{"id":3299,"date":"2025-06-12T08:22:49","date_gmt":"2025-06-12T00:22:49","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3299"},"modified":"2025-06-12T08:22:49","modified_gmt":"2025-06-12T00:22:49","slug":"%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e7%94%9f%e6%80%81%e5%9b%be%e8%b0%b1%ef%bc%9a%e9%93%b6%e8%a1%8c%e3%80%81%e9%92%b1%e5%8c%85%e3%80%81%e7%ac%ac%e4%b8%89%e6%96%b9%e5%b9%b3%e5%8f%b0","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/06\/12\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e7%94%9f%e6%80%81%e5%9b%be%e8%b0%b1%ef%bc%9a%e9%93%b6%e8%a1%8c%e3%80%81%e9%92%b1%e5%8c%85%e3%80%81%e7%ac%ac%e4%b8%89%e6%96%b9%e5%b9%b3%e5%8f%b0\/","title":{"rendered":"Indonesia's payments ecosystem mapping: banks, wallets, third-party platforms"},"content":{"rendered":"

Below is a detailed mapping analysis of the Indonesian payments ecosystem, covering the core players and their characteristics in banks, e-wallets and third-party payment platforms:<\/p>\n

\n

I. Banking system (traditional pillar)<\/strong><\/h3>\n
    \n
  1. \n

    The four state-owned banks<\/strong><\/p>\n

      \n
    • Mandiri<\/strong>: The largest state-owned bank with the e-wallet LinkAja (a joint venture with several state-owned enterprises).<\/li>\n
    • BNI<\/strong>: Strong government background and support for national subsidy payments.<\/li>\n
    • BRI<\/strong>: Widest coverage of rural areas with BRImo digital banking.<\/li>\n
    • BTN<\/strong>: Focus on housing loans and less on payments business.<\/li>\n<\/ul>\n<\/li>\n
    • \n

      Private commercial banks<\/strong><\/p>\n

        \n
      • BCA (Bank Central Asia)<\/strong>:: Highest market share, \"Flazz\" prepaid cards are widely used for retail micropayments.<\/li>\n
      • CIMB Niaga\/Maybank\/DBS Indonesia<\/strong>: Foreign background and obvious advantages in cross-border payments.<\/li>\n<\/ul>\n<\/li>\n
      • \n

        Digital Banking Innovator<\/strong><\/p>\n

          \n
        • Jago<\/em>(Formerly Bank Artos): deep collaboration with Gojek, embedded financial services benchmark.<\/li>\n
        • Neobank<\/em> E.g. TMRW (UOB), Jenius (BCA): purely online services to attract young users.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n
          \n

          II. E-purse (leading daily transactions)<\/h3>\n
            \n
          1. \n

            player who is head of the game<\/strong>:<\/p>\n

              \n
            • GoPay<\/em> (Gojek eco): largest mobile wallet in Indonesia, covering taxi\/takeaway\/e-commerce scenarios. market share over 35% by 2023.
              \nspecificities<\/em>:: High penetration of offline QR codes and rapid growth of \"PayLater\" credit payments.<\/li>\n<\/ul>\n<\/li>\n
            • \n

              OVO<\/strong><\/em> (Lippo Group + Grab + Toku):
              \nEarlier tied to Grab's mobility scenario, it has now expanded to retail (Indomaret chain), bill payment.
              \nUnique advantage: Deep integration with Lazada e-commerce.<\/p>\n<\/li>\n<\/ol>\n

              3.DANA<\/strong>(Ant Group + Emtek):
              \nStrong social attributes (through the chat application SaaS integration), rural penetration rate increased quickly.<\/p>\n

              4.Other regionalised players<\/strong>:<\/p>\n

                \n
              • LinkAja (Union of State Enterprises): portal for public government contributions.<\/li>\n
              • ShopeePay (Sea Group): Relying on Shopee e-commerce growth is rapid.<\/li>\n<\/ul>\n
                \n

                III. Third-party aggregation platforms (Critical Connectors<\/strong>)
                \n1.Technology-driven<\/strong>:
                \n- Xendit :API aggregation of 200+ channels, services for SMEs (small and medium-sized enterprises), support for cross-border acquiring.
                \n- Midtrans (Tokopedia): mainly serves e-commerce platforms.<\/p>\n

                2.Telecom Operator Convergence<\/strong>:
                \n- Telkomsel's TCash retains its top-up portal after its transformation into LinkAja.
                \n- Indosat's STMPay focuses on the needs of the Muslim community.<\/p>\n

                \n

                IV. Regulatory framework and trends
                \n-Central Bank BI-led, core legislation.
                \n- QRIS standardised QR codes.
                \n- PBI No.23\/2019 requires all NBFCs to be connected to the National Clearing System .
                \n–Movements in 2024<\/strong>:
                \n(1) Digital rupee (CBDC) pilot expansion; (2) foreign ownership restrictions may be loosened (Gopay may bring in new investors).<\/p>\n

                Data addendum: Indonesia's e-transaction volume reaches $53bn by 2023 (Frost & Sullivan), but the cash share is still as high as 65% (especially in tier 2 and tier 3 cities).<\/p>\n

                V. Segmentation Scenarios and User Behaviour Analysis of Indonesia's Payment Ecosystem<\/strong><\/h3>\n

                1. Distribution of high-frequency payment scenarios<\/strong><\/h4>\n
                  \n
                • \n

                  E-commerce payments (lead)<\/strong>:<\/p>\n

                    \n
                  • ShopeePay<\/em>(Shopee),OVO<\/em>(Lazada\/Tokopedia) dominated the share with BNPL (buy now pay later) penetration rising rapidly.<\/li>\n
                  • GoPay is growing synergistically in social e-commerce (TikTok Shop, etc.) through Gojek Logistics.<\/li>\n<\/ul>\n<\/li>\n
                  • \n

                    Offline retail & micro-merchants<\/strong>:<\/p>\n

                      \n
                    • BCA's Flazz card still dominates traditional retail, but e-wallet QRIS QR codes are accelerating substitution (especially convenience store chains Indomaret\/Alfamart).<\/li>\n
                    • DANA expands street vendors (Pedagang Kaki Lima) through a network of agents in small and medium-sized cities.<\/li>\n<\/ul>\n<\/li>\n
                    • \n

                      Public Contributions & Government Services<\/strong>:<\/p>\n

                        \n
                      • LinkAja has a monopoly on utility bills, transport cards (e.g. JakLingko for Jakarta e-ticketing) and other SOE-related scenarios.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
                        \n

                        2. User stratification and payment preferences<\/strong><\/h4>\n\n\n\n\n\n\n\n
                        crowds<\/strong><\/th>\nMain tools<\/strong><\/th>\ndriving force<\/strong><\/th>\n<\/tr>\n<\/thead>\n
                        young urban population<\/td>\nGoPay\/ShopeePay<\/td>\nSuper App Convenience, BNPL Requirements<\/td>\n<\/tr>\n
                        Middle-class families<\/td>\nBCA Mobile Banking + OVO<\/td>\nTrusting traditional banks and juggling e-commerce offers<\/td>\n<\/tr>\n
                        Rural\/elderly users<\/td>\nDANA Cash Recharge & Agency Points<\/td>\nSimple operation, no need for full KYC<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                        \n

                        VI. Competitive landscape of cross-border payments<\/strong><\/h3>\n
                          \n
                        1. \n

                          Entry payments<\/em><\/strong>(Foreign - Indonesia).<\/p>\n

                            \n
                          • Alipay+\/WeChat Pay (for Chinese tourists) has access to BCA\/Mandiri's acquiring system, but with limited share.<\/li>\n
                          • Visa\/Mastercard online travel booking still dominates, but homegrown solutions (Doku's cross-border QR) are being rolled out in ASEAN.<\/li>\n<\/ul>\n<\/li>\n
                          • \n

                            Overseas corporate collections<\/em><\/strong>(Indonesia \u2192 Overseas).
                            \n- Xendit supports multi-currency settlement, becoming the first choice for cross-border e-commerce.
                            \n- Wise (formerly TransferWise) is growing fast in the personal money transfer space.<\/p>\n<\/li>\n<\/ol>\n

                            \n

                            VII. Key trend projections for the next three years
                            \n1.regulatory escalation<\/strong>:: BI may force all e-wallets to transfer money to each other (similar to India's UPI), undermining the advantages of a closed ecosystem.
                            \n2.Super App Integration War<\/strong>:: Possible acquisition of small and medium-sized wallets by Grab-OVO or GoTo (Gopay+Tokopedia).
                            \n3.Credit Technology Explosion<\/strong>:<\/p>\n

                              \n
                            • Bank Jago and Akulaku collaborate on \"embedded credit\";
                              \n- Kredivo (FINACCEL) expands from virtual cards to full scene staging.<\/li>\n<\/ul>\n

                              4.Hardware innovation attempts<\/strong>:
                              \n- Gojek tests NFC wearable device payments;
                              \n- QRIS will support sound wave transmission technology (Sound-based Payment).<\/p>\n

                              \n

                              VIII. Challenges and risk early warning
                              \n\u26a0\ufe0f Compliance costs<\/em>:: BI's anti-money laundering scrutiny is tightening, and foreign platforms need localisation.
                              \n\u26a0\ufe0f profitability dilemma<\/em>: Gopay and others still rely on subsidies to gain customers, and there may be a wave of mergers and acquisitions in the industry after 2025.<\/p>","protected":false},"excerpt":{"rendered":"

                              Below is a detailed mapping analysis of the Indonesian payments ecosystem, covering banks, e-wallets and third-party...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[39],"tags":[],"class_list":["post-3299","post","type-post","status-publish","format-standard","hentry","category-39"],"yoast_head":"\n\u5370\u5c3c\u652f\u4ed8\u751f\u6001\u56fe\u8c31\uff1a\u94f6\u884c\u3001\u94b1\u5305\u3001\u7b2c\u4e09\u65b9\u5e73\u53f0 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/en\/2025\/06\/12\/\u5370\u5c3c\u652f\u4ed8\u751f\u6001\u56fe\u8c31\uff1a\u94f6\u884c\u3001\u94b1\u5305\u3001\u7b2c\u4e09\u65b9\u5e73\u53f0\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5370\u5c3c\u652f\u4ed8\u751f\u6001\u56fe\u8c31\uff1a\u94f6\u884c\u3001\u94b1\u5305\u3001\u7b2c\u4e09\u65b9\u5e73\u53f0\" \/>\n<meta property=\"og:description\" content=\"\u4ee5\u4e0b\u662f\u5370\u5c3c\u652f\u4ed8\u751f\u6001\u7684\u8be6\u7ec6\u56fe\u8c31\u5206\u6790\uff0c\u6db5\u76d6\u94f6\u884c\u3001\u7535\u5b50\u94b1\u5305\u53ca\u7b2c\u4e09\u65b9…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/06\/12\/\u5370\u5c3c\u652f\u4ed8\u751f\u6001\u56fe\u8c31\uff1a\u94f6\u884c\u3001\u94b1\u5305\u3001\u7b2c\u4e09\u65b9\u5e73\u53f0\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-12T00:22:49+00:00\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/12\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e7%94%9f%e6%80%81%e5%9b%be%e8%b0%b1%ef%bc%9a%e9%93%b6%e8%a1%8c%e3%80%81%e9%92%b1%e5%8c%85%e3%80%81%e7%ac%ac%e4%b8%89%e6%96%b9%e5%b9%b3%e5%8f%b0\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/12\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e7%94%9f%e6%80%81%e5%9b%be%e8%b0%b1%ef%bc%9a%e9%93%b6%e8%a1%8c%e3%80%81%e9%92%b1%e5%8c%85%e3%80%81%e7%ac%ac%e4%b8%89%e6%96%b9%e5%b9%b3%e5%8f%b0\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u5370\u5c3c\u652f\u4ed8\u751f\u6001\u56fe\u8c31\uff1a\u94f6\u884c\u3001\u94b1\u5305\u3001\u7b2c\u4e09\u65b9\u5e73\u53f0\",\"datePublished\":\"2025-06-12T00:22:49+00:00\",\"dateModified\":\"2025-06-12T00:22:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/12\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e7%94%9f%e6%80%81%e5%9b%be%e8%b0%b1%ef%bc%9a%e9%93%b6%e8%a1%8c%e3%80%81%e9%92%b1%e5%8c%85%e3%80%81%e7%ac%ac%e4%b8%89%e6%96%b9%e5%b9%b3%e5%8f%b0\/\"},\"wordCount\":132,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"articleSection\":[\"\u5370\u5c3c\u652f\u4ed8\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/06\/12\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e7%94%9f%e6%80%81%e5%9b%be%e8%b0%b1%ef%bc%9a%e9%93%b6%e8%a1%8c%e3%80%81%e9%92%b1%e5%8c%85%e3%80%81%e7%ac%ac%e4%b8%89%e6%96%b9%e5%b9%b3%e5%8f%b0\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/12\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e7%94%9f%e6%80%81%e5%9b%be%e8%b0%b1%ef%bc%9a%e9%93%b6%e8%a1%8c%e3%80%81%e9%92%b1%e5%8c%85%e3%80%81%e7%ac%ac%e4%b8%89%e6%96%b9%e5%b9%b3%e5%8f%b0\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/06\/12\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e7%94%9f%e6%80%81%e5%9b%be%e8%b0%b1%ef%bc%9a%e9%93%b6%e8%a1%8c%e3%80%81%e9%92%b1%e5%8c%85%e3%80%81%e7%ac%ac%e4%b8%89%e6%96%b9%e5%b9%b3%e5%8f%b0\/\",\"name\":\"\u5370\u5c3c\u652f\u4ed8\u751f\u6001\u56fe\u8c31\uff1a\u94f6\u884c\u3001\u94b1\u5305\u3001\u7b2c\u4e09\u65b9\u5e73\u53f0 - 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