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Country Report

Debit Transactions in

Debit Cards in Indonesia

18 pages, Nov 2018

US$990

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Executive Summary

New Report Guarantee

If you purchase a report that is updated in the next 60 days, we will send you the new edition and data extract FREE!

PROSPECTS

Debit cards see positive growth in 2018

Strong growth in the number of debit cards is due to the implementation of government regulations. The effects of the 2016-2017 tax amnesty programme continue – consumers prefer cash transactions rather than using credit cards.

The national payment network commences

During the review period, Indonesia experienced a breakthrough in financial cards and payments due to the launch of the first national payment network. The long history of numerous non-cash issuers, with their own cards, platforms, infrastructure and systems limiting the acceptance of other issuers’ cards, has caused inconvenience for users and high costs of infrastructure maintenance for the issuers themselves.

Healthy growth will continue for debit cards

The government regulations that aim to improve and integrate the nation’s financial network have become the largest determining factor of the debit cards industry. The National Standard Indonesian Chip Card Specification (NSICCS), launched previously, which requires users to have chip cards instead of cards which use the magnetic strip to enhance users’ security, together with GPN-logo debit cards will ensure healthy growth in the number of debit cards.

COMPETITIVE LANDSCAPE

The presence of national debit cards may pose a threat to foreign principals

The GPN is being implemented gradually. It has been applied to ATM/Debit with the launch of the first GPN-logo debit cards.

To maintain presence in Indonesia, foreign principals need to work with domestic institutions and adapt to consumer needs

Even though the GPN poses questions on the future of foreign principals in Indonesia, there is no regulation requiring the banking population to terminate their existing cards. While GPN-logo debit cards are expected to gain share, cards operated by foreign principals will still exist, mostly for international transactions.

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Overview

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Charge Cards in Indonesia - Category analysis

Charge Cards in Indonesia - Company Profile

HEADLINES

PROSPECTS

Transactions value growth in 2018 is minimal

Personal charge cards performing badly

COMPETITIVE LANDSCAPE

The Danamon American Express card continues to dominate charge cards in Indonesia

Newcomers have little impact

CATEGORY DATA

Table 1 Charge Cards: Number of Cards in Circulation 2013-2018
Table 2 Charge Cards Transactions 2013-2018
Table 3 Charge Cards in Circulation: % Growth 2013-2018
Table 4 Charge Cards Transactions: % Growth 2013-2018
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2013-2018
Table 6 Commercial Charge Cards Transactions 2013-2018
Table 7 Commercial Charge Cards in Circulation: % Growth 2013-2018
Table 8 Commercial Charge Cards Transactions: % Growth 2013-2018
Table 9 Personal Charge Cards: Number of Cards in Circulation 2013-2018
Table 10 Personal Charge Cards Transactions 2013-2018
Table 11 Personal Charge Cards in Circulation: % Growth 2013-2018
Table 12 Personal Charge Cards Transactions: % Growth 2013-2018
Table 13 Charge Cards: Number of Cards by Issuer 2013-2017
Table 14 Charge Cards: Number of Cards by Operator 2013-2017
Table 15 Charge Cards Payment Transaction Value by Issuer 2013-2017
Table 16 Charge Cards Payment Transaction Value by Operator 2013-2017
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2013-2017
Table 18 Commercial Charge Cards: Number of Cards by Operator 2013-2017
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2013-2017
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2013-2017
Table 21 Personal Charge Cards: Number of Cards by Issuer 2013-2017
Table 22 Personal Charge Cards: Number of Cards by Operator 2013-2017
Table 23 Personal Charge Cards Transaction Value by Issuer 2013-2017
Table 24 Personal Charge Cards Transaction Value by Operator 2013-2017
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2018-2023
Table 26 Forecast Charge Cards Transactions 2018-2023
Table 27 Forecast Charge Cards in Circulation: % Growth 2018-2023
Table 28 Forecast Charge Cards Transactions: % Growth 2018-2023
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2018-2023
Table 30 Forecast Commercial Charge Cards Transactions 2018-2023
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2018-2023
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2018-2023
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2018-2023
Table 34 Forecast Personal Charge Cards Transactions 2018-2023
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2018-2023
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2018-2023

Credit Cards in Indonesia - Category analysis

Credit Cards in Indonesia - Company Profile

HEADLINES

PROSPECTS

A weak credit card performance is seen in 2018

Adapting to consumer trends and needs helps the credit card business

Although at a slower rate, credit cards are predicted to continue growing in the forecast period

COMPETITIVE LANDSCAPE

Foreign principals in credit cards need strategies to deal with the GPN implementation

Digital credit cards emerge

CATEGORY DATA

Table 37 Credit Cards: Number of Cards in Circulation 2013-2018
Table 38 Credit Cards Transactions 2013-2018
Table 39 Credit Cards in Circulation: % Growth 2013-2018
Table 40 Credit Cards Transactions: % Growth 2013-2018
Table 41 Commercial Credit Cards: Number of Cards in Circulation 2013-2018
Table 42 Commercial Credit Cards Transactions 2013-2018
Table 43 Commercial Credit Cards in Circulation: % Growth 2013-2018
Table 44 Commercial Credit Cards Transactions: % Growth 2013-2018
Table 45 Personal Credit Cards: Number of Cards in Circulation 2013-2018
Table 46 Personal Credit Cards Transactions 2013-2018
Table 47 Personal Credit Cards in Circulation: % Growth 2013-2018
Table 48 Personal Credit Cards Transactions: % Growth 2013-2018
Table 49 Credit Cards: Number of Cards by Issuer 2013-2017
Table 50 Credit Cards: Number of Cards by Operator 2013-2017
Table 51 Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 52 Credit Cards Payment Transaction Value by Operator 2013-2017
Table 53 Commercial Credit Cards: Number of Cards by Issuer 2013-2017
Table 54 Commercial Credit Cards: Number of Cards by Operator 2013-2017
Table 55 Commercial Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 56 Commercial Credit Cards Payment Transaction Value by Operator 2013-2017
Table 57 Personal Credit Cards: Number of Cards by Issuer 2013-2017
Table 58 Personal Credit Cards: Number of Cards by Operator 2013-2017
Table 59 Personal Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 60 Personal Credit Cards Payment Transaction Value by Operator 2013-2017
Table 61 Forecast Credit Cards: Number of Cards in Circulation 2018-2023
Table 62 Forecast Credit Cards Transactions 2018-2023
Table 63 Forecast Credit Cards in Circulation: % Growth 2018-2023
Table 64 Forecast Credit Cards Transactions: % Growth 2018-2023
Table 65 Forecast Commercial Credit Cards: Number of Cards in Circulation 2018-2023
Table 66 Forecast Commercial Credit Cards Transactions 2018-2023
Table 67 Forecast Commercial Credit Cards in Circulation: % Growth 2018-2023
Table 68 Forecast Commercial Credit Cards Transactions: % Growth 2018-2023
Table 69 Forecast Personal Credit Cards: Number of Cards in Circulation 2018-2023
Table 70 Forecast Personal Credit Cards Transactions 2018-2023
Table 71 Forecast Personal Credit Cards in Circulation: % Growth 2018-2023
Table 72 Forecast Personal Credit Cards Transactions: % Growth 2018-2023

Debit Cards in Indonesia - Category analysis

Debit Cards in Indonesia - Company Profile

HEADLINES

PROSPECTS

Debit cards see positive growth in 2018

The national payment network commences

Healthy growth will continue for debit cards

COMPETITIVE LANDSCAPE

The presence of national debit cards may pose a threat to foreign principals

To maintain presence in Indonesia, foreign principals need to work with domestic institutions and adapt to consumer needs

CATEGORY DATA

Table 73 Debit Cards: Number of Cards in Circulation 2013-2018
Table 74 Debit Cards Transactions 2013-2018
Table 75 Debit Cards in Circulation: % Growth 2013-2018
Table 76 Debit Cards Transactions: % Growth 2013-2018
Table 77 Debit Cards: Number of Cards by Issuer 2013-2017
Table 78 Debit Cards: Number of Cards by Operator 2013-2017
Table 79 Debit Cards Payment Transaction Value by Issuer 2013-2017
Table 80 Debit Cards Payment Transaction Value by Operator 2013-2017
Table 81 Forecast Debit Cards: Number of Cards in Circulation 2018-2023
Table 82 Forecast Debit Cards Transactions 2018-2023
Table 83 Forecast Debit Cards in Circulation: % Growth 2018-2023
Table 84 Forecast Debit Cards Transactions: % Growth 2018-2023

Pre-Paid Cards in Indonesia - Category analysis

Pre-Paid Cards in Indonesia - Company Profile

HEADLINES

PROSPECTS

The government’s initiative for cashless payment at toll gates contributes to the healthy growth of pre-paid cards in 2018

Indonesia’s National Non-cash Movement may only offer pre-paid cards a temporary sweet spot

No signs of slowing down yet

COMPETITIVE LANDSCAPE

Mandiri and Bank Central Asia’s pre-paid cards jointly dominate

Non-card-based electronic money is the biggest competitor for pre-paid cards

CATEGORY DATA

Table 85 Pre-paid Cards: Number of Cards in Circulation 2013-2018
Table 86 Pre-paid Cards Transactions 2013-2018
Table 87 Pre-paid Cards in Circulation: % Growth 2013-2018
Table 88 Pre-paid Cards Transactions: % Growth 2013-2018
Table 89 Closed Loop Pre-paid Cards Transactions 2013-2018
Table 90 Closed Loop Pre-paid Cards Transactions: % Growth 2013-2018
Table 91 Open Loop Pre-paid Cards Transactions 2013-2018
Table 92 Open Loop Pre-paid Cards Transactions: % Growth 2013-2018
Table 93 Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 94 Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 95 Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 96 Pre-paid Cards Transaction Value by Operator 2013-2017
Table 97 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 98 Closed Loop Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 99 Closed Loop Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 100 Closed Loop Pre-paid Cards Transaction Value by Operator 2013-2017
Table 101 Open Loop Pre-paid Cards: Number of Cards by Issuer 2013-2017
Table 102 Open Loop Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 103 Open Loop Pre-paid Cards Transaction Value by Issuer 2013-2017
Table 104 Open Loop Pre-paid Cards Transaction Value by Operator 2013-2017
Table 105 Forecast Pre-paid Cards: Number of Cards in Circulation 2018-2023
Table 106 Forecast Pre-paid Cards Transactions 2018-2023
Table 107 Forecast Pre-paid Cards in Circulation: % Growth 2018-2023
Table 108 Forecast Pre-paid Cards Transactions: % Growth 2018-2023
Table 109 Forecast Closed Loop Pre-paid Cards Transactions 2018-2023
Table 110 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2018-2023
Table 111 Forecast Open Loop Pre-paid Cards Transactions 2018-2023
Table 112 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2018-2023

Store Cards in Indonesia - Category analysis

Store Cards in Indonesia - Company Profile

PROSPECTS

Financial Cards and Payments in Indonesia - Industry Overview

EXECUTIVE SUMMARY

Government regulations remain the major driving factor shaping Indonesia’s financial payments industry

The first phase of the GPN aims to extend public acceptance of cashless transactions

The performance of credit cards is yet to recover

Transitioning to a cashless society may not benefit financial cards

The government continues to determine the growth of financial cards and payments in Indonesia

MARKET INDICATORS

Table 113 Number of POS Terminals: Units 2013-2018
Table 114 Number of ATMs: Units 2013-2018
Table 115 Value Lost to Fraud 2013-2018
Table 116 Card Expenditure by Location 2017
Table 117 Financial Cards in Circulation by Type: % Number of Cards 2013-2018
Table 118 Domestic versus Foreign Spend 2018

MARKET DATA

Table 119 Financial Cards by Category: Number of Cards in Circulation 2013-2018
Table 120 Financial Cards by Category: Number of Accounts 2013-2018
Table 121 Financial Cards Transactions by Category: Value 2013-2018
Table 122 Financial Cards by Category: Number of Transactions 2013-2018
Table 123 Consumer Payments by Category: Value 2013-2018
Table 124 Consumer Payments by Category: Number of Transactions 2013-2018
Table 125 M-Commerce by Category: Value 2013-2018
Table 126 M-Commerce by Category: % Value Growth 2013-2018
Table 127 Financial Cards: Number of Cards by Issuer 2013-2017
Table 128 Financial Cards: Number of Cards by Operator 2013-2017
Table 129 Financial Cards: Card Payment Transactions Value by Operator 2013-2017
Table 130 Financial Cards: Card Payment Transactions Value by Issuer 2013-2017
Table 131 Forecast Financial Cards by Category: Number of Cards in Circulation 2018-2023
Table 132 Forecast Financial Cards by Category: Number of Accounts 2018-2023
Table 133 Forecast Financial Cards Transactions by Category: Value 2018-2023
Table 134 Forecast Financial Cards by Category: Number of Transactions 2018-2023
Table 135 Forecast Consumer Payments by Category: Value 2018-2023
Table 136 Forecast Consumer Payments by Category: Number of Transactions 2018-2023
Table 137 Forecast M-Commerce by Category: Value 2018-2023
Table 138 Forecast M-Commerce by Category: % Value Growth 2018-2023

Megatrends

Country Report

Debit Cards in Indonesia

New Report Guarantee

Executive Summary

New Report Guarantee

PROSPECTS

Debit cards see positive growth in 2018

The national payment network commences

Healthy growth will continue for debit cards

COMPETITIVE LANDSCAPE

The presence of national debit cards may pose a threat to foreign principals

To maintain presence in Indonesia, foreign principals need to work with domestic institutions and adapt to consumer needs

Overview

Why buy this report?

Want to find out more about this report?

Table of Contents

Charge Cards in Indonesia - Category analysis

Charge Cards in Indonesia - Company Profile

HEADLINES

PROSPECTS

Transactions value growth in 2018 is minimal

Personal charge cards performing badly

COMPETITIVE LANDSCAPE

The Danamon American Express card continues to dominate charge cards in Indonesia

Newcomers have little impact

CATEGORY DATA

Credit Cards in Indonesia - Category analysis

Credit Cards in Indonesia - Company Profile

HEADLINES

PROSPECTS

A weak credit card performance is seen in 2018

Adapting to consumer trends and needs helps the credit card business

Although at a slower rate, credit cards are predicted to continue growing in the forecast period

COMPETITIVE LANDSCAPE

Foreign principals in credit cards need strategies to deal with the GPN implementation

Digital credit cards emerge

CATEGORY DATA

Debit Cards in Indonesia - Category analysis

Debit Cards in Indonesia - Company Profile

HEADLINES

PROSPECTS

Debit cards see positive growth in 2018

The national payment network commences

Healthy growth will continue for debit cards

COMPETITIVE LANDSCAPE

The presence of national debit cards may pose a threat to foreign principals

To maintain presence in Indonesia, foreign principals need to work with domestic institutions and adapt to consumer needs

CATEGORY DATA

Pre-Paid Cards in Indonesia - Category analysis

Pre-Paid Cards in Indonesia - Company Profile

HEADLINES

PROSPECTS

The government’s initiative for cashless payment at toll gates contributes to the healthy growth of pre-paid cards in 2018

Indonesia’s National Non-cash Movement may only offer pre-paid cards a temporary sweet spot

No signs of slowing down yet

COMPETITIVE LANDSCAPE

Mandiri and Bank Central Asia’s pre-paid cards jointly dominate

Non-card-based electronic money is the biggest competitor for pre-paid cards

CATEGORY DATA

Store Cards in Indonesia - Category analysis

Store Cards in Indonesia - Company Profile

PROSPECTS

Financial Cards and Payments in Indonesia - Industry Overview

EXECUTIVE SUMMARY

Government regulations remain the major driving factor shaping Indonesia’s financial payments industry

The first phase of the GPN aims to extend public acceptance of cashless transactions

The performance of credit cards is yet to recover

Transitioning to a cashless society may not benefit financial cards

The government continues to determine the growth of financial cards and payments in Indonesia

MARKET INDICATORS

MARKET DATA

DEFINITIONS

SOURCES

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