West Java, Province with the Most Online PayLater Users in 2024
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Research by the Katadata Insight Center (KIC) in collaboration with Kredivo has compiled a list of provinces with the highest number of users of *paylater* services for online transactions in Indonesia in 2024.
Of the top 10 provinces, West Java ranks first with a proportion of 34.5% of total online transaction users of this credit service. Not only for online transactions, West Java also has the highest number of *paylater* users for offline transactions, at 31%.
Second is DKI Jakarta with a proportion of 18.9% of users. In offline transactions, users in DKI Jakarta are also among the highest, at 19%.
Third is Banten, with a proportion of 11.8% of online transaction users. Offline transaction users reach 11.4%, making it the fourth highest.
Fourth and fifth are East Java and Central Java, with proportions of 11.2% and 5.9% of *paylater* users for online transactions, respectively.
Following are North Sumatra (2.8%), South Sumatra (1.9%), South Sulawesi (1.4%), Bali (1.3%), and Riau (1.1%).
This KIC research in collaboration with Kredivo covers more than 2 million Kredivo user samples across 34 Indonesian provinces, with a total transaction sample of more than 20 million.
Online transactions were conducted on the five largest marketplaces. Meanwhile, offline transactions were conducted at the seven largest retail merchants across Indonesia.
(Also read: [What Products are Frequently Purchased by PayLater Users When Shopping Online?](https://databoks.katadata.co.id/datapublish/2024/06/25/apa-produk-yang-banyak-dibeli-pengguna-paylater-saat-belanja-online))
"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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