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PROSPECTS AND OPPORTUNITIES
Saturation may curb stronger growth
In the forecast period, it is estimated that the number of pre-paid cards in circulation will continue to rise though growth will keep on slowing down. The increase in the number of open loop pre-paid cards, which are mostly used on toll roads, will be an important contributor, as the government is continuing with the construction of toll roads in areas that so far do not have toll access, for example in Jogjakarta and Sumatra.
Open loop transactions will rise in both value and volume terms, while impact of MLFF unlikely to be felt in the short-term
During the forecast period, it is expected that open loop pre-paid transactions, in both value and volume terms, will continue to grow positively with various new toll road inaugurations. Further, more and more malls and offices will require payments using open-loop pre-paid cards and not cash.
Spending will increase, though digital wallets present challenge for overall category
Spending per transaction within the pre-paid cards category will continue to rise throughout the forecast period, supported by annually increased toll rates and increases in parking and transportation rates. In terms of promotions, unlike the debit cards and credit card categories which consistently continue to offer new and various promotional incentives, pre-paid cards is relatively inactive and only offers discount promotions at certain times, such as during the Eid homecoming period, when toll discount rates apply for specific dates.
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Overview:
Understand the latest market trends and future growth opportunities for the Pre-Paid Card Transactions industry in Indonesia with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.
Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.
If you're in the Pre-Paid Card Transactions industry in Indonesia, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.
The Pre-Paid Card Transactions in Indonesia report includes:
- Analysis of key supply-side and demand trends
- Detailed segmentation of international and local products
- Historic volume and value sizes, company and brand market shares
- Five year forecasts of market trends and market growth
- Robust and transparent research methodology, conducted in-country
This report answers:
- What is the market size of Pre-Paid Card Transactions in Indonesia?
- What are the major trends key to understanding Pre-Paid Card Transactions in Indonesia?
- How has COVID-19, recession and macroeconomic volatility impacted the market?
- How long will the market take to recover? What are the opportunities now?
- How will political context and shifting cultural values shape future growth?
- Where is future growth expected to be most dynamic?
Charge Cards in Indonesia - Category analysis
Charge Cards in Indonesia - Company Profile
KEY DATA FINDINGS
Charge cards sees growth driven by greater AMEX acceptance in 2024
Stagnation threatens to set in
Local consumers perceive charge card ownership as evidence of high social status
Growth potential hindered by exclusivity
Digitalisation to shape development
While low interest rates remain attractive, fintech threatens future viability of charge cards in Indonesia
Table 1 Charge Cards: Number of Cards in Circulation 2019-2024
Table 2 Charge Cards Transactions 2019-2024
Table 3 Charge Cards in Circulation: % Growth 2019-2024
Table 4 Charge Cards Transactions: % Growth 2019-2024
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2019-2024
Table 6 Commercial Charge Cards Transactions 2019-2024
Table 7 Commercial Charge Cards in Circulation: % Growth 2019-2024
Table 8 Commercial Charge Cards Transactions: % Growth 2019-2024
Table 9 Personal Charge Cards: Number of Cards in Circulation 2019-2024
Table 10 Personal Charge Cards Transactions 2019-2024
Table 11 Personal Charge Cards in Circulation: % Growth 2019-2024
Table 12 Personal Charge Cards Transactions: % Growth 2019-2024
Table 13 Charge Cards: Number of Cards by Issuer 2019-2023
Table 14 Charge Cards: Number of Cards by Operator 2019-2023
Table 15 Charge Cards Payment Transaction Value by Issuer 2019-2023
Table 16 Charge Cards Payment Transaction Value by Operator 2019-2023
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2019-2023
Table 18 Commercial Charge Cards: Number of Cards by Operator 2019-2023
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2019-2023
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2019-2023
Table 21 Personal Charge Cards: Number of Cards by Issuer 2019-2023
Table 22 Personal Charge Cards: Number of Cards by Operator 2019-2023
Table 23 Personal Charge Cards Transaction Value by Issuer 2019-2023
Table 24 Personal Charge Cards Transaction Value by Operator 2019-2023
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2024-2029
Table 26 Forecast Charge Cards Transactions 2024-2029
Table 27 Forecast Charge Cards in Circulation: % Growth 2024-2029
Table 28 Forecast Charge Cards Transactions: % Growth 2024-2029
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2024-2029
Table 30 Forecast Commercial Charge Cards Transactions 2024-2029
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2024-2029
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2024-2029
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2024-2029
Table 34 Forecast Personal Charge Cards Transactions 2024-2029
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2024-2029
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2024-2029
Credit Cards in Indonesia - Category analysis
Credit Cards in Indonesia - Company Profile
KEY DATA FINDINGS
Positive trend continues for credit cards in 2024
Bank Central Asia maintains overall leadership, while Mandiri benefits from digitalisation
Millennials and Gen Z support transactions growth, while digitalisation accelerates
Bright future forecast for credit cards in Indonesia
Banks remain optimistic that business will grow
Greater investment in innovation and promotions expected
Table 37 Credit Cards: Number of Cards in Circulation 2019-2024
Table 38 Credit Cards Transactions 2019-2024
Table 39 Credit Cards in Circulation: % Growth 2019-2024
Table 40 Credit Cards Transactions: % Growth 2019-2024
Table 41 Commercial Credit Cards: Number of Cards in Circulation 2019-2024
Table 42 Commercial Credit Cards Transactions 2019-2024
Table 43 Commercial Credit Cards in Circulation: % Growth 2019-2024
Table 44 Commercial Credit Cards Transactions: % Growth 2019-2024
Table 45 Personal Credit Cards: Number of Cards in Circulation 2019-2024
Table 46 Personal Credit Cards Transactions 2019-2024
Table 47 Personal Credit Cards in Circulation: % Growth 2019-2024
Table 48 Personal Credit Cards Transactions: % Growth 2019-2024
Table 49 Credit Cards: Number of Cards by Issuer 2019-2023
Table 50 Credit Cards: Number of Cards by Operator 2019-2023
Table 51 Credit Cards Payment Transaction Value by Issuer 2019-2023
Table 52 Credit Cards Payment Transaction Value by Operator 2019-2023
Table 53 Commercial Credit Cards: Number of Cards by Issuer 2019-2023
Table 54 Commercial Credit Cards: Number of Cards by Operator 2019-2023
Table 55 Commercial Credit Cards Payment Transaction Value by Issuer 2019-2023
Table 56 Commercial Credit Cards Payment Transaction Value by Operator 2019-2023
Table 57 Personal Credit Cards: Number of Cards by Issuer 2019-2023
Table 58 Personal Credit Cards: Number of Cards by Operator 2019-2023
Table 59 Personal Credit Cards Payment Transaction Value by Issuer 2019-2023
Table 60 Personal Credit Cards Payment Transaction Value by Operator 2019-2023
Table 61 Forecast Credit Cards: Number of Cards in Circulation 2024-2029
Table 62 Forecast Credit Cards Transactions 2024-2029
Table 63 Forecast Credit Cards in Circulation: % Growth 2024-2029
Table 64 Forecast Credit Cards Transactions: % Growth 2024-2029
Table 65 Forecast Commercial Credit Cards: Number of Cards in Circulation 2024-2029
Table 66 Forecast Commercial Credit Cards Transactions 2024-2029
Table 67 Forecast Commercial Credit Cards in Circulation: % Growth 2024-2029
Table 68 Forecast Commercial Credit Cards Transactions: % Growth 2024-2029
Table 69 Forecast Personal Credit Cards: Number of Cards in Circulation 2024-2029
Table 70 Forecast Personal Credit Cards Transactions 2024-2029
Table 71 Forecast Personal Credit Cards in Circulation: % Growth 2024-2029
Table 72 Forecast Personal Credit Cards Transactions: % Growth 2024-2029
Debit Cards in Indonesia - Category analysis
Debit Cards in Indonesia - Company Profile
KEY DATA FINDINGS
Debit cards declines in 2024 as digitalisation progresses
Number of cards sees positive though slowed growth in 2024
Digital debit cards expand, while GPN threatens stronghold of established players
Cards in circulation to see growth continue to slow
Transaction volume and value likely to keep on falling
Digitalisation trend to shape category’s future progress
Table 73 Debit Cards: Number of Cards in Circulation 2019-2024
Table 74 Debit Cards Transactions 2019-2024
Table 75 Debit Cards in Circulation: % Growth 2019-2024
Table 76 Debit Cards Transactions: % Growth 2019-2024
Table 77 Debit Cards: Number of Cards by Issuer 2019-2023
Table 78 Debit Cards: Number of Cards by Operator 2019-2023
Table 79 Debit Cards Payment Transaction Value by Issuer 2019-2023
Table 80 Debit Cards Payment Transaction Value by Operator 2019-2023
Table 81 Forecast Debit Cards: Number of Cards in Circulation 2024-2029
Table 82 Forecast Debit Cards Transactions 2024-2029
Table 83 Forecast Debit Cards in Circulation: % Growth 2024-2029
Table 84 Forecast Debit Cards Transactions: % Growth 2024-2029
Pre-Paid Cards in Indonesia - Category analysis
Pre-Paid Cards in Indonesia - Company Profile
KEY DATA FINDINGS
Positive but slowed growth for pre-paid cards in 2024
Mandiri continues to invest in business and GNNT
Closed loop rises, driven by Kartu Multi Trip
Saturation may curb stronger growth
Open loop transactions will rise in both value and volume terms, while impact of MLFF unlikely to be felt in the short-term
Spending will increase, though digital wallets present challenge for overall category
Table 85 Pre-paid Cards: Number of Cards in Circulation 2019-2024
Table 86 Pre-paid Cards Transactions 2019-2024
Table 87 Pre-paid Cards in Circulation: % Growth 2019-2024
Table 88 Pre-paid Cards Transactions: % Growth 2019-2024
Table 89 Closed Loop Pre-paid Cards Transactions 2019-2024
Table 90 Closed Loop Pre-paid Cards Transactions: % Growth 2019-2024
Table 91 Open Loop Pre-paid Cards Transactions 2019-2024
Table 92 Open Loop Pre-paid Cards Transactions: % Growth 2019-2024
Table 93 Pre-paid Cards: Number of Cards by Issuer 2019-2023
Table 94 Pre-paid Cards: Number of Cards by Operator 2019-2023
Table 95 Pre-paid Cards Transaction Value by Issuer 2019-2023
Table 96 Pre-paid Cards Transaction Value by Operator 2019-2023
Table 97 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2019-2023
Table 98 Closed Loop Pre-paid Cards: Number of Cards by Operator 2019-2023
Table 99 Closed Loop Pre-paid Cards Transaction Value by Issuer 2019-2023
Table 100 Closed Loop Pre-paid Cards Transaction Value by Operator 2019-2023
Table 101 Open Loop Pre-paid Cards: Number of Cards by Issuer 2019-2023
Table 102 Open Loop Pre-paid Cards: Number of Cards by Operator 2019-2023
Table 103 Open Loop Pre-paid Cards Transaction Value by Issuer 2019-2023
Table 104 Open Loop Pre-paid Cards Transaction Value by Operator 2019-2023
Table 105 Forecast Pre-paid Cards: Number of Cards in Circulation 2024-2029
Table 106 Forecast Pre-paid Cards Transactions 2024-2029
Table 107 Forecast Pre-paid Cards in Circulation: % Growth 2024-2029
Table 108 Forecast Pre-paid Cards Transactions: % Growth 2024-2029
Table 109 Forecast Closed Loop Pre-paid Cards Transactions 2024-2029
Table 110 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2024-2029
Table 111 Forecast Open Loop Pre-paid Cards Transactions 2024-2029
Table 112 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2024-2029
Financial Cards and Payments in Indonesia - Industry Overview
Financial cards and payments in 2024: The big picture
2024 key trends
Competitive landscape
What next for financial cards and payments?
Table 113 Number of POS Terminals: Units 2019-2024
Table 114 Number of ATMs: Units 2019-2024
Table 115 Value Lost to Fraud 2019-2024
Table 116 Card Expenditure by Location 2024
Table 117 Financial Cards in Circulation by Type: % Number of Cards 2019-2024
Table 118 Domestic versus Foreign Spend 2024
Table 119 Financial Cards by Category: Number of Cards in Circulation 2019-2024
Table 120 Financial Cards by Category: Number of Accounts 2019-2024
Table 121 Financial Cards Transactions by Category: Value 2019-2024
Table 122 Financial Cards by Category: Number of Transactions 2019-2024
Table 123 Consumer Payments by Category: Value 2019-2024
Table 124 Consumer Payments by Category: Number of Transactions 2019-2024
Table 125 M-Commerce by Category: Value 2019-2024
Table 126 M-Commerce by Category: % Value Growth 2019-2024
Table 127 Financial Cards: Number of Cards by Issuer 2019-2023
Table 128 Financial Cards: Number of Cards by Operator 2019-2023
Table 129 Financial Cards: Card Payment Transactions Value by Operator 2019-2023
Table 130 Financial Cards: Card Payment Transactions Value by Issuer 2019-2023
Table 131 Forecast Financial Cards by Category: Number of Cards in Circulation 2024-2029
Table 132 Forecast Financial Cards by Category: Number of Accounts 2024-2029
Table 133 Forecast Financial Cards Transactions by Category: Value 2024-2029
Table 134 Forecast Financial Cards by Category: Number of Transactions 2024-2029
Table 135 Forecast Consumer Payments by Category: Value 2024-2029
Table 136 Forecast Consumer Payments by Category: Number of Transactions 2024-2029
Table 137 Forecast M-Commerce by Category: Value 2024-2029
Table 138 Forecast M-Commerce by Category: % Value Growth 2024-2029
DISCLAIMER
Summary 1 Research Sources
The following categories and subcategories are included:
Pre-Paid Card Transactions
- Closed Loop Pre-Paid Card Transactions
- Open Loop Pre-Paid Card Transactions
Pre-Paid Card Transactions
A card paid for at point of sale, and permitting the bearer to buy goods or services usually of a particular type up to the pre-paid value. These cards acts as an alternative to cash. The card can be disposable or re-loadable.
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This report originates from Passport, our Pre-Paid Card Transactions research and analysis database.
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