Indonesian Rupiah

ShopeePay is the in-app and online wallet of the Shopee marketplace, among the most-used wallets across Southeast Asia. Operator: Shopee / Sea Limited. Est. users: Tens of millions across SEA (2025).

Akulaku is a major Indonesian buy-now-pay-later and installment platform regulated by OJK, used at online checkout. Operator: PT Akulaku Finance Indonesia. Est. users: Several million users (2025).

Kredivo is a leading Indonesian BNPL provider supervised by OJK, offering instant installment credit at online checkout. Operator: PT FinAccel Finance Indonesia (Kredivo). Est. users: Several million users (2025).

QRIS is Indonesia's interoperable national QR standard from Bank Indonesia, accepted by all major wallets and 38M+ merchants. Operator: Bank Indonesia / ASPI (PTEN). Est. users: 56.3 million users (Q1 2025).

SPayLater is Shopee's embedded buy-now-pay-later option at checkout, the leading BNPL by users in Malaysia and large in Indonesia. Operator: Shopee / Sea Limited. Est. users: Largest BNPL share in MY (56.5%, 2025).

DANA is a major Indonesian e-wallet regulated by Bank Indonesia, used for online checkout, QRIS payments and bills. Operator: PT Espay Debit Indonesia Koe (DANA). Est. users: Tens of millions of users (2025).

GoPay is the e-wallet of the GoTo (Gojek) ecosystem, regulated by Bank Indonesia and used for online and in-app payments. Operator: PT Dompet Anak Bangsa (GoTo Group). Est. users: Tens of millions of users (2025).

LinkAja is Indonesia's state-linked e-wallet, regulated by Bank Indonesia, used for online checkout, bills and fuel payments. Operator: PT Fintek Karya Nusantara (LinkAja). Est. users: Tens of millions of users (2024).

OVO is a leading Indonesian e-wallet under Bank Indonesia, widely used at online checkout and with Grab and retail merchants. Operator: PT Visionet Internasional (OVO). Est. users: Tens of millions of users (2025).

TrueMoney is Ascend Money's multi-country Southeast Asian e-wallet, the most widely accepted wallet in Thailand. Operator: TrueMoney Co., Ltd. (Ascend Money). Est. users: 17 million+ active in Thailand (2025).

GoPayLater is the BNPL credit feature within the GoTo/Gojek ecosystem, used for installment payments at checkout. Operator: GoTo Financial / PT Mapan. Est. users: Several million users (2025).

Indodana is an Indonesian BNPL and installment lender regulated by OJK, offered as a payment option at online checkout. Operator: PT Artha Dana Teknologi (Indodana). Est. users: Over 1 million users (2025).

Maybank is Malaysia's largest bank and one of Southeast Asia's top financial groups, with a strong ASEAN franchise offering retail, SME, corporate, and Islamic banking.

Bank Mandiri is Indonesia's largest bank by assets, a state-owned institution offering retail, SME, corporate, and Sharia banking.

BRI is Indonesia's largest bank by number of customers, focusing on micro, small and medium enterprise (MSME) lending and rural banking.

BNI is Indonesia's third-largest state-owned bank, offering retail, commercial, and international banking services.

CIMB Niaga is Indonesia's fifth-largest bank, a subsidiary of CIMB Group, offering retail and corporate banking.

Aggregate of remaining banks in Indonesia, collectively ~53.6% of domestic banking assets.