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Country Report

Debit Transactions in

Debit Cards in Indonesia

Nov 2019

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 sees a positive performance due to greater convenience

Growth was seen by all measures in debit cards in 2019, although it should be noted that there are no commercial debit cards in Indonesia, so all growth is attributed to personal credit cards. The population increasingly sees the convenience and efficiency of using debit cards, whilst the implementation of the first phase of GPN, the new national payment network, also increased the number of debit cards in circulation, due to the cost saving and convenience of the new GPN debit cards.

E-wallets hamper growth in debit cards

The development of digital technology in Indonesia is now inevitable. Industries are now having to adapt and accept its presence in every activity.

Healthy growth will continue due to convenience and improved security

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), which requires users to have chip cards instead of cards which use a magnetic strip, to enhance users’ security, together with GPN-labelled 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 operators

GPN is gradually being implemented in the country, with the national bank officially launching GPN debit cards in May 2018, and penetration reaching around 40%. Since the regulation requires the banking population to have at least one GPN-labelled card, and as there are benefits of using the cards for both merchants and users, it is predicted that the population will be attracted to using a single card for all domestic transactions.

Foreign principals will need to work with domestic institutions and adapt

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

Assessing consumers’ needs to increase debit transactions

Assessing the needs and progress of products is one crucial way to increase transactions. For example, so far the use of Bank Mandiri debit cards is still dominated by transactions through ATMs, namely cash withdrawals.

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Overview

Why buy this report?

Gain competitive intelligence about market leaders. Track key industry trends, opportunities and threats. Inform your marketing, brand, strategy and market development, sales and supply functions.

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Overview

Discover the latest market trends and uncover sources of future market growth for the Debit Transactions industry in Indonesia with research from Euromonitor's team of in-country analysts.

Find hidden opportunities in the most current research data available, understand competitive threats with our detailed market analysis, and plan your corporate strategy with our expert qualitative analysis and growth projections.

If you're in the Debit Transactions industry in Indonesia, our research will save you time and money while empowering you to make informed, profitable decisions.

The Debit Transactions in Indonesia market research report includes:

Analysis of key supply-side and demand trends
Detailed segmentation of international and local products
Historic volumes and values, company and brand market shares
Five year forecasts of market trends and market growth
Robust and transparent market research methodology, conducted in-country

Our market research reports answer questions such as:

What is the market size of Debit Transactions in Indonesia?
What are the major operators and issuers in Indonesia?
What is the current state and expected evolution of consumer payment preference?
What payment instrument offers the highest growth potential?
What strategies and positioning have consumer finance companies utilized to win in the market?

Why buy this report?

Gain competitive intelligence about market leaders
Track key industry trends, opportunities and threats
Inform your marketing, brand, strategy and market development, sales and supply functions

Euromonitor’s industry reports, including Debit Transactions in Indonesia, originate from our database within our Consumer Finance market share and market size database.

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Charge Cards in Indonesia - Category analysis

Charge Cards in Indonesia - Company Profile

HEADLINES

PROSPECTS

Limited consumer group hampers growth

Commercial credit cards bigger and stronger than personal credit cards

Poor performance expected to continue due to lack of popularity

COMPETITIVE LANDSCAPE

Bank Danamon dominates due to limited target consumer group

Sharia products have not had much impact

CATEGORY DATA

Table 1 Charge Cards: Number of Cards in Circulation 2014-2019
Table 2 Charge Cards Transactions 2014-2019
Table 3 Charge Cards in Circulation: % Growth 2014-2019
Table 4 Charge Cards Transactions: % Growth 2014-2019
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2014-2019
Table 6 Commercial Charge Cards Transactions 2014-2019
Table 7 Commercial Charge Cards in Circulation: % Growth 2014-2019
Table 8 Commercial Charge Cards Transactions: % Growth 2014-2019
Table 9 Personal Charge Cards: Number of Cards in Circulation 2014-2019
Table 10 Personal Charge Cards Transactions 2014-2019
Table 11 Personal Charge Cards in Circulation: % Growth 2014-2019
Table 12 Personal Charge Cards Transactions: % Growth 2014-2019
Table 13 Charge Cards: Number of Cards by Issuer 2014-2018
Table 14 Charge Cards: Number of Cards by Operator 2014-2018
Table 15 Charge Cards Payment Transaction Value by Issuer 2014-2018
Table 16 Charge Cards Payment Transaction Value by Operator 2014-2018
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2014-2018
Table 18 Commercial Charge Cards: Number of Cards by Operator 2014-2018
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2014-2018
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2014-2018
Table 21 Personal Charge Cards: Number of Cards by Issuer 2014-2018
Table 22 Personal Charge Cards: Number of Cards by Operator 2014-2018
Table 23 Personal Charge Cards Transaction Value by Issuer 2014-2018
Table 24 Personal Charge Cards Transaction Value by Operator 2014-2018
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2019-2024
Table 26 Forecast Charge Cards Transactions 2019-2024
Table 27 Forecast Charge Cards in Circulation: % Growth 2019-2024
Table 28 Forecast Charge Cards Transactions: % Growth 2019-2024
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2019-2024
Table 30 Forecast Commercial Charge Cards Transactions 2019-2024
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2019-2024
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2019-2024
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2019-2024
Table 34 Forecast Personal Charge Cards Transactions 2019-2024
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2019-2024
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2019-2024

Credit Cards in Indonesia - Category analysis

Credit Cards in Indonesia - Company Profile

HEADLINES

PROSPECTS

Government regulation hampers growth

E-commerce maintains growth in credit cards

Consumer eligibility for cards remains low, and infrastructure needs expanding

COMPETITIVE LANDSCAPE

Focus on travel and dining as these are high-value areas

GPN will lead foreign players to adopt new strategies

Digital credit cards emerge, issued by fintechs

CATEGORY DATA

Table 37 Credit Cards: Number of Cards in Circulation 2014-2019
Table 38 Credit Cards Transactions 2014-2019
Table 39 Credit Cards in Circulation: % Growth 2014-2019
Table 40 Credit Cards Transactions: % Growth 2014-2019
Table 41 Commercial Credit Cards: Number of Cards in Circulation 2014-2019
Table 42 Commercial Credit Cards Transactions 2014-2019
Table 43 Commercial Credit Cards in Circulation: % Growth 2014-2019
Table 44 Commercial Credit Cards Transactions: % Growth 2014-2019
Table 45 Personal Credit Cards: Number of Cards in Circulation 2014-2019
Table 46 Personal Credit Cards Transactions 2014-2019
Table 47 Personal Credit Cards in Circulation: % Growth 2014-2019
Table 48 Personal Credit Cards Transactions: % Growth 2014-2019
Table 49 Credit Cards: Number of Cards by Issuer 2014-2018
Table 50 Credit Cards: Number of Cards by Operator 2014-2018
Table 51 Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 52 Credit Cards Payment Transaction Value by Operator 2014-2018
Table 53 Commercial Credit Cards: Number of Cards by Issuer 2014-2018
Table 54 Commercial Credit Cards: Number of Cards by Operator 2014-2018
Table 55 Commercial Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 56 Commercial Credit Cards Payment Transaction Value by Operator 2014-2018
Table 57 Personal Credit Cards: Number of Cards by Issuer 2014-2018
Table 58 Personal Credit Cards: Number of Cards by Operator 2014-2018
Table 59 Personal Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 60 Personal Credit Cards Payment Transaction Value by Operator 2014-2018
Table 61 Forecast Credit Cards: Number of Cards in Circulation 2019-2024
Table 62 Forecast Credit Cards Transactions 2019-2024
Table 63 Forecast Credit Cards in Circulation: % Growth 2019-2024
Table 64 Forecast Credit Cards Transactions: % Growth 2019-2024
Table 65 Forecast Commercial Credit Cards: Number of Cards in Circulation 2019-2024
Table 66 Forecast Commercial Credit Cards Transactions 2019-2024
Table 67 Forecast Commercial Credit Cards in Circulation: % Growth 2019-2024
Table 68 Forecast Commercial Credit Cards Transactions: % Growth 2019-2024
Table 69 Forecast Personal Credit Cards: Number of Cards in Circulation 2019-2024
Table 70 Forecast Personal Credit Cards Transactions 2019-2024
Table 71 Forecast Personal Credit Cards in Circulation: % Growth 2019-2024
Table 72 Forecast Personal Credit Cards Transactions: % Growth 2019-2024

Debit Cards in Indonesia - Category analysis

Debit Cards in Indonesia - Company Profile

HEADLINES

PROSPECTS

Debit cards sees a positive performance due to greater convenience

E-wallets hamper growth in debit cards

Healthy growth will continue due to convenience and improved security

COMPETITIVE LANDSCAPE

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

Foreign principals will need to work with domestic institutions and adapt

Assessing consumers’ needs to increase debit transactions

CATEGORY DATA

Table 73 Debit Cards: Number of Cards in Circulation 2014-2019
Table 74 Debit Cards Transactions 2014-2019
Table 75 Debit Cards in Circulation: % Growth 2014-2019
Table 76 Debit Cards Transactions: % Growth 2014-2019
Table 77 Debit Cards: Number of Cards by Issuer 2014-2018
Table 78 Debit Cards: Number of Cards by Operator 2014-2018
Table 79 Debit Cards Payment Transaction Value by Issuer 2014-2018
Table 80 Debit Cards Payment Transaction Value by Operator 2014-2018
Table 81 Forecast Debit Cards: Number of Cards in Circulation 2019-2024
Table 82 Forecast Debit Cards Transactions 2019-2024
Table 83 Forecast Debit Cards in Circulation: % Growth 2019-2024
Table 84 Forecast Debit Cards Transactions: % Growth 2019-2024

Pre-Paid Cards in Indonesia - Category analysis

Pre-Paid Cards in Indonesia - Company Profile

HEADLINES

PROSPECTS

Road tolls and shopping centres contribute to growth

Better top-up facilities needed for pre-paid cards

Move towards a cashless society expected to boost pre-paid cards

COMPETITIVE LANDSCAPE

Mandiri E-money promoted and increasingly popular

Bank Central Asia follows, offering dual-function cards

Growth higher in the Lebaran season, but rising competition from e-wallets

CATEGORY DATA

Table 85 Pre-paid Cards: Number of Cards in Circulation 2014-2019
Table 86 Pre-paid Cards Transactions 2014-2019
Table 87 Pre-paid Cards in Circulation: % Growth 2014-2019
Table 88 Pre-paid Cards Transactions: % Growth 2014-2019
Table 89 Closed Loop Pre-paid Cards Transactions 2014-2019
Table 90 Closed Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 91 Open Loop Pre-paid Cards Transactions 2014-2019
Table 92 Open Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 93 Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 94 Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 95 Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 96 Pre-paid Cards Transaction Value by Operator 2014-2018
Table 97 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 98 Closed Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 99 Closed Loop Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 100 Closed Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 101 Open Loop Pre-paid Cards: Number of Cards by Issuer 2014-2018
Table 102 Open Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 103 Open Loop Pre-paid Cards Transaction Value by Issuer 2014-2018
Table 104 Open Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 105 Forecast Pre-paid Cards: Number of Cards in Circulation 2019-2024
Table 106 Forecast Pre-paid Cards Transactions 2019-2024
Table 107 Forecast Pre-paid Cards in Circulation: % Growth 2019-2024
Table 108 Forecast Pre-paid Cards Transactions: % Growth 2019-2024
Table 109 Forecast Closed Loop Pre-paid Cards Transactions 2019-2024
Table 110 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2019-2024
Table 111 Forecast Open Loop Pre-paid Cards Transactions 2019-2024
Table 112 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2019-2024

Store Cards in Indonesia - Category analysis

Store Cards in Indonesia - Company Profile

PROSPECTS

Financial Cards and Payments in Indonesia - Industry Overview

EXECUTIVE SUMMARY

Strong growth due to the government’s push towards a cashless society

GPN aims to extend public acceptance of debit and credit transactions

Despite the growth of digital solutions, card payments are increasingly popular

Changes likely in the competitive landscape due to GPN

Dynamic growth expected, boosted by GPN and meeting consumers’ needs

MARKET INDICATORS

Table 113 Number of POS Terminals: Units 2014-2019
Table 114 Number of ATMs: Units 2014-2019
Table 115 Value Lost to Fraud 2014-2019
Table 116 Card Expenditure by Location 2019
Table 117 Financial Cards in Circulation by Type: % Number of Cards 2014-2019
Table 118 Domestic versus Foreign Spend 2019

MARKET DATA

Table 119 Financial Cards by Category: Number of Cards in Circulation 2014-2019
Table 120 Financial Cards by Category: Number of Accounts 2014-2019
Table 121 Financial Cards Transactions by Category: Value 2014-2019
Table 122 Financial Cards by Category: Number of Transactions 2014-2019
Table 123 Consumer Payments by Category: Value 2014-2019
Table 124 Consumer Payments by Category: Number of Transactions 2014-2019
Table 125 M-Commerce by Category: Value 2014-2019
Table 126 M-Commerce by Category: % Value Growth 2014-2019
Table 127 Financial Cards: Number of Cards by Issuer 2014-2018
Table 128 Financial Cards: Number of Cards by Operator 2014-2018
Table 129 Financial Cards: Card Payment Transactions Value by Operator 2014-2018
Table 130 Financial Cards: Card Payment Transactions Value by Issuer 2014-2018
Table 131 Forecast Financial Cards by Category: Number of Cards in Circulation 2019-2024
Table 132 Forecast Financial Cards by Category: Number of Accounts 2019-2024
Table 133 Forecast Financial Cards Transactions by Category: Value 2019-2024
Table 134 Forecast Financial Cards by Category: Number of Transactions 2019-2024
Table 135 Forecast Consumer Payments by Category: Value 2019-2024
Table 136 Forecast Consumer Payments by Category: Number of Transactions 2019-2024
Table 137 Forecast M-Commerce by Category: Value 2019-2024
Table 138 Forecast M-Commerce by Category: % Value Growth 2019-2024

Megatrends

Country Report

Debit Cards in Indonesia

New Report Guarantee

Executive Summary

New Report Guarantee

PROSPECTS

Debit cards sees a positive performance due to greater convenience

E-wallets hamper growth in debit cards

Healthy growth will continue due to convenience and improved security

COMPETITIVE LANDSCAPE

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

Foreign principals will need to work with domestic institutions and adapt

Assessing consumers’ needs to increase debit transactions

Overview

Why buy this report?

SAMPLES

Delivery Method

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

Limited consumer group hampers growth

Commercial credit cards bigger and stronger than personal credit cards

Poor performance expected to continue due to lack of popularity

COMPETITIVE LANDSCAPE

Bank Danamon dominates due to limited target consumer group

Sharia products have not had much impact

CATEGORY DATA

Credit Cards in Indonesia - Category analysis

Credit Cards in Indonesia - Company Profile

HEADLINES

PROSPECTS

Government regulation hampers growth

E-commerce maintains growth in credit cards

Consumer eligibility for cards remains low, and infrastructure needs expanding

COMPETITIVE LANDSCAPE

Focus on travel and dining as these are high-value areas

GPN will lead foreign players to adopt new strategies

Digital credit cards emerge, issued by fintechs

CATEGORY DATA

Debit Cards in Indonesia - Category analysis

Debit Cards in Indonesia - Company Profile

HEADLINES

PROSPECTS

Debit cards sees a positive performance due to greater convenience

E-wallets hamper growth in debit cards

Healthy growth will continue due to convenience and improved security

COMPETITIVE LANDSCAPE

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

Foreign principals will need to work with domestic institutions and adapt

Assessing consumers’ needs to increase debit transactions

CATEGORY DATA

Pre-Paid Cards in Indonesia - Category analysis

Pre-Paid Cards in Indonesia - Company Profile

HEADLINES

PROSPECTS

Road tolls and shopping centres contribute to growth

Better top-up facilities needed for pre-paid cards

Move towards a cashless society expected to boost pre-paid cards

COMPETITIVE LANDSCAPE

Mandiri E-money promoted and increasingly popular

Bank Central Asia follows, offering dual-function cards

Growth higher in the Lebaran season, but rising competition from e-wallets

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

Strong growth due to the government’s push towards a cashless society

GPN aims to extend public acceptance of debit and credit transactions

Despite the growth of digital solutions, card payments are increasingly popular

Changes likely in the competitive landscape due to GPN

Dynamic growth expected, boosted by GPN and meeting consumers’ needs

MARKET INDICATORS