the government, fintech companies, and other stakeholders.<\/p>\n

Despite these challenges, fintech continues to revolutionize Indonesia\u2019s financial landscape. By providing innovative solutions, fostering financial inclusion, and enabling cashless transactions, FinTech is empowering individuals and businesses across the nation. As the sector evolves, it is set to play an even more significant role in driving Indonesia\u2019s digital economy and ensuring that its benefits reach all levels of society.<\/p>\n

Government Support: Policies Driving Digital Growth<\/strong><\/span><\/h3>\n

\"\"<\/p>\n

The Indonesian government has played a pivotal role in nurturing the country\u2019s digital economy, leveraging policy frameworks, infrastructure investments, and industry collaborations to create an environment conducive to growth. Recognizing the digital economy\u2019s potential to contribute 18% of the national GDP by 2030<\/strong> (World Bank, 2023), the government has prioritized digitalization across various sectors to stimulate innovation and improve economic resilience.<\/p>\n

One of the flagship initiatives is “Making Indonesia 4.0,”<\/strong> launched in 2018, which aims to integrate advanced technologies such as artificial intelligence (AI), big data, and the Internet of Things (IoT) into Indonesia\u2019s manufacturing and agricultural industries. The program targets an increase in manufacturing\u2019s GDP contribution from 20% to 26% by 2030<\/strong>, while also creating 10 million new jobs<\/strong> in technology-driven sectors (Ministry of Industry, 2023).<\/p>\n

To support widespread connectivity, the government has invested over IDR 21 trillion ($1.4 billion)<\/strong> in the Palapa Ring Project<\/strong>, a nationwide fiber-optic network covering more than 13,000 kilometers<\/strong>. Completed in 2019, the Palapa Ring connects over 500 districts and cities<\/strong>, enabling high-speed internet access even in remote and underserved areas, particularly in eastern Indonesia. This initiative has reduced the digital divide and boosted internet penetration to over 73% of the population as of 2023<\/strong> (Statista, 2023).<\/p>\n

In the financial sector, the government has actively promoted cashless transactions through the National Non-Cash Movement (GNNT)<\/strong>. As a result, digital payment adoption has surged, with transactions reaching IDR 600 trillion ($39 billion)<\/strong> in 2023, a 30% increase compared to the previous year (Bank Indonesia, 2023). This growth has been bolstered by the proliferation of digital wallets like GoPay<\/strong>, OVO<\/strong>, and DANA<\/strong>, which now serve more than 150 million users nationwide<\/strong>.<\/p>\n

For MSMEs, which account for 99% of all businesses in Indonesia<\/strong> and contribute over 60% of GDP<\/strong>, the government has launched the MSME Digital Onboarding Program<\/strong>. By 2024, this program aims to integrate at least 30 million MSMEs<\/strong> into the digital economy. As of mid-2023, over 22 million MSMEs<\/strong> have already adopted digital tools, enabling them to expand their markets and improve operational efficiency (Ministry of Cooperatives and SMEs, 2023).<\/p>\n

The Indonesia Digital Economy Roadmap 2021\u20132045<\/strong> provides a comprehensive vision for the future, focusing on creating a $146 billion digital economy by 2025<\/strong>. This roadmap includes strategic initiatives such as enhancing digital literacy, strengthening cybersecurity, and developing e-governance platforms. One notable success is the Satu Data Indonesia<\/strong> initiative, which consolidates government data into a single platform, improving public services and decision-making.<\/p>\n

The government has also supported startups through programs like Startup Studio Indonesia<\/strong> and tax incentives. These efforts have contributed to Indonesia becoming a regional tech hub, with 15 unicorns<\/strong> (startups valued at over $1 billion) as of 2023, including Tokopedia<\/strong>, Gojek<\/strong>, and Bukalapak<\/strong>. These companies are key drivers of innovation, employment, and foreign investment in the country.<\/p>\n

However, challenges persist. While urban areas enjoy robust infrastructure, only 47% of households in rural areas<\/strong> have access to reliable internet, underscoring the need for further investments in digital connectivity (World Bank, 2023). Additionally, digital literacy programs must reach more people, as 41% of Indonesians<\/strong> are still classified as digitally unskilled, limiting their ability to engage fully in the digital economy (UNESCO, 2023).<\/p>\n

Despite these obstacles, the government\u2019s continued focus on fostering a robust digital ecosystem positions Indonesia as a leader in Southeast Asia\u2019s digital transformation. By addressing these gaps and scaling up successful initiatives, Indonesia can unlock even greater economic potential, ensuring that the benefits of digital growth are shared across all sectors and regions.<\/p>\n

Challenges on the Digital Frontier<\/strong><\/span><\/h3>\n

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Despite its rapid growth, Indonesia\u2019s digital economy faces several challenges that must be addressed to sustain momentum and ensure inclusivity. These challenges range from infrastructure and literacy gaps to regulatory concerns and cybersecurity threats, all of which could hinder the full realization of Indonesia\u2019s digital potential if not properly managed.<\/p>\n

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  1. Digital Infrastructure Gaps: <\/strong>While urban centers such as Jakarta, Surabaya, and Bandung enjoy reliable high-speed internet, many rural and remote areas still lack adequate connectivity. According to the World Bank (2023), only 47% of rural households<\/strong> have access to stable internet, compared to over <\/span>80% in urban areas<\/strong>. This digital divide limits the participation of rural communities in the digital economy, particularly for small businesses and students reliant on online tools. Addressing this requires not only expanding networks like the <\/span>Palapa Ring<\/strong> but also improving last-mile infrastructure to reach underserved populations.<\/span><\/li>\n<\/ol>\n
      \n
    1. Digital Literacy Deficiency: <\/strong>Digital literacy is another pressing issue, with a significant portion of the population lacking the skills needed to effectively use digital tools. According to UNESCO (2023), 41% of Indonesians<\/strong> are categorized as digitally unskilled, leaving them vulnerable to misinformation, fraud, and underemployment in the growing tech-driven job market. Enhancing digital education through public and private initiatives, particularly targeting schools and vocational training centers, is essential to equip Indonesians with the skills they need to thrive in the digital age.<\/span><\/li>\n<\/ol>\n
        \n
      1. Cybersecurity Threats: <\/strong>As the digital economy expands, so does the risk of cyberattacks. Indonesia has experienced a significant rise in data breaches, with over 11 million cyber incidents reported in 2022<\/strong> (National Cyber and Crypto Agency, 2023). From financial fraud to ransomware attacks, these threats jeopardize consumer trust and business operations. While the government has implemented cybersecurity measures, such as the <\/span>Personal Data Protection Act (PDP)<\/strong> passed in 2022, enforcement and awareness remain limited. Strengthening cybersecurity frameworks, alongside widespread education on digital safety, is critical to safeguarding the ecosystem.<\/span><\/li>\n<\/ol>\n
          \n
        1. Regulatory and Bureaucratic Challenges: <\/strong>Indonesia\u2019s regulatory environment has struggled to keep pace with its fast-evolving digital economy. Overlapping regulations, slow bureaucratic processes, and unclear guidelines for emerging sectors like fintech and e-commerce have created barriers for businesses. For example, startups often face lengthy licensing procedures and compliance burdens, which can stifle innovation. Harmonizing regulations across sectors and simplifying processes is essential to create a more business-friendly environment.<\/li>\n<\/ol>\n
            \n
          1. Inclusive Participation and Economic Disparities: <\/strong>The digital economy has been a driver of growth, but its benefits are not evenly distributed. Women, for instance, remain underrepresented in the tech workforce, with only 35% participation<\/strong> compared to men (UNDP, 2023). Similarly, marginalized communities and micro-businesses often lack access to the resources needed to adopt digital tools. Ensuring inclusive policies that support gender equity, affordable technology access, and targeted assistance for small enterprises is key to addressing these disparities.<\/span><\/li>\n<\/ol>\n
              \n
            1. Environmental Impact: <\/strong>The rapid expansion of the digital economy has also raised concerns about its environmental footprint. Increased use of electronic devices, data centers, and logistics for e-commerce has contributed to rising energy consumption and waste generation. According to the Ministry of Environment and Forestry (2023), Indonesia generates over 1.2 million tons of e-waste annually<\/strong>, much of which is improperly disposed of. Promoting green technology solutions, sustainable logistics practices, and e-waste recycling programs can mitigate these impacts.<\/span><\/li>\n<\/ol>\n
                \n
              1. Resistance to Digital Transformation: <\/strong>While businesses and consumers are increasingly adopting digital technologies, some sectors remain resistant to change. Traditional industries, particularly in agriculture and manufacturing, often face barriers such as high costs, lack of technical knowledge, and cultural resistance. Bridging this gap requires tailored support programs, subsidies for technology adoption, and partnerships between the government and private sector to drive digital transformation.<\/li>\n
              2. Conclusion: <\/strong>Indonesia\u2019s digital economy stands at a critical juncture. While its potential for growth is immense, these challenges must be addressed strategically to ensure sustainable and equitable progress. By investing in infrastructure, fostering digital literacy, strengthening cybersecurity, and promoting inclusivity, Indonesia can overcome these barriers and solidify its position as a global digital leader. Proactive and collaborative efforts between the government, private sector, and civil society will be essential to navigating these challenges on the digital frontier.<\/li>\n<\/ol>\n

                Looking Ahead<\/strong><\/span><\/h3>\n

                As Indonesia\u2019s digital economy continues its rapid evolution, the opportunities for growth and transformation are boundless. By 2030, the digital economy is projected to contribute a staggering $146 billion<\/strong> to Indonesia’s GDP, making it a cornerstone of the nation\u2019s economic strategy (World Bank, 2023). However, unlocking this potential requires a unified effort from all stakeholders\u2014government, businesses, and the broader community\u2014to navigate the opportunities and challenges that lie ahead.<\/p>\n

                  \n
                1. Strengthening Infrastructure and Connectivity: <\/strong>To ensure that every Indonesian can benefit from digital transformation, investments in infrastructure must continue. Expanding projects like the Palapa Ring<\/strong> to provide consistent, high-speed internet across all regions is critical. Emerging technologies, such as <\/span>satellite-based internet<\/strong> and <\/span>5G networks<\/strong>, can also play a pivotal role in bridging connectivity gaps, especially in remote and rural areas. Achieving universal access will require collaboration between the government and private sector, supported by regulatory frameworks that encourage investment in underserved regions.<\/span><\/li>\n<\/ol>\n
                    \n
                  1. Empowering Human Capital: <\/strong>The future of Indonesia\u2019s digital economy hinges on its people. Building a digitally skilled workforce will be crucial in meeting the demands of the Fourth Industrial Revolution. Public and private initiatives aimed at enhancing digital literacy, such as coding boot camps, vocational training, and technology-focused curriculums in schools, can equip Indonesians with the skills needed to thrive. Programs targeting women and underserved communities are especially important to ensure inclusive participation in the digital economy.<\/li>\n<\/ol>\n
                      \n
                    1. Promoting Innovation and Entrepreneurship: <\/strong>Indonesia has already emerged as a hub for tech startups, with a growing number of unicorns contributing to the digital economy. Supporting the next wave of innovation will require fostering an environment where entrepreneurs can experiment and scale their ideas. Policies that simplify licensing, offer tax incentives, and facilitate access to funding will encourage the development of new technologies and business models. Initiatives like Startup Studio Indonesia<\/strong> and partnerships with international investors can help local startups compete on the global stage.<\/span><\/li>\n<\/ol>\n
                        \n
                      1. Fostering a Sustainable Digital Economy: <\/strong>The environmental impact of digital growth cannot be overlooked. As e-commerce and digital services expand, so does the need for sustainable practices. Companies must adopt eco-friendly logistics, reduce energy consumption in data centers, and promote the recycling of electronic waste. The government can play a role by setting clear sustainability guidelines and incentivizing businesses to adopt green technologies. By aligning digital growth with environmental responsibility, Indonesia can lead the way in creating a sustainable digital economy.<\/li>\n<\/ol>\n
                          \n
                        1. Strengthening Cybersecurity and Trust: <\/strong>As digital transactions become the norm, protecting user data and ensuring cybersecurity will be essential to maintaining trust. The implementation of the Personal Data Protection Act (PDP)<\/strong> is a step in the right direction, but more robust enforcement and continuous updates to cybersecurity measures are needed. Public awareness campaigns on online safety and partnerships with global cybersecurity firms can further strengthen Indonesia\u2019s digital defenses.<\/span><\/li>\n<\/ol>\n
                            \n
                          1. Preparing for Global Competition: <\/strong>Indonesia\u2019s digital economy has positioned itself as a leader in Southeast Asia, but competition is intensifying as neighboring countries invest heavily in similar initiatives. To stay ahead, Indonesia must prioritize innovation, strengthen trade partnerships, and promote its digital products and services on the global market. By leveraging its large domestic market as a testing ground, Indonesian businesses can refine their offerings and compete internationally.<\/li>\n<\/ol>\n

                            Conclusion<\/strong><\/span><\/h3>\n

                            The road ahead for Indonesia\u2019s digital economy is filled with promise, but it requires deliberate action and collaboration to realize its full potential. By addressing infrastructure challenges, empowering its workforce, promoting sustainable practices, and building a secure digital environment, Indonesia can shape a future where digital transformation drives inclusive and equitable growth. As the nation embraces the digital era, it has the opportunity to not only strengthen its economy but also improve the lives of millions, cementing its position as a global digital powerhouse.<\/p>\n

                            Citations<\/strong><\/h3>\n

                            Bank Indonesia. (2024). Indonesia Payment System Blueprint 2030: Accelerating National Digital Economy for Future Generation<\/em>. Retrieved from https:\/\/www.bi.go.id\/en\/fungsi-utama\/sistem-pembayaran\/blueprint\u301037\u2020source\u3011\u301038\u2020source\u3011<\/a><\/p>\n

                            Statista. (2023). Indonesia: E-commerce revenue 2023<\/em>. Retrieved from https:\/\/www.statista.com\/statistics\/1162955\/indonesia-e-commerce-revenue\/\u301035\u2020source\u3011<\/a><\/p>\n

                            Statista. (2023). Internet penetration rate in Indonesia 2023<\/em>. Retrieved from https:\/\/www.statista.com\/statistics\/254456\/internet-penetration-rate-in-indonesia\/\u301034\u2020source\u3011<\/a><\/p>\n

                            Google & Temasek. (2023). e-Conomy SEA 2023 report<\/em>. Retrieved from https:\/\/economysea.withgoogle.com\/<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

                            Indonesia, the largest economy in Southeast Asia, is rapidly transforming into a digital powerhouse. With a population exceeding 270 million people, the nation is leveraging its young, tech-savvy demographic and increasing internet penetration to fuel one of the fastest-growing digital economies in the region. By integrating digital technologies into everyday life, Indonesia is not only […]<\/p>\n","protected":false},"author":7,"featured_media":3377,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,10],"tags":[],"class_list":["post-3375","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","category-business"],"_links":{"self":[{"href":"https:\/\/bbs.binus.ac.id\/ibm\/wp-json\/wp\/v2\/posts\/3375","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bbs.binus.ac.id\/ibm\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bbs.binus.ac.id\/ibm\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bbs.binus.ac.id\/ibm\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/bbs.binus.ac.id\/ibm\/wp-json\/wp\/v2\/comments?post=3375"}],"version-history":[{"count":7,"href":"https:\/\/bbs.binus.ac.id\/ibm\/wp-json\/wp\/v2\/posts\/3375\/revisions"}],"predecessor-version":[{"id":3398,"href":"https:\/\/bbs.binus.ac.id\/ibm\/wp-json\/wp\/v2\/posts\/3375\/revisions\/3398"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bbs.binus.ac.id\/ibm\/wp-json\/wp\/v2\/media\/3377"}],"wp:attachment":[{"href":"https:\/\/bbs.binus.ac.id\/ibm\/wp-json\/wp\/v2\/media?parent=3375"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bbs.binus.ac.id\/ibm\/wp-json\/wp\/v2\/categories?post=3375"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bbs.binus.ac.id\/ibm\/wp-json\/wp\/v2\/tags?post=3375"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}