Finance

Premium

Trend of Shopping Using E-Money in Indonesia Strengthen until November 2025

Viva Budy Kusnandar 07/02/2026 16:16 WIB

Bagikan URL has been copied

Memuat...

The value of shopping transactions using electronic money (e-money) in Indonesia continues to increase until November 2025, far surpassing the use of ATM cards and credit cards.

The value of electronic money, ATM/debit card, and credit card transactions in Indonesia (January 2023 - November 2025)

A Small Font
A Medium Font
A Bigger Font

You are accessing content Single Data Premium.
To continue, please subscribe or buy individually.

Professional

Enjoy premium access with a more affordable price.

Start from

~~Rp300.000~~ 150.000/month

Access more premium content and exclusive features for customers.

Start from

50.000/month

Hanya Rp833 per artikel

More details »

Buy Retail

Read the article immediately “Trend of Shopping Using E-Money in Indonesia Strengthen until November 2025”.

Rp10.000

We accept the following payments:

Some payment methods are still in the process of being activated.

The value of electronic money, ATM/debit card, and credit card transactions in Indonesia (January 2023 - November 2025)

Download

Source

A Small
A Medium
A Bigger

The trend of shopping using electronic money or e-money in Indonesia is increasingly gaining momentum, surpassing the use of ATM/debit cards and credit cards.

According to data from Bank Indonesia (BI), in November 2025, the value of shopping transactions using electronic money nationwide reached Rp96.86 trillion.

This figure grew by 0.6% compared to the previous month (month-to-month/mtm), and surged by 97% compared to a year ago (year-on-year/yoy).

On the other hand, the value of shopping transactions using ATM/debit cards in November 2025 reached Rp42.32 trillion, a decrease of 0.7% (mtm), but an increase of 3% (yoy).

Then, the value of shopping transactions using credit cards in November 2025 reached Rp40.83 trillion, an increase of 0.8% (mtm) and a growth of 14% (yoy).

In fact, shopping transactions using electronic money have surpassed credit cards since the beginning of 2023, and surpassed ATM/debit cards since the middle of 2024, with the gap widening as shown in the chart.

This indicates a shift in the preference of payment methods used by the public in shopping.

Here are the number of payment instrument units (APMK) in circulation in Indonesia in November 2025:

Electronic money: 1.06 billion units
ATM/debit cards: 328.93 million units
Credit cards: 18.73 million units

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."

Related Data

Indonesia's Electronic Money Transactions Reached IDR 318 Trillion in November 2025

State Spending Reaches IDR 3,451 Trillion throughout 2025

Credit Card Transaction Value in Indonesia Increased in Q3 2025

Number of Credit Cards in Indonesia in Q3 2025 Increased Compared to Last Year

Top 5 Regions with the Highest National Spending on Beauty Products

Indonesia's Electronic Money Spending Transaction Volume Increased in Q3 2025

Latest Data Stories

Construction Cost Index of North Bolaang Mongondow Regency, North Sulawesi Reaches 93.08 Points in 2025 Property 09/02/2026, 12:41 WIB

Construction Cost Index of Raja Ampat Regency, Southwest Papua 2025 Property 09/02/2026, 12:36 WIB

FAO Index: September 2024 Food Prices Rise Economics & Macro 09/02/2026, 12:11 WIB

Indonesian Crypto App Users in 2025 are Predominantly Youth Market 09/02/2026, 12:05 WIB

Today's Antam Gold Price Drops to Rp. 1.91 Million per Gram Mining 09/02/2026, 12:00 WIB

Realization of Solok City Regional Revenue as of December 2025 Economics & Macro 09/02/2026, 11:56 WIB

Download

Source

Trend of Shopping Using E-Money in Indonesia Strengthen until November 2025

Tags

Related Data

Indonesia's Electronic Money Transactions Reached IDR 318 Trillion in November 2025

State Spending Reaches IDR 3,451 Trillion throughout 2025

Credit Card Transaction Value in Indonesia Increased in Q3 2025

Number of Credit Cards in Indonesia in Q3 2025 Increased Compared to Last Year

Top 5 Regions with the Highest National Spending on Beauty Products

Indonesia's Electronic Money Spending Transaction Volume Increased in Q3 2025

Latest Data Stories

Popular Data

Trend of Shopping Using E-Money in Indonesia Strengthen until November 2025

Tags

Related Data

Indonesia's Electronic Money Transactions Reached IDR 318 Trillion in November 2025

State Spending Reaches IDR 3,451 Trillion throughout 2025

Credit Card Transaction Value in Indonesia Increased in Q3 2025

Number of Credit Cards in Indonesia in Q3 2025 Increased Compared to Last Year

Top 5 Regions with the Highest National Spending on Beauty Products

Indonesia's Electronic Money Spending Transaction Volume Increased in Q3 2025

Latest Data Stories

Trending Topics

Popular Data