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封面
市场调查报告书
商品编码
1780276

印尼的行动电子钱包市场，类别，科技，各终端用户，各地区，机会，预测，2018年～2032年

Indonesia Mobile Wallet Market Assessment, By Type, By Technology, By End-user, By Region, Opportunities and Forecast, 2018-2032F
出版日期: | 出版商: Markets & Data | 英文 105 Pages | 商品交期: 3-5个工作天内

价格

预计印尼行动钱包市场规模将从 2024 年的 2.972 亿美元增长至 2032 年的 10.5941 亿美元，在 2025-2032 年预测期内的复合年增长率为 17.22%。这得益于高智慧型手机普及率、政府支持、超级应用的兴起以及蓬勃发展的电商市场。印尼的行动钱包市场正在改写该国的支付格局。曾经依赖现金且支付方式分散的印尼，如今正迅速采用基于应用的金融服务，这得益于智慧型手机普及率的提升、电商渗透率的提高以及政府主导的金融包容性建设。

这场变革始于叫车巨头提供数位支付功能。随后，超级应用程式应运而生。如今，行动钱包不仅用于支付帐单，还可用于分摊午餐帐单、投资共同基金、储值行动数据，甚至存取BNPL服务。随着超过2亿网路用户和庞大且数位化优先的年轻族群的崛起，行动钱包正逐渐融入日常商业活动。

雅加达、泗水和万隆等城市地区的行动钱包使用率正在成长。然而，由于金融科技公司、本地银行、代理网路和QRIS（印尼国家二维码标准）之间的合作，农村地区的行动钱包使用率也迅速提升。由此形成了一个充满活力的支付生态系统，其中，忠诚度、返现、便利性和覆盖范围是关键的竞争驱动力。

例如，根据安塔拉报道，印尼央行（BI）于2025年5月宣布，自2025年8月17日起，印尼民众将能够使用印尼快速回应码标准（QRIS）在日本和中国进行支付。印尼央行和日本支付机构已就关键技术步骤达成一致，日本推广的准备工作正在顺利推进。沙盒测试计划于五月中旬开始，并计划于印尼独立日正式发布。

目录

第1章 计划的范围和定义

第2章 调查手法

第3章 摘要整理

第4章 顾客的迴响

  • 受访者的人口统计
  • 行动电子钱包的认知度
  • 行动电子钱包期待的主要功能
  • 主要的促进因素与采用

第5章 印尼的行动电子钱包市场展望，2018年～2032年

  • 市场规模分析与预测
    • 各金额
  • 市场占有率分析与预测
    • 类别
      • 接近手机付款
      • 手机远程支付
      • P2P传输
    • 科技
      • 近距离无线通讯
      • QR编码
      • 磁安全变速箱
      • 其他
    • 各终端用户
      • 个人
      • 企业
    • 各州
      • 西爪哇
      • 东爪哇
      • 中部爪哇
      • 北苏门答腊
    • 各企业市场占有率分析(前五名公司以及其他- 各金额，2024年)
  • 2024年市场地图分析
    • 类别
    • 科技
    • 各终端用户
    • 各地区

第6章 需求供给分析

第7章 价值链分析

第8章 波特的五力分析

第9章 大环境分析

第10章 市场动态

  • 推动市场要素
  • 市场课题

第11章 市场趋势与发展

第12章 收益模式分析(最大努力原则)

第13章 案例研究

第14章 竞争情形

  • 前五名市场领导公司的竞争矩阵
  • 前五名企业的SWOT分析
  • 前10名市场主要企业的形势
    • PT Visionet Internasional(OVO)
      • 公司概要
      • 主要经营团队
      • 产品和服务
      • 财务状况(报告那样)
      • 主要市场的着重和地理存在感
      • 最近的趋势/合作/伙伴关係/合併和收购
    • PT Fintek Karya Nusantara(LinkAja)
    • PT Espay Debit Indonesia Koe(Dana)
    • PT Aplikasi Karya Anak Bangsa(GoPay)
    • Sea Group(ShopeePay)
    • Grab Indonesia(GrabPay)
    • PT Telekomsel(TCASH/LinkAja heritage)
    • BCA Digital(Blu/Jenius digital wallet)
    • PT Bank Rakyat Indonesia(BRI LinkePay)
    • PT Bank Central Asia(BCA Pay)

以上公司非基于市场占有率排序，并且可能会根据研究过程中可用的信息而变化。

第15章 策略性建议

第16章 关于调查公司·免责声明

Product Code: MX13822

Indonesia mobile wallet market is projected to witness a CAGR of 17.22% during the forecast period 2025-2032, growing from USD 297.20 million in 2024 to USD 1,059.41 million in 2032F, owing to high smartphone penetration, government support, rising super apps, and e-commerce boom. Indonesia mobile wallet market is rewriting the nation's payment narrative. Once cash-reliant and fragmented, the archipelago is now rapidly adopting app-based financial services, driven by a smartphone-savvy population, rising e-commerce penetration, and government-led efforts to promote financial inclusion.

The movement began with ride-hailing giants offering digital payment features. Then came the super apps. Today, mobile wallets are not just for paying bills, they are for splitting lunch tabs, investing in mutual funds, topping up mobile data, and even accessing BNPL. With over 200 million internet users and a strong digital-first youth demographic, mobile wallets are becoming embedded in daily commerce.

Urban centers such as Jakarta, Surabaya, and Bandung lead the way in usage. However, rural penetration is growing rapidly, driven by partnerships between fintechs and local banks, agent networks, and QRIS (Indonesia's national QR standard). The result is a dynamic payments ecosystem where loyalty, cashback, convenience, and reach are key levers of competition.

For instance, in May 2025, Bank Indonesia (BI) announced that Indonesians will be able to use the Quick Response Code Indonesian Standard (QRIS) for payments in Japan and China starting August 17, 2025, according to Antara. Preparations for the Japan rollout are on track, with BI and Japanese payment authorities having agreed on key technical steps. Sandbox testing is scheduled to begin in mid-May, with the official launch planned for Indonesia's Independence Day.

Proximity Mobile Payments See Widespread Adoption in Urban Areas Aiding Market Growth

Indonesia's dense urban environments are ideal for proximity payments, whether it's tapping to pay at Alfamart or scanning a QR code at a food stall. NFC and QR technologies have made in-person, smartphone-based transactions seamless for both merchants and consumers. For instance, in May 2025, Indonesian digital wallet giant OVO took a significant step in its transformation into a comprehensive financial ecosystem with the launch of OVO Nabung, a digital savings product developed in collaboration with Superbank. This demonstrates how these giants are expanding into new systems to attract more customers.

The move reflects OVO's ambition to evolve beyond its roots in e-wallet and payment services and compete more aggressively in the rapidly advancing digital finance space. This trend indicates that physical commerce remains the king, but now it's being digitally paid for.

National Push for QRIS Drives Payment Standardization, Giving Rise to Market

QRIS is Indonesia's national QR standard, enabling interoperability across wallets and banks. Bank Indonesia's QRIS (Quick Response Code Indonesian Standard) is revolutionizing the way digital payments are scaled. By unifying QR code infrastructure across wallets and banks, QRIS allows any user to scan and pay at any registered merchant, regardless of provider. This standardization is crucial for Indonesia's vast informal economy, enabling smartphones to serve as universal wallets for both users and microbusinesses.

For instance, Bank Indonesia reports in October 2024 that QRIS transactions surged by 209.6% YoY, with 53.3 million users and 34.23 million merchants. They have also waived off the merchant discount rate (MDR) for transactions up to USD 32 (Rp 500,000) made through the Quick Response Indonesian Standard (QRIS) system since December 2024.

Dominance of Individual Consumers in Mobile Wallet Usage

While businesses are increasingly using mobile wallets for disbursements and payroll, individual consumers dominate usage in terms of both transaction volume and frequency. Wallets are used for groceries, ride-hailing services, peer-to-peer transfers, mobile top-ups, and even gaming. This trend highlights how wallets are not just financial tools, but lifestyle apps embedded in everyday routines.

For instance, in July 2023, GoTo Financial officially rolled out the GoPay app across Indonesia, making digital financial services accessible to all, including those who do not use Gojek or Tokopedia. Starting today, users in every Indonesian city can download the app on Android and iOS, gaining access to features such as up to 100 free transfers per month, discounted phone credit and bill payments, and an expense report tool for better financial planning. The new GoPay app helped individual consumers by simplifying mobile wallet usage, offering a secure and user-friendly platform that enables instant, cashless transactions and facilitates easier financial management.

Key Players Landscape and Outlook

Indonesia's mobile wallet landscape is highly competitive, with five major players, OVO, GoPay, ShopeePay, Dana, and LinkAja, vying for dominance. Each offers overlapping services, but competes on cashback offers, super app ecosystems, offline merchant networks, and bank partnerships.

ShopeePay leverages Shopee's e-commerce base for payment loyalty, while GoPay remains strong in mobility-linked use cases. OVO is focusing on loyalty programs and integrating financial services. Meanwhile, Dana has positioned itself as the digital wallet for everyday Indonesians, offering a range of services from investment access to bill splitting. Smaller players, such as BRI LinkePay and Blu by BCA, are growing through banking integration, while LinkAja continues to tap into state-linked disbursement channels. QRIS interoperability and the rise of embedded finance are reshaping competitive dynamics, favoring those who can scale beyond payments.

For example, in March 2025, tiket.com, Indonesia's first Online Travel Agent (OTA), officially entered a strategic partnership with DANA, one of the country's largest digital wallets. Through the "tiket.com DANA-in Liburanmu" program, customers can now enjoy a more practical and efficient transaction experience on a single platform, with the added option of making digital payments via DANA. This partnership not only expands payment options for tiket.com customers but also enhances transaction security and convenience with over 200 million users across Indonesia.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customers

  • 4.1. Respondent Demographics
  • 4.2. Awareness of Mobile Wallet
  • 4.3. Key Features Expected in Mobile Wallets
  • 4.4. Key Drivers and Adoption

5. Indonesia Mobile Wallet Market Outlook, 2018-2032F

  • 5.1. Market Size Analysis & Forecast
    • 5.1.1. By Value
  • 5.2. Market Share Analysis & Forecast
    • 5.2.1. By Type
      • 5.2.1.1. Proximity Mobile Payments
      • 5.2.1.2. Remote Mobile Payments
      • 5.2.1.3. Peer-to-Peer Transfers
    • 5.2.2. By Technology
      • 5.2.2.1. Near Field Communication
      • 5.2.2.2. QR Code
      • 5.2.2.3. Magnetic Secure Transmission
      • 5.2.2.4. Others
    • 5.2.3. By End-user
      • 5.2.3.1. Individual
      • 5.2.3.2. Businesses
    • 5.2.4. By Province
      • 5.2.4.1. West Java
      • 5.2.4.2. East Java
      • 5.2.4.3. Central Java
      • 5.2.4.4. North Sumatra
    • 5.2.5. By Company Market Share Analysis (Top 5 Companies and Others - By Value, 2024)
  • 5.3. Market Map Analysis, 2024
    • 5.3.1. By Type
    • 5.3.2. By Technology
    • 5.3.3. By End-user
    • 5.3.4. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Market Dynamics

  • 10.1. Market Drivers
  • 10.2. Market Challenges

11. Market Trends and Developments

12. Revenue Model Analysis (Best Effort Basis)

13. Case Studies

14. Competitive Landscape

  • 14.1. Competition Matrix of Top 5 Market Leaders
  • 14.2. SWOT Analysis for Top 5 Players
  • 14.3. Key Players Landscape for Top 10 Market Players
    • 14.3.1. PT Visionet Internasional (OVO)
      • 14.3.1.1. Company Details
      • 14.3.1.2. Key Management Personnel
      • 14.3.1.3. Products and Services
      • 14.3.1.4. Financials (As Reported)
      • 14.3.1.5. Key Market Focus and Geographical Presence
      • 14.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
    • 14.3.2. PT Fintek Karya Nusantara (LinkAja)
    • 14.3.3. PT Espay Debit Indonesia Koe (Dana)
    • 14.3.4. PT Aplikasi Karya Anak Bangsa (GoPay)
    • 14.3.5. Sea Group (ShopeePay)
    • 14.3.6. Grab Indonesia (GrabPay)
    • 14.3.7. PT Telekomsel (TCASH / LinkAja heritage)
    • 14.3.8. BCA Digital (Blu/Jenius digital wallet)
    • 14.3.9. PT Bank Rakyat Indonesia (BRI LinkePay)
    • 14.3.10. PT Bank Central Asia (BCA Pay)

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

15. Strategic Recommendations

16. About Us and Disclaimer

List of Tables

  • Table 1. Competition Matrix of Top 5 Market Leaders
  • Table 2. Mergers & Acquisitions/ Joint Ventures (If Applicable)
  • Table 3. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

  • Figure 1. Indonesia Mobile Wallet Market, By Value, In USD Million, 2018-2032F
  • Figure 2. Indonesia Mobile Wallet Market Share (%), By Type, 2018-2032F
  • Figure 3. Indonesia Mobile Wallet Market Share (%), By Technology, 2018-2032F
  • Figure 4. Indonesia Mobile Wallet Market Share (%), By End-user, 2018-2032F
  • Figure 5. Indonesia Mobile Wallet Market Share (%), By Region, 2018-2032F
  • Figure 6. By Type Map-Market Size (USD Million) & Growth Rate (%), 2024
  • Figure 7. By Technology Map-Market Size (USD Million) & Growth Rate (%), 2024
  • Figure 8. By End-user Map-Market Size (USD Million) & Growth Rate (%), 2024
  • Figure 9. By Region Map-Market Size (USD Million) & Growth Rate (%), 2024