Different from several other product categories where there is only one transaction in a period of several years, bill payments, such as electricity and water, are necessities that must be paid every month. Second, most bill payments are a type of recurring transaction. Starting from electricity bills, Social Security Administering Bodies (Badan Penyelenggara Jaminan Sosial or BPJS) fees, credit cards, internet data packages, tuition fees, rental and maintenance of homes/apartments, and so on. This demographic segment has the need to pay various types of bills. First, the very large number of customers, which includes almost all the population of productive age and adult age in Indonesia, which numbered more than 200 million people in 2020.

The amount of potential in this business is influenced by two things. As one of the types of transactions that people often do, the bill payment is a very potential business (dailysocial.id). Innovations in the financial services sector, driven by the development of fintech in Indonesia, have been able to promote financial inclusion, increase literacy in Indonesian society, and have a positive impact on economic conditions triggered by growth in value and volume of transaction.īill payment business also growth in volume and value of transactions. The increase in online payment transactions is a portrait of the rapidly growing financial technology (fintech) ecosystem in Indonesia. As many as 98% of DANA users use the digital payment feature (). This platform notes that users make more digital payments than direct transactions to offline merchants. Tier2 and tier 3 refer to cities with growing middle class consumers, but in terms of infrastructure, such as digital infrastructure and logistics, still developing.ĭANA has the same thing.

For example, LinkAja, which during 2020 grew by almost 65% to more than 61 million users (As many as 73% of LinkAja users are in tier 2 and tier 3 cities for transactions. So, it's no wonder that the digital payments business continues to grow. The online payment system is increasingly loved by the people of Indonesia, especially during the pandemic.

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