DIGITAL FINANCIAL INCLUSION IN INDONESIA
BB Indonesia at Glance
High unbanked & Cash-based economy
DEMOGRAPHIC
FINANCIAL INSTITUTION
±17.000
islands
118
commercial banks
+247 M
population
+178 M
adult people
+ 25.420
bank offices
+ 95.097
ATM
± 28 M
is poor people
+ 5.036
± 44%
lives in city
Source: National Statistic
Beaurau, 2012
100
95.5
Payment Behaviour
84.1
80
60
40
20
0
Cash
ACCESS TO FINANCE
CELEBES
PNDO
embang
± 209.488
rural banks
cooperatives
± 600.000 MFI (incl. non-formal)
Source: Bank Indonesia and Ministry SME's, processed.
36%
Adults in Indonesia have account in
formal financial institution
Source: World Bank, 2014 Global Financial Inclusion Index
Survey WB 2011: 20%
Share of Number
USA 94%
UK 99%
Share of Value
9.9
5.4
2.5
1.6
0.3 0.3
0.1 0.4
Debit Card
Credit Card
E-Money
Voucher
Sumber: Bank Indonesia, Survey of Payment Behavioral Pattern in Indonesia (2013)
Other
10%
7%
Credit card
Post office
100%
80%
60%
95%
40%
20%
0%
Total
100%
99% 99% 98% 96% 96% 92%
Afghanistan
Nepal
Sri Lanka
Pakistan
Indonesi
Bangladesh
India
Money transfer service
Mobile phone money transfer
Bank transfer
■Cash received through another person
or received in person
Sumber: Gallup, Remittances, Payments, And Money Transfers Behaviors Of South Asians And
Indonesians, 2013
0-19
20-39
40-64
65-89
90-100
China 79%
No data available
India 53%
Nigeria 44%
Brazil 68%
Kenya 75%
Tanzania 40%
Thailand 78%
Malaysia 81%
Indonesia 36%
Argentina 50%
Adult person age >15 years
Total Adult in Indonesia = 177,7 Billion
Source: Worldbank, Global Financial Inclusion Index, 2014
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