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市場調查報告書
商品編碼
1780276

印尼的行動電子錢包市場，類別，科技，各終端用戶，各地區，機會，預測，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個工作天內

價格

預計印尼行動錢包市場規模將從 2024 年的 2.972 億美元增長至 2032 年的 10.5941 億美元，在 2025-2032 年預測期內的複合年增長率為 17.22%。這得益於高智慧型手機普及率、政府支持、超級應用的興起以及蓬勃發展的電商市場。印尼的行動錢包市場正在改寫該國的支付格局。曾經依賴現金且支付方式分散的印尼，如今正迅速採用基於應用的金融服務，這得益於智慧型手機普及率的提升、電商滲透率的提高以及政府主導的金融包容性建設。

這場變革始於叫車巨頭提供數位支付功能。隨後，超級應用程式應運而生。如今，行動錢包不僅用於支付帳單，還可用於分攤午餐帳單、投資共同基金、儲值行動數據，甚至存取BNPL服務。隨著超過2億網路用戶和龐大且數位化優先的年輕族群的崛起，行動錢包正逐漸融入日常商業活動。

雅加達、泗水和萬隆等城市地區的行動錢包使用率正在成長。然而，由於金融科技公司、本地銀行、代理網路和QRIS（印尼國家二維碼標準）之間的合作，農村地區的行動錢包使用率也迅速提升。由此形成了一個充滿活力的支付生態系統，其中，忠誠度、返現、便利性和覆蓋範圍是關鍵的競爭驅動力。

例如，根據安塔拉報道，印尼央行（BI）於2025年5月宣布，自2025年8月17日起，印尼民眾將能夠使用印尼快速回應碼標準（QRIS）在日本和中國進行支付。印尼央行和日本支付機構已就關鍵技術步驟達成一致，日本推廣的準備工作正在順利推進。沙盒測試計劃於五月中旬開始，並計劃於印尼獨立日正式發布。

目錄

第1章 計劃的範圍和定義

第2章 調查手法

第3章 摘要整理

第4章 顧客的迴響

  • 受訪者的人口統計
  • 行動電子錢包的認知度
  • 行動電子錢包期待的主要功能
  • 主要的促進因素與採用

第5章 印尼的行動電子錢包市場展望，2018年～2032年

  • 市場規模分析與預測
    • 各金額
  • 市場佔有率分析與預測
    • 類別
      • 接近手機付款
      • 手機遠程支付
      • P2P傳輸
    • 科技
      • 近距離無線通訊
      • QR編碼
      • 磁安全變速箱
      • 其他
    • 各終端用戶
      • 個人
      • 企業
    • 各州
      • 西爪哇
      • 東爪哇
      • 中部爪哇
      • 北蘇門答臘
    • 各企業市場佔有率分析(前五名公司以及其他- 各金額，2024年)
  • 2024年市場地圖分析
    • 類別
    • 科技
    • 各終端用戶
    • 各地區

第6章 需求供給分析

第7章 價值鏈分析

第8章 波特的五力分析

第9章 大環境分析

第10章 市場動態

  • 推動市場要素
  • 市場課題

第11章 市場趨勢與發展

第12章 收益模式分析(最大努力原則)

第13章 案例研究

第14章 競爭情形

  • 前五名市場領導公司的競爭矩陣
  • 前五名企業的SWOT分析
  • 前10名市場主要企業的形勢
    • PT Visionet Internasional(OVO)
      • 公司概要
      • 主要經營團隊
      • 產品和服務
      • 財務狀況(報告那樣)
      • 主要市場的著重和地理存在感
      • 最近的趨勢/合作/夥伴關係/合併和收購
    • 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)

以上公司非基於市場佔有率排序，並且可能會根據研究過程中可用的信息而變化。

第15章 策略性建議

第16章 關於調查公司·免責聲明

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