JAKARTA - At a makeshift kiosk outside her home in a South Jakarta backstreet, 39-year-old Julaiha stands at the front lines of a multi-billion-dollar battle over one of the richest opportunities in the global digital economy.
Along with goods such as instant noodles and cigarettes, she sells insurance and offers a service to pay utility bills. Though Julaiha has never had a bank account, she can help customers apply for small loans or order products from the internet.
from Asia
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