Optimizer
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Recommendations below could add Rp 2.3B/month if all rolled out.
Enable opt-out-default for sub-Rp 25K GoFood orders
Currently opt-in for all orders. Switching to opt-out-default for low-value orders showed +8.4pp attach in test (already running). Complaint rate rose 0.3pp — below threshold. Rolling out to full Indonesia could add ~1.2M new policies/month.
- Test cohort already shows +8.4pp attach lift.
- Complaint delta below OJK threshold (0.3pp vs 1.0pp).
- Low-value orders carry minimal claim severity risk.
- Affected customers
- ~14M GoFood orders/month
- Current annual revenue
- Rp 9.0B
- Projected annual revenue
- Rp 16.4B
- Net lift
- Rp 7.4B/year (+82%)
- Complaint risk
- Medium — +0.3pp observed in test, below 1.0pp OJK threshold.
- Confidence
- 91% (live test data)
Cross-sell GoSend Travel to GoRide Safe holders in cargo regions
Customers who hold GoRide Safe and live in Bekasi, Tangerang, or Bogor send packages 4.1x the national average. Pushing GoSend Travel to this segment via in-app card could attach 18% at first touch.
- Geographic + product-holding overlap signals intent.
- GoSend shipping frequency is 4.1x national average in target regions.
- In-app card slot already available — no new surface needed.
- Affected customers
- ~98,000 customers
- Current annual revenue
- Rp 1.6B
- Projected annual revenue
- Rp 6.5B
- Net lift
- Rp 4.9B/year (+306%)
- Complaint risk
- Low — opt-in flow.
- Confidence
- 79%
Activate Auto-protect bundle for 142K GoRide-only renewers
142,000 drivers renewed GoRide Safe last year but were never offered the bundled Auto-protect upgrade. At baseline attach rate (38%), activating the bundle at next renewal could capture ~54,000 new Auto-protect policies.
- Renewal moment has 3.1x higher attach than cold offers.
- Auto-protect is the natural step-up product for active GoRide drivers.
- Bundle pricing already validated in Surabaya pilot (Q2 2025).
- Affected customers
- 142,000 GoRide drivers
- Current annual revenue
- Rp 4.2B
- Projected annual revenue
- Rp 8.8B
- Net lift
- Rp 4.6B/year (+110%)
- Complaint risk
- Low (similar bundle showed +0.2pp complaint rate in past test)
- Confidence
- 87% (based on 3 prior tests of similar bundles)
Push 30-day renewal reminder via WhatsApp instead of in-app
In-app renewal reminder has 18% open rate. WhatsApp reminder pilot showed 67% open rate, 31% renewal lift. Rolling out requires WhatsApp Business API integration (2 weeks engineering).
- WhatsApp open rates 3.7x in-app for Indonesian audience.
- Renewal moment has highest attach leverage of any touchpoint.
- Pilot already validated channel.
- Affected customers
- ~620K renewals/month
- Current annual revenue
- Rp 9.2B
- Projected annual revenue
- Rp 12.7B
- Net lift
- Rp 3.5B/year (+38%)
- Complaint risk
- Low — opt-out available, message frequency capped.
- Confidence
- 88%
Lower GoFood Auto-protect premium 20% in Tier-2 cities for 14 days
Tier-2 city customers show 3.2x higher price sensitivity than Jakarta/Surabaya. A 20% test reduction (Rp 1,000 → Rp 800) is projected to lift attach 4.8pp, more than offsetting per-unit margin loss.
- Tier-2 price elasticity is 3.2x Jakarta baseline.
- Volume lift more than offsets margin compression.
- 14-day window contains regulatory risk.
- Affected customers
- ~480,000 Tier-2 customers
- Current annual revenue
- Rp 2.1B
- Projected annual revenue
- Rp 5.0B
- Net lift
- Rp 2.9B/year (+138%)
- Complaint risk
- Low — no coverage change, only price.
- Confidence
- 82%
Raise GoPay Device deductible from Rp 250K to Rp 500K
Average claim severity Rp 6.84M, but bottom 30% of claims are under Rp 500K and drive 22% of operational cost. Higher deductible filters these out, improves loss ratio 4pp, partners see commission rise.
- Small claims drive disproportionate operational cost.
- Loss ratio improvement flows directly to partner commission.
- Deductible still well below market average for the category.
- Affected customers
- ~840K active GoPay Device policies
- Current annual revenue
- Rp 12.0B (loss)
- Projected annual revenue
- Rp 9.8B (loss)
- Net lift
- Rp 2.2B/year in reduced losses
- Complaint risk
- Medium — customers with sub-Rp 500K claims will see deductible eat coverage.
- Confidence
- 85%
Add 'Diatur OJK' badge to GoPay Device checkout
Trust badge experiment showed +5.7pp attach in Bandung pilot. Rolling out to all cities is a pure win — no complaint risk, no margin impact, just better trust signaling.
- OJK badge is the highest-trust regulatory signal in ID.
- Bandung pilot lift was statistically significant at 99%.
- Zero margin/coverage change — purely presentational.
- Affected customers
- ~3.2M GoPay Device sessions/month
- Current annual revenue
- Rp 1.8B
- Projected annual revenue
- Rp 3.2B
- Net lift
- Rp 1.4B/year (+78%)
- Complaint risk
- None — no functional change.
- Confidence
- 94%
Sunset GoRide Safe 'Lite' SKU — drives 0.8% revenue, 4.2% complaints
Lite SKU was a 2024 experiment to test ultra-low premium pricing. It drives <1% of revenue but 4.2% of all complaints (mostly 'coverage too limited' confusion). Sunsetting and migrating customers to standard SKU improves NPS and complaints.
- Revenue contribution negligible (0.8%).
- Complaint share disproportionate (4.2%).
- Migration path to Standard SKU is well-priced (+Rp 200).
- Affected customers
- ~38,000 Lite policy holders
- Current annual revenue
- Rp 0.9B
- Projected annual revenue
- Rp 1.8B (after migration to Standard)
- Net lift
- Rp 0.9B/year + reduced support cost
- Complaint risk
- High — sunsetting is always reputationally risky. Phased migration recommended.
- Confidence
- 72%