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Home » Indonesia Report


Cards, Payments & Consumer Banking

Author: Lafferty Research

Publishing date: February 2018

A comprehensive overview of the cards, payments and consumer banking market in Indonesia.

Indonesia Research Summary Highlights

  • Financial inclusion remains a major issue in Indonesia with just over a third of adults having a bank account.
  • Of the 16 markets in Asia-Pacific covered by Lafferty Research, only the Philippines, India, Bangladesh and Pakistan have a lower average debt per household.
  • From June 2018, all electronic transactions carried out in the country must be processed domestically, through the National Payment Gateway.
  • This shift is likely to reduce the merchant service charge for off-us transactions from between two and three percent to approximately one percent.
  • Credit card penetration stands at just nine percent. Growth in the credit card base is restricted by regulation on eligibility requirements.
  • Credit card profits declined by an estimated 18 percent in 2017 as the central bank lowered the cap on APRs to 27 percent.

Available for 72 markets, Cards & Payments Research Service Country Reports deliver invaluable market and competitor intelligence on payments cards, e-money, acquiring/processing, retail banking, and consumer credit, plus the key demographic and economic trends shaping each market.

A dedicated team of analysts and researchers use both primary and secondary source data, and conduct in-depth interviews with senior industry executives and experts; each report includes over 320 metrics.


Credit Cards:
We have industry leading credit card coverage. We detail the past present and future of the industry through our data and commentary, including:

  • Market size split by consumer and commercial credit cards: number of cards, transaction volume, billed volume
  • Profit pool analysis
  • Competitive landscape: networks, issuers

Debit Cards:

  • Market size: number of cards, transaction volume, billed volume
  • Competitive landscape: networks, issuers

Prepaid Cards:

  • Market size: number of cards, transaction volume, billed volume

Merchant Acquiring

  • Competitive Landscape
  • Pricing
  • Processing Relationships

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