Shifting Payment Preferences in Indonesia’s Digital Economy
This research explores how Indonesian consumers are changing the way they pay—moving from cash-heavy behavior toward digital wallets, QRIS, and Buy Now Pay Later (BNPL) platforms.
Overview
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Indonesia’s digital economy is evolving rapidly, and payment behavior is changing with it. Consumers are increasingly opting for seamless, contactless, and credit-enabled payment methods. The widespread adoption of QRIS and the surge in digital wallet usage—led by GoPay, OVO, DANA, and ShopeePay—are reshaping both online and offline transactions.
This market research highlights:
Growth of QRIS and mobile wallet penetration
User segmentation by age, location, and income
BNPL adoption and risk outlook
Key regulatory movements from Bank Indonesia
Business implications for e-commerce and fintech players
With Gen Z and Millennials leading the shift, understanding this transformation is crucial for merchants, platforms, and investors navigating Indonesia’s next payment frontier.
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