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市場調查報告書

印尼的卡片、付款產業:新興趨勢與機會

The Cards and Payments Industry in Indonesia: Emerging trends and opportunities to 2021

出版商 GlobalData 商品編碼 290809
出版日期 內容資訊 英文 61 Pages
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印尼的卡片、付款產業:新興趨勢與機會 The Cards and Payments Industry in Indonesia: Emerging trends and opportunities to 2021
出版日期: 2017年08月02日 內容資訊: 英文 61 Pages
簡介

本報告提供印尼的卡片、付款產業調查分析、市場規模 (實際成果、預測) 、法規資訊、產業推動因素、市場分析、競爭情形等相關的系統性資訊。

第1章 定義與手法

第2章 主要資訊與活動

第3章 摘要整理

第4章 付款方式

  • 目前付款環境
  • 替代的付款方式

第5章 卡片、付款產業的法規

  • 法律規範
  • 洗錢防制 (AML)
  • 來自外國的直接投資 (FDI) 法規

第6章 卡片、付款產業的推動因素分析

  • 人口統計的推動因素
  • 經濟的推動因素
  • 基礎設施的推動因素
  • 商務的推動因素

第7章 市場區隔與新產品銷售

  • 市場區隔與對象
  • 新產品銷售

第8章 支付卡

  • 支付卡分析

第9章 轉帳卡

  • 轉帳卡市場分析

第10章 信用卡

  • 信用卡市場分析

第11章 簽帳卡

  • 簽帳卡市場分析

第12章 商務卡

  • 商務卡市場分析

第13章 卡片詐騙的統計

  • 卡片詐騙分析

第14章 發卡公司

  • Bank Rakyat Indonesia
  • Bank Central Asia
  • Bank Mandiri
  • Bank Negara Indonesia
  • Citibank Indonesia

第15章 儲值卡

  • 儲值卡市場分析

第16章 附錄

圖表

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目錄
Product Code: VR1224MR

Cash was the predominant payment instrument during the review period (2012-16), especially among the rural population, with cash accounting for 98.6% of the total volume of payments in 2016. This was primarily due to low awareness of electronic payments, a high unbanked population, and limited access to banking infrastructure. As the government and banks have taken initiatives to bring the unbanked population into the formal banking system, payment cards have gradually become more accepted. Payment card use consequently grew during the review-period at a CAGR of 13.9% in terms of volume of transactions.

Pay-later card market in Indonesia is still in the developmental phase, with penetration of only 6.8 per 100 individuals in 2016. Strict government regulation with regard to credit card eligibility remains one of the major reasons for the low penetration. Mounting card debt among consumers forced the central bank to introduce a regulation, effective since January 2015, according to which individuals with an annual income of less than $222 (IDR3m) are now eligible for just one credit card, while individuals with an annual income between $222 (IDR3m) and $740 (IDR10m) are eligible to possess credit cards from two issuers only.

Indonesian e-commerce market rose from $1.2bn (IDR16.6tn) in 2012 to $7.6bn (IDR102.9tn) in 2016. Factors affecting the growth of ecommerce include a growing young population, the increasing presence of online retailers, a broader range of payment methods, and rising customer confidence in e-commerce transactions. Growth has further been supported by strong investments from the private sector.

Traditional payment methods such as credit transfers and cards remain the preferred mode of e-commerce payments in Indonesia, collectively accounting for 66.9% of the total e-commerce transaction value in 2016. Alternative payments such as digital and mobile wallets and carrier billing are also gradually gaining prominence in Indonesia, accounting for 6.8% of the total transaction value in 2016. This is an increase from 3.1% in 2012.

The report "The Cards and Payments Industry in Indonesia: Emerging trends and opportunities to 2021" provides detailed analysis of market trends in the Indonesian cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including cash, cheques, and payment cards during the review-period (2012-16).

In particular, this report provides the following analysis -

  • Current and forecast values for each market in the Indonesian cards and payments industry, including debit, credit and charge cards.
  • Detailed insights into payment instruments including cash, cheques, and payment cards. It also, includes an overview of the country's key alternative payment instruments.
  • E-commerce market analysis and payment methods.
  • Analysis of various market drivers and regulations governing the Indonesian cards and payments industry.
  • Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.

Companies mentioned in this report: Bank Rakyat Indonesia, Bank Negara Indonesia, Bank Central Asia, Bank Mandiri, Bank Danamon, CIMB Niaga, Bank Mega, Visa, Mastercard, American Express, JCB.

Scope

  • Bank Indonesia, the country's central bank, is enhancing the security of payment systems in order to build customer confidence in payment cards. In this regard, the government has mandated the migration of all payment cards to EMV standards by December 31, 2021. Similarly, as of July 1, 2017 the central bank has mandated the adoption of six-digit PINs for debit and ATM cards, instead of four-digit PINs.
  • Up until February 2016, the e-commerce market was in the government's "Negative Investment" list - and thereby foreign investors were not allowed to invest in local companies or set up a business. To boost investment in the domestic e-commerce market, the government introduced a new foreign direct investment policy in February 2016 allowing 100% foreign ownership of e-commerce companies for investments over $7.4m (IDR100bn), while for investments between $740,000 (IDR10bn) and $7.4m (IDR100bn), foreign ownership was capped at 49%. However, the former regulation was later revised in May 2016 to limit foreign ownership up to 49% in e-commerce companies.
  • Consumers in Indonesia are gradually adopting contactless payments. Consequently, Visa launched its contactless service Visa payWave in Indonesia in September 2016. This service enables Visa card holders to make contactless transactions without a PIN for transactions below $74.0 (IDR1m). Following this, Bank CIMB Niaga, Bank Tabungan Pensiunan Negara, UOB Indonesia, and Bank Mandiri adopted this technology.

Reasons to buy

  • Make strategic business decisions, using top-level historic and forecast market data, related to the Indonesian cards and payments industry and each market within it.
  • Understand the key market trends and growth opportunities in the Indonesian cards and payments industry.
  • Assess the competitive dynamics in the Indonesian cards and payments industry.
  • Gain insights into marketing strategies used for various card types in Indonesia.
  • Gain insights into key regulations governing the Indonesian cards and payments industry.

Table of Contents

Table of Contents

  • EXECUTIVE SUMMARY 2
  • 1.1. Market overview 2
  • 1.3. Key facts 4
  • 1.4. Top five industry events 5
  • 2. PAYMENT INSTRUMENTS 11
  • 2.1. Current payment environment 11
  • 3. E-COMMERCE AND ALTERNATIVE PAYMENTS 13
  • 3.1. E-commerce market analysis 13
  • 3.3. Alternative payment solutions 15
  • 3.3.1. PayPal 15
  • 3.3.2. Sakuku 15
  • 3.3.3. Mandiri e-Cash 15
  • 3.3.4. Straight2Bank 16
  • 3.3.5. Dompetku 16
  • 3.3.6. XL-Tunai 16
  • 3.3.7. TCASH 16
  • 3.3.8. mVisa 17
  • 3.3.9. DOKU 17
  • 3.3.10. Fortumo 17
  • 3.3.11. BBM Money 17
  • 4. REGULATIONS IN THE CARDS AND PAYMENTS INDUSTRY 18
  • 4.1. Regulatory framework 18
  • 4.1.1. Regulations related to card issuers 18
  • 4.1.2. Regulations related to credit cards 18
  • 4.1.3. Electronic banking regulations 19
  • 4.2. Anti-money laundering 19
  • 4.3. Foreign direct investment regulations 19
  • 5. ANALYSIS OF CARDS AND PAYMENTS INDUSTRY DRIVERS 21
  • 6. PAYMENT CARDS 23
  • 7. DEBIT CARDS 25
  • 7.1. Debit cards market analysis 25
  • 7.2. Competition in the debit card market 27
  • 7.3. Debit card comparison 29
  • 8. PAY-LATER CARDS 30
  • 8.1. Pay-later card market analysis 30
  • 8.2. Competition in the pay-later card market 32
  • 8.3. Pay-later cards comparison 34
  • 9. PREPAID CARDS 36
  • 10. MERCHANT ACQUIRING 38
  • 11. APPENDIX 41
  • 11.1. Abbreviations and acronyms 41
  • 11.2. Supplementary data 41
  • 11.3. Definitions 55
  • 11.4. Methodology 57
  • 11.5. Bibliography 59
  • 11.6. Further reading 59

List of Tables

List of Tables

  • Table 1: Indonesia: key facts, 2016 4
  • Table 2: Indonesia: regional benchmarking of payment cards, 2016 4
  • Table 3: Indonesia: mode of entry of foreign banks 20
  • Table 4: Indonesia: debit card comparison and key features, 2017 29
  • Table 5: Indonesia: gold credit cards comparison and key features, 2017 34
  • Table 6: Indonesia: premium credit cards comparison and key features, 2017 34
  • Table 7: Indonesia: charge cards comparison and key features, 2017 35
  • Table 8: Indonesia: payment instrument transaction values (IDRtn), 2012-16 41
  • Table 9: Indonesia: payment instrument transaction values ($bn), 2012-16 41
  • Table 10: Indonesia: payment instrument transaction volumes (millions), 2012-16 41
  • Table 11: Indonesia: payment cards in circulation by type (millions), 2012-21f 42
  • Table 12: Indonesia: volume of payment card transactions (millions), 2012-21f 42
  • Table 13: Indonesia: value of payment card transactions (IDRtn), 2012-21f 42
  • Table 14: Indonesia: value of payment card transactions ($bn), 2012-21f 42
  • Table 15: Indonesia: debit cards in circulation (millions), 2012-21f 42
  • Table 16: Indonesia: debit card transaction volumes, 2012-21f 43
  • Table 17: Indonesia: debit card transaction values (IDR), 2012-21f 43
  • Table 18: Indonesia: debit card transaction values ($), 2012-21f 43
  • Table 19: Indonesia: debit cards in circulation by scheme (millions), 2012-16 44
  • Table 20: Indonesia: debit card transaction values by scheme (IDRtn), 2012-16 44
  • Table 21: Indonesia: debit card transaction values by scheme ($bn), 2012-16 44
  • Table 22: Indonesia: debit card transaction values by issuer (IDRtn), 2012-16 44
  • Table 23: Indonesia: debit card transaction values by issuer ($bn), 2012-16 45
  • Table 24: Indonesia: pay-later cards in circulation (millions), 2012-21f 45
  • Table 25: Indonesia: pay-later card transaction volumes, 2012-21f 45
  • Table 26: Indonesia: pay-later card transaction values (IDR), 2012-21f 46
  • Table 27: Indonesia: pay-later card transaction values ($), 2012-21f 46
  • Table 28: Indonesia: pay-later cards in circulation by scheme (000s), 2012-16 46
  • Table 29: Indonesia: pay-later card transaction values by scheme (IDRtn), 2012-16 47
  • Table 30: Indonesia: pay-later card transaction values by scheme ($m), 2012-16 47
  • Table 31: Indonesia: pay-later card transaction values by issuer (IDRtn), 2012-16 47
  • Table 32: Indonesia: pay-later card transaction values by issuer ($m), 2012-16 48
  • Table 33: Indonesia: credit cards in circulation (millions), 2012-21f 48
  • Table 34: Indonesia: credit card transaction volumes, 2012-21f 48
  • Table 35: Indonesia: credit card transaction values (IDR), 2012-21f 49
  • Table 36: Indonesia: credit card transaction values ($), 2012-21f 49
  • Table 37: Indonesia: credit cards in circulation by scheme (000s), 2012-16 49
  • Table 38: Indonesia: credit card transaction values by scheme (IDRtn), 2012-16 50
  • Table 39: Indonesia: credit card transaction values by scheme ($m), 2012-16 50
  • Table 40: Indonesia: charge cards in circulation (000s), 2012-21f 50
  • Table 41: Indonesia: charge card transaction volumes, 2012-21f 50
  • Table 42: Indonesia: charge card transaction values (IDR), 2012-21f 51
  • Table 43: Indonesia: charge card transaction values ($), 2012-21f 51
  • Table 44: Indonesia: charge cards in circulation by scheme (000s), 2012-16 51
  • Table 45: Indonesia: charge card transaction values by scheme (IDRtn), 2012-16 51
  • Table 46: Indonesia: charge card transaction values by scheme ($m), 2012-16 51
  • Table 47: Indonesia: prepaid cards in circulation (millions), 2012-21f 52
  • Table 48: Indonesia: prepaid card transaction values (IDRtn), 2012-21f 52
  • Table 49: Indonesia: prepaid card transaction values ($m), 2012-21f 52
  • Table 50: Indonesia: merchant acquiring transaction volumes (millions), 2012-20f 52
  • Table 51: Indonesia: merchant acquiring transaction values (IDRtn), 2012-20f 52
  • Table 52: Indonesia: merchant acquiring transaction values ($bn), 2012-20f 52
  • Table 53: Indonesia: acquirers' transaction volumes (millions), 2011-15 53
  • Table 54: Indonesia: acquirers' transaction value (IDRtn), 2011-15 53
  • Table 55: Indonesia: acquirers' transaction values ($bn), 2011-15 53
  • Table 56: Indonesia: retail outlets and card-accepting merchants (000s), 2012-20f 53
  • Table 57: Indonesia: debit card average interchange fees (%), 2011-15 54
  • Table 58: Indonesia: debit card merchant service charge and interchange fee (%), 2012-20f 54
  • Table 59: Indonesia: pay-later card average interchange fees (%), 2011-15 54
  • Table 60: Indonesia: pay-later card merchant service charge and interchange fee (%), 2012-20f 54
  • Table 61: Key definitions 55

List of Figures

List of Figures

  • Figure 1: Indonesia: payment instrument shares by transaction value (%), 2012 vs 2016 11
  • Figure 2: Indonesia: payment instrument shares by transaction volume (%), 2012 vs 2016 12
  • Figure 3: Indonesia: e-commerce market value 13
  • Figure 4: Indonesia: population and economic indicators 21
  • Figure 5: Indonesia: ATMs, POS terminals, and household consumption 22
  • Figure 6: Indonesia: payment cards transaction value and cards in circulation, 2012-21f 23
  • Figure 7: Indonesia: debit card penetration and turnover per card 25
  • Figure 8: Indonesia: debit card scheme and issuer transaction value shares, 2016 27
  • Figure 9: Indonesia: pay-later card penetration and turnover per card 30
  • Figure 10: Indonesia: pay-later card scheme and issuer transaction value shares, 2016 32
  • Figure 11: Indonesia: prepaid cards in circulation, and transaction value, 2012-21f 36
  • Figure 12: Indonesia: merchant acquiring transaction volume and value, 2012-20f 38
  • Figure 13: Indonesia: acquirers' market share in terms of transaction volume and value (%), 2015 39
  • Figure 14: Indonesia: average merchant service charge and interchange fee (%), 2012-20f 40
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