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As of May 2025, e-wallets dominated digital payment methods in Indonesia, used by ** percent of respondents. This usage is boosted by a young population and expanding mobile internet access. At the same time, banking platforms and Buy Now, Pay Later services have been widely adopted, demonstrating the growing trend toward flexible, cashless payments. 

Increased adoption of digital payments

The country's most widely used e-wallets, such as Gopay, OVO, and Dana continue to grow due to their convenience, particularly with super apps such as Grab and Gojek, allowing daily transactions across all sectors. Meanwhile, Buy Now Pay Later systems are growing in popularity as consumers seek short-term credit options, particularly younger users or those who lack access to conventional bank credit. 

Digital finance trends

The rapid adoption of digital payment platforms in Indonesia, driven by the Quick Response Code Indonesian Standard (QRIS), has facilitated the transition from traditional offline to online financial activities. Developed by Bank Indonesia, this national code simplifies payments by eliminating the need for a bank account or credit card. As financial literacy in Indonesia gradually improves, fintech and e-commerce services are on the rise, with digital payments transaction values expected to grow by more than ** percent by 2028. In the coming years, Indonesia aims to strengthen financial governance and move towards a cashless society.