Towards a Transaction [Payments] Modern

Retail distribution has the distinct advantage of the operational management system. To get the value of the transaction, then the distributor-retailer simply rely on retailers who are registered with a limited amount and is a regular customer. In contrast to the retailer's own business, where customers are very broad and not necessarily become regular customers. But with these advantages, it seems not much use as most of the operational management practices in B2B models / Business Market / Business to Business.
Most Current conditions

In the B2B industry, the Vendor in managing its business operations set in advance in contracts with customers who apply for a certain period. The contract is generally well organized about the manner of payment and penalty schedule with a certain tolerance. This can be realized as a business entity / organization has the level of transaction security is better. Its existence has a certain assurance.

Although B2B models above also occur between the distributor with the this principle, but the model is still not widely applied between the distributor to retailer. Only retailers who use the concept of "Modern Market" which would require a prior contract, mainly related to the agreed payment system.

The number of customer of Distributor is also not a little, but it also can not say much. The numbers can still be calculated, because the customer is registered in advance and had passed the verification process. For example, customers can reach 20,000 subscribers distributor, how do distributors currently managing the payment system?

It seems to handle customer-customer of its "Traditional", then any payment transactions are still done traditionally. For customers who have a business that is large enough, they've implemented a scheduled payment system for example on a particular day or how many times in one month. Still, there are indications it is still not effective and also not in the operational efficiency of the payment.
Effective and Efficient payment is not

Currently most of the distributor to implement the billing system based on the date of issuance of invoice. Where the invoice or order form for each delivery made by the distributor. If within one month there are 10 different invoices within 10 days, there can be 10 times the billing activity. Billing is meant here is that payment is not made COD (Cash on Delivery), but payments on credit eg 7, 14, 21, 30 days, and so on.

If within one month consisting of 100,000 Invoice, then you can imagine in a month which means that there are 100,000 billing requires how many collector. While the bill is not really a value-added activity, because the payment is the responsibility of the customer. Only industrial situation in Indonesia today, especially those belonging to the traditional retail still takes the role of collector.
Modern Payment Mechanism

Thanks to the presence of credit card that has appeared many years ago, so that individual consumers need not be bothered to spend cash for each transaction. Transactions with a credit card is safe for both parties, and very wise in managing equity in the deal.

Distributor in Indonesia should be able to start the same concept. Most of the industry should now have a credit card, or at least become banking customers. So that models such as credit card transactions can also be implemented in the operational distribution.
Why Must the Credit Card System?

Safe and easy transaction. Safe because the collector does not need to carry cash from the customer to be deposited to the office or to the bank. Easy because the billing is only done once in a period that was agreed upon. It is also fair, in the event of late payment, it can be charged interest. For customer own benefit, because they do not have to pay cash because it has a credit facility of up to 30 days.
How to Start?

To be sure the customer of the distributor should be educated first. The distributors who compete if need be met to make a deal with the matter of the transaction model like this. So that retailers feel that the demands of such a change that must be followed.

Banks need to see this model as a great opportunity. So the banks need to be active and to educate to distributors and retailers to explain the benefits of the use of banking facilities in the transaction through this credit card.
Cover

With the above exposure, then it's time to use the facilities every business man the right technology to achieve effective management and efficient operations. Investment which would not in vain and can provide benefits in the long run. Are you ready to "Channel Steward"?