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PUBLISHER: GlobalData | PRODUCT CODE: 2060351
PUBLISHER: GlobalData | PRODUCT CODE: 2060351
Indonesia Cards and Payments: Opportunities and Risks to 2030
PUBLISHED:
PAGES: 114 Pages
DELIVERY TIME: 1-2 business days
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GlobalData's 'Indonesia Cards and Payments: Opportunities and Risks to 2030' report provides detailed analysis of market trends in Indonesia cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including debit, credit and charge cards during the review-period (2022-26e).
The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, transaction values and volumes during the review-period and over the forecast-period (2026e-30f). It also offers information on the country's competitive landscape, including market shares of issuers and schemes.
The report brings together GlobalData's research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies and recent changes in regulatory structure.
GlobalData's 'Indonesia Cards and Payments: Opportunities and Risks to 2030' report provides top-level market analysis, information and insights into Indonesia cards and payments industry, including:
- Current and forecast values for each market in Indonesia cards and payments industry, including debit, credit and charge cards.
- Detailed insights into payment instruments including cards, credit transfer, cash, cheques and direct debits. It also, includes an overview of the country's key alternative payment instruments.
- Ecommerce market analysis.
- Analysis of various market drivers and regulations governing Indonesia cards and payments industry.
- Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.
- Comprehensive analysis of consumer attitudes and buying preferences for cards.
- The competitive landscape of Indonesia cards and payments industry.
Key Highlights
- Digital banking is growing in popularity, underpinned by strong regulatory support, mobile-first consumer behavior, and rising demand for convenient, integrated solutions. In May 2025, the introduction of OVO Nabung by Superbank enabled users to open and manage a regulated savings account within the OVO wallet. This allows users to save directly via the OVO app without fees.
- In February 2026, BI joined Project Nexus to strengthen cross-border payment networks by collaborating with five other central banks: Bank Negara Malaysia, Bangko Sentral ng Pilipinas, Monetary Authority of Singapore, Bank of Thailand, and the Reserve Bank of India. Project Nexus aims to connect various domestic instant payment systems to improve the speed, cost, transparency of, and access to cross-border payments. It is designed to standardize the way that global instant payment systems connect to each other.
- Contactless payments are gaining traction, driven by their introduction within public transport networks. In June 2025, public transport operator PT Moda Integrasi Transportasi Jabodetabek and Visa introduced contactless payments at the station gates of the Soekarno-Hatta Airport Rail Link. This enables passengers to tap Visa contactless cards, mobile wallets, and smartwatches to buy tickets, removing the need for physical tickets or waiting in line at ticket machines.
Scope
- Card market size in terms of number of cards, value and volume of transactions in Indonesia along with detailed card segmentation of debit, credit and charge cards available in the country.
- Market sizing and analysis of major payment instruments including cards, credit transfer, cash, cheques and direct debits.
- Payment market trends and growth for both historical and forecast period
- Competitor analysis with detailed insights into leading card issuers and schemes.
- Comprehensive analyasis of consumer attitudes and buying preferences for cards.
- A detailed snapshot of country's key alternative payment brands.
Reasons to Buy
- Make strategic business decisions, using top-level historic and forecast market data, related to Indonesia cards and payments industry and each market within it.
- Understand the key market trends and growth opportunities in Indonesia cards and payments industry.
- Assess the competitive dynamics in Indonesia cards and payments industry.
- Gain insights into marketing strategies used for various card types in Indonesia.
- Gain insights into key regulations governing Indonesia cards and payments industry.
Product Code: GDFS0960CI
Table of Contents
Table of Contents
1. Executive Summary
2. Market Overview
3. Macroeconomics, Regulation, and Infrastructure
4. Payment Instruments
5. Card-Based Payments
6. Card Payment Acquiring
7. Instant Payments
8.Digital Wallet Payments
9. Buy Now Pay Later
10. Retail Payments
11. In-Store Payments
12. Ecommerce Payments
13. Bill Payments
14. P2P and Remittances
15. Appendix
Product Code: GDFS0960CI
List of Table
List of Tables
- Key facts, 2025
- Payment instrument transaction values (LCU), 2022-2030f
- Payment instrument transaction values ($), 2022-2030f
- Payment instrument transaction volumes (units), 2022-2030f
- Payment cards in circulation by type (units), 2022-2030f
- Volume of payment card transactions (units), 2022-2030f
- Value of payment card transactions (LCU), 2022-2030f
- Value of payment card transactions ($), 2022-2030f
- Debit cards in circulation (units), 2022-2030f
- Debit card transaction volumes, 2022-2030f
- Debit card transaction values (LCU), 2022-2030f
- Debit card transaction values ($), 2022-2030f
- Debit cards in circulation by scheme (units), 2022-26e
- Debit card transaction values by scheme (LCU), 2022-26e
- Debit card transaction values by scheme ($), 2022-26e
- Debit cards in circulation by issuer (units), 2022-26e
- Debit cards transaction value by issuer (LCU), 2022-26e
- Debit cards transaction value by issuer ($), 2022-26e
- Credit and charge cards in circulation (Units), 2022-2030f
- Credit and charge card transaction volumes, 2022-2030f
- Credit and charge card transaction values (units), 2022-2030f
- Credit and charge card transaction values ($), 2022-2030f
- Credit and charge cards in circulation by scheme (units), 2022-26e
- Credit and charge card transaction values by scheme (LCU), 2022-26e
- Credit and charge card transaction values by scheme ($), 2022-26e
- Credit and charge cards in circulation by issuer (units), 2022-26e
- Credit and charge cards transaction value by issuer (LCU), 2022-26e
- Credit and charge cards transaction value by issuer ($), 2022-26e
- Credit card in circulation (units), 2022-2030f
- Credit card transaction volumes, 2022-2030f
- Credit card transaction values (LCU), 2022-2030f
- Credit card transaction values ($), 2022-2030f
- Credit card in circulation by scheme (units), 2022-26e
- Credit card transaction values by scheme (LCU), 2022-26e
- Credit card transaction values by scheme ($), 2022-26e
- Charge card in circulation (units), 2022-2030f
- Charge card transaction volumes, 2022-2030f
- Charge card transaction values (LCU), 2022-2030f
- Charge card transaction values ($), 2022-2030f
- Charge card in circulation by scheme (units), 2022-26e
- Charge card transaction values by scheme (LCU), 2022-26e
- Charge card transaction values by scheme ($), 2022-26e
- Prepaid cards in circulation (units), 2022-2030f
- prepaid card transaction values (LCU), 2022-2030f
- prepaid card transaction values ($), 2022-2030f
- Prepaid card transaction volumes (units), 2022-2030f
- merchant acquiring transaction volumes (units), 2022-2030f
- merchant acquiring transaction values (LCU), 2022-2030f
- merchant acquiring transaction values ($), 2022-2030f
- acquirers' transaction volumes (units), 2022-26e
- acquirers' transaction values (LCU), 2022-26e
- acquirers' transaction values ($), 2022-26e
- retail outlets and card-accepting merchants (units), 2022-2030f
- debit card average interchange fees (%), 2022-26e
- credit and charge card average interchange fees (%), 2022-26e
- debit card merchant service charge and interchange fee (%), 2022-2030f
- credit and charge card merchant service charge and interchange fee (%), 2022-2030f
- retail market by product categories (LCU), 2022-2030f
- retail market by product categories ($), 2022-2030f
List of Figure
List of Figures
- Card penetration per inhabitant
- Average number of monthly card transactions
- POS terminals per 1,000 inhabitants
- Inflation rate
- GDP growth rate
- Unemployment rate
- Average annual wages
- Total population
- Banked population
- Internet penetration
- Cell phone penetration
- Number of ATMs and ATMs per 1 million inhabitants
- Number of POS terminals and POS terminals per 1 million inhabitants
- Payment istrument transaction volume (paper-based vs electronic payments)
- Payment instruments transaction value
- Payment instruments transaction volume
- Cross-border payment value
- Cross-border payment Volume
- Payment cards number of cards in circulation
- Payment cards card penetration per individual, by card type
- Payment cards value of card transactions
- Payment cards volume of card transactions
- Payments card value physical POS vs. remote
- Payments card volume physical POS vs. remote
- Payments value domestic vs. cross-border
- Payments volume domestic vs. cross-border
- Debit card share of transaction value
- Credit and charge card share of transaction value
- Debit card frequency of payments and average transaction value
- Debit card ATM withdrawals frequency of use and average transaction value
- Debit card schemes transaction value
- Debit card schemes transaction volume
- Debit card schemes market share in terms of transaction value
- Debit card issuers by number of cards
- Debit card issuers by transaction value share
- Credit and charge card frequency of payments and average transaction value
- Credit and charge card ATM withdrawals frequency of use and average transaction value
- Credit and charge card schemes transaction value
- Credit and charge card schemes transaction volume
- Credit and charge card schemes market share in terms of transaction value
- Credit and charge card issuers by number of cards
- Credit and charge card issuers by transaction value share
- Credit card balances outstanding
- Credit card balances outstanding repayment schedule
- Number of prepaid cards, value and volume
- Prepaid card usage drivers
- Card payment acquiring transaction value and volume
- Card Payment Acquiring - Debit card transaction value and market share by transaction value
- Card Payment Acquiring - Credit and charge card transaction value and market share by transaction value
- Debit card average interchange fees (%)
- Credit and charge card average interchange fees (%)
- Debit card merchant service charge and interchange fee (%)
- Credit and charge card merchant service charge and interchange fee (%)
- Instant payments transaction value
- Instant payments transaction volume
- Digital wallet transaction value
- Digital wallet transaction volume
- Mobile Proximity Payments usage drivers
- Mobile Proximity Payments funding methods
- BNPL online transaction value and transaction volume
- BNPL share of overall ecommerce transaction value
- Preferred BNPL brand/tool for in-store and online payments
- Retail sales
- In-store transaction value by payment method
- In-store payment tool usage drivers
- In-store transaction value by products and services
- E-commerce transaction value and ecommerce breakdown by mobile vs. desktop/laptop
- Ecommerce market by product and services
- Ecommerce market by payment tools
- Online payment tool usage drivers
- Bill Payments - Breakdown by payment tools
- Bill Payments- Frequency of bill payments
- P2P Payments - Domestic and International P2P money transfers and top priorities for P2P tools
- Value of inward and outward remittances
- Top 10 countries for inward and onward remittances
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