Indonesia: digital payments market penetration rate by segment 2028

In 2023, the penetration rate of digital commerce industry in Indonesia reached about 45.5 percent. The digital payments industry in Indonesia consists of two leading segments that are estimated to have a penetration rate ranging between 23.92 percent (mobile POS payments) and 69.58 percent (digital commerce) in 2028.

Penetration rate of digital payments market in Indonesia from 2017 to 2022, with forecasts to 2028, by segment

Characteristic	Digital Commerce	Mobile POS Payments
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Supplementary notes

*Forecast.

All figures are estimates. A detailed methodology can be found in the Statista Digital Market Outlook.

includes the online processed payment transactions, mobile pos payments processed via smart devices at point of sale, digital consumer commerce transactions (e.g., credit card, online payment providers), online cross-border payments and remittance sending, money transfers processed by online-pure players (e.g., transferwise), and transaction value equals money transfers out of the selected region.

excludes the mpos solutions (dongle payments) for card payments or mobile card readers, business to business payments, electronic banking (e-banking), provision fees from payment providers, payments via social networks, domestic payments and bill splitting services, cross-border payments via traditional service providers (banks, post offices & western union, moneygram).

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