E-money Spending Value Exceeds ATM and Credit Card Spending

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Viva Budy Kusnandar 15/11/2024 15:04 WIB

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The value of transactions using electronic money in Indonesia exceeded that of ATM and credit cards during May-August 2024.

Value of Transactions for Purchases Using ATM/Debit Cards, Credit Cards, and Electronic Money in Indonesia (January 2019-August 2024)

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Value of Transactions for Purchases Using ATM/Debit Cards, Credit Cards, and Electronic Money in Indonesia (January 2019-August 2024)

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The popularity of electronic money or *e-money* in Indonesia continues to grow, rivaling ATM/debit and credit cards.

This is reflected in the higher value of transactions using *e-money*, reaching Rp55.74 trillion in August 2024. Meanwhile, ATM/debit card transactions totaled Rp43.38 trillion, and credit card transactions reached Rp36.48 trillion.

This trend has been observed over the past four months (May-August 2024). Previously, ATM/debit cards dominated card-based payment transactions (APMK), as shown in the graph.

In addition to having the highest transaction value, electronic money also shows the fastest growth.

From January to August 2024, the value of *e-money* transactions reached Rp372.91 trillion, a 27.65% year-on-year (yoy) increase compared to the same period last year.

Credit card transactions from January to August 2024 grew by 7.32% (yoy) to Rp279.04 trillion.

Meanwhile, ATM/debit card transactions from January to August 2024 decreased by 7.48% (yoy) to Rp356.07 trillion.

Here's a breakdown of the volume of electronic money and APMK transactions from January to August 2024:

* Electronic money: 6.29 billion transactions
* ATM/debit cards: 0.86 billion transactions
* Credit cards: 0.29 billion transactions

Editor : Adi Ahdiat

"Disclosure: This is an AI-generated translation of the original article. We strive for accuracy, but please note that automated translations may contain errors or slight inconsistencies."

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E-money Spending Value Exceeds ATM and Credit Card Spending

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E-money Spending Value Exceeds ATM and Credit Card Spending

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Gianyar Regency Government's Regional Revenue Realization as of December 2025

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