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Country Report

Debit Transactions in

Debit Cards in Indonesia

17 pages, Oct 2017

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

Healthy growth continues for debit cards

Debit cards witnessed strong growth during 2017 and this was in part driven by the tax amnesty introduced by the government in 2016. The scheme required banks to submit a customer’s credit card transaction details to the tax office, driving many cardholders back to cash and debit cards out of fear of being tracked.

Online shopping drives debit card growth

Riding on the digital wave, merchants are starting to provide the technology that allows the use of debit cards for online transactions. In Indonesia, the debit cards issued by most banks, such as Bank Central Asia, ANZ Panin Bank, Bank Danamon Indonesia, HSBC Holdings, and many others, still cannot be used for online transactions.

Nationwide migration to chip technology

The central bank has issued a regulation for debit/ATM cards to shift to chip technology instead of using the traditional magnetic stripe card by 2021. This is to increase the efficiency and safety of cardholders when performing transactions as magnetic stripe card transactions risk exposing card information to potential fraudulent activities.

COMPETITIVE LANDSCAPE

Dominant international operator continues to strengthen its lead

MasterCard is the dominant operator within debit transactions in Indonesia. It will continue to expand its network through its recent partnership with an international bank, OCBC NISP by launching the bank’s online transaction-enabled debit cards to secure an even deeper footprint in Indonesian payments.

Chinese operator continues to expand and collaborate

UnionPay, a Chinese operator, started to expand its business in Indonesian banking to capture growing business ties with China and an increasing number of Chinese tourists to Indonesia. The first debit card issuer in Indonesia to partner UnionPay was Bank Sinarmas in 2014.

Banks introduce higher number of digital innovations

The changes in the country’s demographics with the rise of millennials, an increase in the number of internet users, and the growing penetration of smartphones in Indonesia have triggered banking players to continuously access and refine their business models to keep up with the trends, while aiming to increase their share. Jenius, is a mobile banking platform and application launched by Bank Tabungan Pensiunan Nasional in 2016, which allows users to open a savings account through the app, manage their finances and conduct regular banking transactions in a more secure manner.

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Overview

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Charge Cards in Indonesia - Category analysis

Charge Cards in Indonesia - Company Profile

HEADLINES

PROSPECTS

Recovering economy results in marginal growth for charge card transactions

Charge cards utilised by business

Personal charge cards performs negatively

COMPETITIVE LANDSCAPE

Danamon and American Express still the only players

CATEGORY DATA

Table 1 Charge Cards: Number of Cards in Circulation 2012-2017
Table 2 Charge Cards Transactions 2012-2017
Table 3 Charge Cards in Circulation: % Growth 2012-2017
Table 4 Charge Cards Transactions: % Growth 2012-2017
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2012-2017
Table 6 Commercial Charge Cards Transactions 2012-2017
Table 7 Commercial Charge Cards in Circulation: % Growth 2012-2017
Table 8 Commercial Charge Cards Transactions: % Growth 2012-2017
Table 9 Personal Charge Cards: Number of Cards in Circulation 2012-2017
Table 10 Personal Charge Cards Transactions 2012-2017
Table 11 Personal Charge Cards in Circulation: % Growth 2012-2017
Table 12 Personal Charge Cards Transactions: % Growth 2012-2017
Table 13 Charge Cards: Number of Cards by Issuer 2012-2016
Table 14 Charge Cards: Number of Cards by Operator 2012-2016
Table 15 Charge Cards Payment Transaction Value by Issuer 2012-2016
Table 16 Charge Cards Payment Transaction Value by Operator 2012-2016
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2012-2016
Table 18 Commercial Charge Cards: Number of Cards by Operator 2012-2016
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2012-2016
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2012-2016
Table 21 Personal Charge Cards: Number of Cards by Issuer 2012-2016
Table 22 Personal Charge Cards: Number of Cards by Operator 2012-2016
Table 23 Personal Charge Cards Transaction Value by Issuer 2012-2016
Table 24 Personal Charge Cards Transaction Value by Operator 2012-2016
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2017-2022
Table 26 Forecast Charge Cards Transactions 2017-2022
Table 27 Forecast Charge Cards in Circulation: % Growth 2017-2022
Table 28 Forecast Charge Cards Transactions: % Growth 2017-2022
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2017-2022
Table 30 Forecast Commercial Charge Cards Transactions 2017-2022
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2017-2022
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2017-2022
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2017-2022
Table 34 Forecast Personal Charge Cards Transactions 2017-2022
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2017-2022
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2017-2022

Credit Cards in Indonesia - Category analysis

Credit Cards in Indonesia - Company Profile

HEADLINES

PROSPECTS

Recovery by credit cards due to tax amnesty programme slower than expected

Central bank cuts credit card interest rate to promote cashless transactions

Prolonged issue of credit card merchant discount rate fee

COMPETITIVE LANDSCAPE

Low credit card penetration invites foreign investment

E-commerce aids growth potential of credit cards

Affluent customers are the potential target audience

CATEGORY DATA

Table 37 Credit Cards: Number of Cards in Circulation 2012-2017
Table 38 Credit Cards Transactions 2012-2017
Table 39 Credit Cards in Circulation: % Growth 2012-2017
Table 40 Credit Cards Transactions: % Growth 2012-2017
Table 41 Commercial Credit Cards: Number of Cards in Circulation 2012-2017
Table 42 Commercial Credit Cards Transactions 2012-2017
Table 43 Commercial Credit Cards in Circulation: % Growth 2012-2017
Table 44 Commercial Credit Cards Transactions: % Growth 2012-2017
Table 45 Personal Credit Cards: Number of Cards in Circulation 2012-2017
Table 46 Personal Credit Cards Transactions 2012-2017
Table 47 Personal Credit Cards in Circulation: % Growth 2012-2017
Table 48 Personal Credit Cards Transactions: % Growth 2012-2017
Table 49 Credit Cards: Number of Cards by Issuer 2012-2016
Table 50 Credit Cards: Number of Cards by Operator 2012-2016
Table 51 Credit Cards Payment Transaction Value by Issuer 2012-2016
Table 52 Credit Cards Payment Transaction Value by Operator 2012-2016
Table 53 Commercial Credit Cards: Number of Cards by Issuer 2012-2016
Table 54 Commercial Credit Cards: Number of Cards by Operator 2012-2016
Table 55 Commercial Credit Cards Payment Transaction Value by Issuer 2012-2016
Table 56 Commercial Credit Cards Payment Transaction Value by Operator 2012-2016
Table 57 Personal Credit Cards: Number of Cards by Issuer 2012-2016
Table 58 Personal Credit Cards: Number of Cards by Operator 2012-2016
Table 59 Personal Credit Cards Payment Transaction Value by Issuer 2012-2016
Table 60 Personal Credit Cards Payment Transaction Value by Operator 2012-2016
Table 61 Forecast Credit Cards: Number of Cards in Circulation 2017-2022
Table 62 Forecast Credit Cards Transactions 2017-2022
Table 63 Forecast Credit Cards in Circulation: % Growth 2017-2022
Table 64 Forecast Credit Cards Transactions: % Growth 2017-2022
Table 65 Forecast Commercial Credit Cards: Number of Cards in Circulation 2017-2022
Table 66 Forecast Commercial Credit Cards Transactions 2017-2022
Table 67 Forecast Commercial Credit Cards in Circulation: % Growth 2017-2022
Table 68 Forecast Commercial Credit Cards Transactions: % Growth 2017-2022
Table 69 Forecast Personal Credit Cards: Number of Cards in Circulation 2017-2022
Table 70 Forecast Personal Credit Cards Transactions 2017-2022
Table 71 Forecast Personal Credit Cards in Circulation: % Growth 2017-2022
Table 72 Forecast Personal Credit Cards Transactions: % Growth 2017-2022

Debit Cards in Indonesia - Category analysis

Debit Cards in Indonesia - Company Profile

HEADLINES

PROSPECTS

Healthy growth continues for debit cards

Online shopping drives debit card growth

Nationwide migration to chip technology

COMPETITIVE LANDSCAPE

Dominant international operator continues to strengthen its lead

Chinese operator continues to expand and collaborate

Banks introduce higher number of digital innovations

CATEGORY DATA

Table 73 Debit Cards: Number of Cards in Circulation 2012-2017
Table 74 Debit Cards Transactions 2012-2017
Table 75 Debit Cards in Circulation: % Growth 2012-2017
Table 76 Debit Cards Transactions: % Growth 2012-2017
Table 77 Debit Cards: Number of Cards by Issuer 2012-2016
Table 78 Debit Cards: Number of Cards by Operator 2012-2016
Table 79 Debit Cards Payment Transaction Value by Issuer 2012-2016
Table 80 Debit Cards Payment Transaction Value by Operator 2012-2016
Table 81 Forecast Debit Cards: Number of Cards in Circulation 2017-2022
Table 82 Forecast Debit Cards Transactions 2017-2022
Table 83 Forecast Debit Cards in Circulation: % Growth 2017-2022
Table 84 Forecast Debit Cards Transactions: % Growth 2017-2022

Pre-Paid Cards in Indonesia - Category analysis

Pre-Paid Cards in Indonesia - Company Profile

HEADLINES

PROSPECTS

Government and banking’s aggressive promotions of cashless transactions spur pre-paid’s performance

Implementation of E-tollgates in 2018

Increasing travel from suburbs supports usage of pre-paid cards

COMPETITIVE LANDSCAPE

Bank Mandiri remains leading issuer of pre-paid transactions

Players flock to open loop pre-paid cards

Indonesians value convenience

CATEGORY DATA

Table 85 Pre-paid Cards: Number of Cards in Circulation 2012-2017
Table 86 Pre-paid Cards Transactions 2012-2017
Table 87 Pre-paid Cards in Circulation: % Growth 2012-2017
Table 88 Pre-paid Cards Transactions: % Growth 2012-2017
Table 89 Closed Loop Pre-paid Cards Transactions 2012-2017
Table 90 Closed Loop Pre-paid Cards Transactions: % Growth 2012-2017
Table 91 Open Loop Pre-paid Cards Transactions 2012-2017
Table 92 Open Loop Pre-paid Cards Transactions: % Growth 2012-2017
Table 93 Pre-paid Cards: Number of Cards by Issuer 2012-2016
Table 94 Pre-paid Cards: Number of Cards by Operator 2012-2016
Table 95 Pre-paid Cards Transaction Value by Issuer 2012-2016
Table 96 Pre-paid Cards Transaction Value by Operator 2012-2016
Table 97 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2012-2016
Table 98 Closed Loop Pre-paid Cards: Number of Cards by Operator 2012-2016
Table 99 Closed Loop Pre-paid Cards Transaction Value by Issuer 2012-2016
Table 100 Closed Loop Pre-paid Cards Transaction Value by Operator 2012-2016
Table 101 Open Loop Pre-paid Cards: Number of Cards by Issuer 2012-2016
Table 102 Open Loop Pre-paid Cards: Number of Cards by Operator 2012-2016
Table 103 Open Loop Pre-paid Cards Transaction Value by Issuer 2012-2016
Table 104 Open Loop Pre-paid Cards Transaction Value by Operator 2012-2016
Table 105 Forecast Pre-paid Cards: Number of Cards in Circulation 2017-2022
Table 106 Forecast Pre-paid Cards Transactions 2017-2022
Table 107 Forecast Pre-paid Cards in Circulation: % Growth 2017-2022
Table 108 Forecast Pre-paid Cards Transactions: % Growth 2017-2022
Table 109 Forecast Closed Loop Pre-paid Cards Transactions 2017-2022
Table 110 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 111 Forecast Open Loop Pre-paid Cards Transactions 2017-2022
Table 112 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2017-2022

Store Cards in Indonesia - Category analysis

Store Cards in Indonesia - Company Profile

PROSPECTS

Financial Cards and Payments in Indonesia - Industry Overview

EXECUTIVE SUMMARY

Cash remains dominant

Government initiatives spur growth of financial cards

Switching to cards does not necessarily benefit card operators

Promotions and discounts key to growth for issuers

Financial cards and payments is set to record strong performance over the forecast

MARKET INDICATORS

Table 113 Number of POS Terminals: Units 2012-2017
Table 114 Number of ATMs: Units 2012-2017
Table 115 Value Lost to Fraud 2012-2017
Table 116 Card Expenditure by Location 2017
Table 117 Financial Cards in Circulation by Type: % Number of Cards 2012-2017
Table 118 Domestic versus Foreign Spend 2017

MARKET DATA

Table 119 Financial Cards by Category: Number of Cards in Circulation 2012-2017
Table 120 Financial Cards by Category: Number of Accounts 2012-2017
Table 121 Financial Cards Transactions by Category: Value 2012-2017
Table 122 Financial Cards by Category: Number of Transactions 2012-2017
Table 123 Consumer Payments by Category: Value 2012-2017
Table 124 Consumer Payments by Category: Number of Transactions 2012-2017
Table 125 M-Commerce by Category: Value 2013-2017
Table 126 M-Commerce by Category: % Value Growth 2013-2017
Table 127 Financial Cards: Number of Cards by Issuer 2012-2016
Table 128 Financial Cards: Number of Cards by Operator 2012-2016
Table 129 Financial Cards: Card Payment Transactions Value by Operator 2012-2016
Table 130 Financial Cards: Card Payment Transactions Value by Issuer 2012-2016
Table 131 Forecast Financial Cards by Category: Number of Cards in Circulation 2017-2022
Table 132 Forecast Financial Cards by Category: Number of Accounts 2017-2022
Table 133 Forecast Financial Cards Transactions by Category: Value 2017-2022
Table 134 Forecast Financial Cards by Category: Number of Transactions 2017-2022
Table 135 Forecast Consumer Payments by Category: Value 2017-2022
Table 136 Forecast Consumer Payments by Category: Number of Transactions 2017-2022
Table 137 Forecast M-Commerce by Category: Value 2017-2022
Table 138 Forecast M-Commerce by Category: % Value Growth 2017-2022

Megatrends

Country Report

Debit Cards in Indonesia

New Report Guarantee

Executive Summary

New Report Guarantee

PROSPECTS

Healthy growth continues for debit cards

Online shopping drives debit card growth

Nationwide migration to chip technology

COMPETITIVE LANDSCAPE

Dominant international operator continues to strengthen its lead

Chinese operator continues to expand and collaborate

Banks introduce higher number of digital innovations

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

Recovering economy results in marginal growth for charge card transactions

Charge cards utilised by business

Personal charge cards performs negatively

COMPETITIVE LANDSCAPE

Danamon and American Express still the only players

CATEGORY DATA

Credit Cards in Indonesia - Category analysis

Credit Cards in Indonesia - Company Profile

HEADLINES

PROSPECTS

Recovery by credit cards due to tax amnesty programme slower than expected

Central bank cuts credit card interest rate to promote cashless transactions

Prolonged issue of credit card merchant discount rate fee

COMPETITIVE LANDSCAPE

Low credit card penetration invites foreign investment

E-commerce aids growth potential of credit cards

Affluent customers are the potential target audience

CATEGORY DATA

Debit Cards in Indonesia - Category analysis

Debit Cards in Indonesia - Company Profile

HEADLINES

PROSPECTS

Healthy growth continues for debit cards

Online shopping drives debit card growth

Nationwide migration to chip technology

COMPETITIVE LANDSCAPE

Dominant international operator continues to strengthen its lead

Chinese operator continues to expand and collaborate

Banks introduce higher number of digital innovations

CATEGORY DATA

Pre-Paid Cards in Indonesia - Category analysis

Pre-Paid Cards in Indonesia - Company Profile

HEADLINES

PROSPECTS

Government and banking’s aggressive promotions of cashless transactions spur pre-paid’s performance

Implementation of E-tollgates in 2018

Increasing travel from suburbs supports usage of pre-paid cards

COMPETITIVE LANDSCAPE

Bank Mandiri remains leading issuer of pre-paid transactions

Players flock to open loop pre-paid cards

Indonesians value convenience

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

Cash remains dominant

Government initiatives spur growth of financial cards

Switching to cards does not necessarily benefit card operators

Promotions and discounts key to growth for issuers

Financial cards and payments is set to record strong performance over the forecast

MARKET INDICATORS

MARKET DATA

SOURCES

Why buy this report?

Want to find out more about this report?

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