Living in Indonesia, I’ve witnessed the rapid evolution of mobile payment apps in Indonesia, which have become integral to everyday transactions. As we enter 2024, these digital solutions are streamlining how we shop, pay bills, and transfer money, making life more convenient for everyone.
In this article, I’ll share my top ten mobile payment apps that are reshaping the financial landscape in Indonesia. Each app brings unique features and benefits tailored to meet various needs, whether you’re a local or a visitor. Join me as we explore the best options available to enhance your payment experience in this vibrant country!
1. Dana
With just a tap of your finger, you can pay for anything. From bills to e-commerce payments to barcode scanning in stores, experience the comfort of making transactions with ease with the help of Dana, a mobile payment app. Moreover, DANA provides easy services to assist customers in making payments for services and commodities, allowing them to pay their monthly bills, as well as, buy phone data plans.
2. OVO
OVO, a digital payment service, is one of the best e-wallet apps in Indonesia. Hailing from the corporate titan Lippo group, OVO has successfully emerged as an e-wallet mobile payment app in Indonesia’s digital payment industry. Moreover, OVO is well-known and widely accepted in most sectors of the country, owing to the Lippo Group’s extensive range of economic influence in Indonesia. These sectors include restaurants, movie theaters, paying digital parking fees and many more.
3. OCTO Mobile
To promote its goal of creating a cashless society, CIMB NIAGA, one of Indonesia’s largest banks, has partnered with OCTO Mobile to provide digital flexibility to its customers. Additionally, OCTO Mobile plans to digitally provide the functions of a modern bank. Moreover, it allows customers to transfer money into their preferred e-wallet and pay for mobile data packages online. OCTO Mobile also allows users to pay bills online, including electricity and water bills.
4. Go-Pay
Go-Pay has established itself in Indonesia, leading the e-wallet sector of the country. Its growth has been fast and gradual, and Go-Pay provides several conveniences to its customers because of its integration with the multiple services offered by its parent app, Gojek. Furthermore, Go-Pay can be used for transportation payments, courier services, food-and-beverage deliveries, and more. Merchants also use this app to accept payment methods.
5. i.Saku
i.Saku has an advantage in integrating with Indoritel, a consumer focused-company in Indonesia, as it is a digital product of Salim Group. i.Saku’s users who purchase goods and services from Indomaret on a regular basis, are also rewarded. Because of the strong relationship between i.Saku and Indomaret, users of this e-wallet can take advantage of Indomaret’s promos and loyalty programs.
6. LinkAja
LinkAja has advantages in both public and private services, as it is a product that resulted from the collaboration between numerous Indonesian state-owned firms. In Indonesia, LinkAja is an interbank network. It is connected to Telkomsel, as well as, four state-owned banks. Some of LinkAja’s best features are that it offers cash withdrawal and inquiry services.
7. Gojek
Gojek, based in Jakarta, is an Indonesian on-demand multiservice platform and digital payment technology company. They follow the three Gojek principles of speed, innovation, and social impact to minimize inconveniences for consumers and create easier and convenient processes. Customers can pay bills, divide bills, and make payments using their fintech services, while also earning gopoints as part of its loyalty rewards program.
8. Sakuku
Sakuku is an electronic money service that allows you to make payments, top up your phone, and conduct other banking operations all from the comfort of your smartphone. Sakuku is particularly useful for individuals who use the services of the banking giant, BCA. Sakuku might be seen as a demonstration of BCA’s dedication to expanding its internet presence. Additionally, your user identity will be exactly same as your phone number, which is one of Sakuku’s distinctive features. Moreover, after upgrading to Plus version, you’ll be able to split bills and make cash withdrawals as well.
9. Jenius
Jenius is a digital banking service provided by PT Bank BTPN Tbk., which is regulated by and registered under OJK. Jenius allows consumers to manage their financial lives more efficiently by revamping its banking services. Moreover, it can pay bills, read detailed bank statements, make deposits, and complete all banking transactions without ever needing to visit a bank. Jenius’ most popular features are split bill, flexi cash and the e-wallet center.
10. JakOne Mobile
JakOne Mobile makes transactions simple and secure, by managing various other financial needs with its top-class mobile banking services. JakOne Mobile combines a mobile wallet with mobile banking services, allowing you to perform banking transactions, purchases, payments, and shopping using a QR code at JakOne Mobile businesses. You can also open an account using JakOne Mobile instead of visiting Bank DKI’s Office of Operations. Furthermore, its top features include Scan to Pay, Transfers, Payment, Purchase, Top Up JakOne Pay, Accounts and Cards and more.
Mobile payment apps and digital wallets have made it very easy for us to transfer money to our friends, family or business partners in very little time. Moreover, the convenience offered by them in terms of making payments and pre-ordering products or services has made these apps an integral part of our social and financial lives.
