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Super-apps, also known as everything-apps, are mobile or web applications that provide multiple services, including payment and instant messaging, effectively becoming an all-encompassing self-contained commerce and communication online platform. Here are some key points about super-apps¹:

Notable Examples

- *WeChat*: A Chinese multi-purpose instant messaging, social media, and mobile payment app with over 1 billion monthly active users. It combines messaging, payments, e-commerce, and more within a single application.

- *Tata Neu*: An Indian super-app developed by the Tata Group, offering a range of services and features.

- *Grab*: A Southeast Asian technology company providing ride-hailing, food delivery, and digital payment services through its mobile app.

- *Gojek*: An Indonesian on-demand multi-service digital platform and fintech payment super-app offering various services, including ride-hailing, food delivery, and digital payments.

Characteristics

- *Core Features*: Super-apps provide a set of core features while giving access to independently developed mini-apps.

- *Mini-apps Ecosystem*: Users can discover, activate, and remove mini-apps as needed, creating a personalized experience.

- *Platform Services*: Super-apps often include commonly used services like messaging and payment.

Benefits and Challenges

- *Convenience*: Super-apps can consolidate multiple services, making it easier for users to access various features in one place.

- *Personalization*: Users can customize their experience by selecting and installing mini-apps.

- *Data Sharing*: Super-apps can share data between mini-apps, enhancing the user experience.

- *Security Risks*: With access to large amounts of personal data, super-apps can pose security risks if not properly managed.

Future of Super-apps

- *Growing Popularity*: Gartner predicts that by 2027, more than 50% of the global population will be daily active users of multiple super-apps.

- *Expansion*: Super-apps are expected to