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Synopsis
Timetric’s 'The Cards and Payments Industry in Indonesia: Emerging Trends and Opportunities to 2019' report provides detailed analysis of market trends in Indonesia's cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including check payments, credit transfers, payment cards and cash transactions during the review period (2010–2014).

The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, and transaction values and volumes during the review period and over the forecast period (2015–2019). It also offers information on the country's competitive landscape, including market shares of issuers and schemes.

The report brings together Timetric’s research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies, recent changes in regulatory structure, card fraud statistics, and profiles of card issuers operating in the country.

Summary
Timetric’s 'The Cards and Payments Industry in Indonesia: Emerging Trends and Opportunities to 2019' report provides top-level market analysis, information and insights into Indonesia's cards and payments industry, including:

- Current and forecast values for each market in Indonesia's cards and payments industry, including debit, credit and charge cards. It also includes detailed analysis of the prepaid cards market.

- Detailed insights into payment instruments including check payments, credit transfers, payment cards and cash transactions. It also, includes an overview of the country's key alternative payment instruments.

- Analysis of various market drivers and regulations governing Indonesia's cards and payments industry.

- Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.

- Comprehensive analysis of consumer attitudes and buying preferences for cards.

- The competitive landscape of Indonesia's cards and payments industry.

Scope
- This report provides a comprehensive analysis of Indonesia's cards and payments industry.

- It provides current values for Indonesia's cards and payments industry for 2014, and forecast figures to 2019.

- It details the different economic, infrastructural and business drivers affecting Indonesia's cards and payments industry.

- It outlines the current regulatory framework in the industry.

- It details marketing strategies used by various banks and other institutions.

- It profiles major banks in Indonesia's cards and payments industry.

Reasons To Buy
- Make strategic business decisions, using top-level historic and forecast market data, related to Indonesia's cards and payments industry and each market within it.

- Understand the key market trends and growth opportunities in Indonesia's cards and payments industry.

- Assess the competitive dynamics in Indonesia's cards and payments industry.

- Gain insights into marketing strategies used for various card types in Indonesia.

- Gain insights into key regulations governing Indonesia's cards and payments industry.

Key Highlights
- During the review period, Indonesia’s payment cards market grew in terms of transaction value and volume, registering respective compound annual growth rates (CAGRs) of 11.95% and 19.89%. Owing to government efforts to increase awareness levels with regards to payment cards, bolstered consumer confidence, middle-class population growth and urbanization contributed to their review-period growth.

- Banks are migrating to EMV standards in order to enhance security. In October 2011, the central bank mandated banks to replace their magnetic strip ATM and debit cards with EMV cards. A deadline was set for December 31, 2015. From January 2015, the central bank also made six-digit PINs compulsory when authenticating credit card transactions at POS terminals.

- The prepaid cards market recorded a strong performance both in terms of the number of cards in circulation and transaction value, registering respective review-period CAGRs of 60.29% and 46.16%; a situation which is anticipated to continue over the forecast period.

Table Of Contents

The Cards and Payments Industry in Indonesia: Emerging Trends and Opportunities to 2019
Table of Contents
1 Definitions and Methodology
1.1 Definitions
1.2 Methodology
2 Key Facts and Events
3 Executive Summary
4 Payment Instruments
4.1 Current Payments Environment
4.2 Alternative Payment Instruments
4.2.1 PayPal
4.2.2 Doku
4.2.3 Codapay
4.2.4 BBM Money
5 Regulations in the Cards and Payments Industry
5.1 Regulatory Framework
5.1.1 Regulations related to card issuers
5.1.2 Regulations related to credit cards
5.1.3 Electronic banking regulations
5.2 Anti-Money Laundering
5.3 Foreign Direct Investment (FDI) Regulations
6 Analysis of Cards and Payments Industry Drivers
6.1 Demographic Drivers
6.2 Economic Drivers
6.3 Infrastructure Drivers
6.4 Business Drivers
7 Market Segmentation and New Product Launches
7.1 Market Segmentation and Targeting
7.1.1 Consumer cards
7.1.2 Commercial cards
7.2 New Product Launches
8 Payment Cards
8.1 Payment Cards Analysis
8.1.1 Volume and value of payment card transactions by type
8.1.2 Personal vs commercial cards
9 Debit Cards
9.1 Debit Cards Market Analysis
9.1.1 Debit card transaction volumes and values by channel
9.1.2 Debit card scheme shares in terms of number of cards in circulation and transaction value
9.1.3 Debit cards issuers' market shares
9.1.4 Debit cards comparison
10 Credit Cards
10.1 Credit Cards Market Analysis
10.1.1 Credit card transaction volumes and values by channel
10.1.2 Credit card scheme shares in terms of number of cards in circulation and transaction value
10.1.3 Credit cards issuers' market share
10.1.4 Credit cards comparison
11 Charge Cards
11.1 Charge Cards Market Analysis
11.1.1 Charge card transaction volumes and values by channel
11.1.2 Charge card scheme shares in terms of number of cards in circulation and transaction values
11.1.3 Charge cards comparison
12 Commercial Cards
12.1 Commercial Cards Market Analysis
12.1.1 Commercial cards comparison
13 Card Fraud Statistics
13.1 Card Fraud Analysis
14 Card Issuers
14.1 Bank Rakyat Indonesia
14.2 Bank Central Asia
14.3 Bank Mandiri
14.4 Bank Negara Indonesia
14.5 Citibank Indonesia
15 Prepaid Cards
15.1 Prepaid Cards Market Analysis
15.1.1 Prepaid cards comparison
16 Appendix
16.1 Tables
16.2 Contact Timetric
16.3 About Timetric
16.4 Timetric's Services
16.5 Disclaimer

List of Tables
Table 1: Key Definitions
Table 2: Annual Average Exchange Rate
Table 3: Indonesia - Key Facts, 2014
Table 4: Regional Benchmarking of Indonesian Payment Cards, 2014
Table 5: Indonesia - Mode of Entry of Foreign Banks
Table 6: Cards for High-Income Consumers, 2015
Table 7: Cards for Travelers, 2015
Table 8: Cards for Students and Youth Population, 2015
Table 9: Cards for Shoppers, 2015
Table 10: Cards for Female Population, 2015
Table 11: Commercial Cards Comparison and Key Features, 2015
Table 12: Indonesia - New Product Launches
Table 13: Indonesia - Debit Cards Comparison and Key Features, 2015
Table 14: Indonesia - Gold Credit Cards Comparison and Key Features, 2015
Table 15: Indonesia - Premium Credit Cards Comparison and Key Features, 2015
Table 16: Indonesia - Charge Cards Comparison and Key Features, 2015
Table 17: Indonesia - Commercial Cards Comparison and Key Features, 2015
Table 18: Indonesia - Prepaid Cards Comparison and Key Features, 2015
Table 19: Indonesia - Payment Instrument Transaction Values (IDR Trillion), 2010-2014
Table 20: Indonesia - Payment Instrument Transaction Values (US$ Billion), 2010-2014
Table 21: Indonesia - Payment Instrument Transaction Volumes (Million), 2010-2014
Table 22: Indonesia - Number of Payment Cards in Circulation by Type (Million), 2010-2019
Table 23: Indonesia - Payment Card Transaction Volumes by Type (Million), 2010-2019
Table 24: Indonesia - Payment Card Transaction Values by Type (IDR Trillion), 2010-2019
Table 25: Indonesia - Payment Card Transaction Values by Type (US$ Billion), 2010-2019
Table 26: Indonesia - Personal and Commercial Card Transaction Values (IDR Trillion), 2010-2019
Table 27: Indonesia - Personal and Commercial Card Transaction Values (US$ Billion), 2010-2019
Table 28: Indonesia - Personal and Commercial Card Transaction Volumes (Million), 2010-2019
Table 29: Indonesia - Number of Debit Cards in Circulation (Million), 2010-2019
Table 30: Indonesia - Debit Card Transaction Volumes and Frequency by Channel, 2010-2019
Table 31: Indonesia - Debit Card Total and Average Transaction Values by Channel, 2010-2019
Table 32: Indonesia - Debit Card Total and Average Transaction Values by Channel, 2010-2019
Table 33: Indonesia - Number of Debit Cards in Circulation By Scheme (Million), 2010-2014
Table 34: Indonesia - Debit Card Transaction Values By Scheme (IDR Trillion), 2010-2014
Table 35: Indonesia - Debit Card Transaction Values By Scheme (US$ Billion), 2010-2014
Table 36: Indonesia - Debit Card Transaction Values by Issuer (IDR Trillion), 2010-2014
Table 37: Indonesia - Debit Card Transaction Values by Issuer (US$ Billion), 2010-2014
Table 38: Indonesia - Number of Credit Cards in Circulation (Million), 2010-2019
Table 39: Indonesia - Credit Card Transaction Volumes and Frequency by Channel, 2010-2019
Table 40: Indonesia - Credit Card Total and Average Transaction Values by Channel, 2010-2019
Table 41: Indonesia - Credit Card Total and Average Transaction Values by Channel, 2010-2019
Table 42: Indonesia - Number of Credit Cards in Circulation By Scheme (Thousand), 2010-2014
Table 43: Indonesia - Credit Card Transaction Values By Scheme (IDR Trillion), 2010-2014
Table 44: Indonesia - Credit Card Transaction Values By Scheme (US$ Billion), 2010-2014
Table 45: Indonesia - Credit Card Transaction Values By Issuer (IDR Trillion), 2010-2014
Table 46: Indonesia - Credit Card Transaction Values By Issuer (US$ Million), 2010-2014
Table 47: Indonesia - Credit Card Balances Outstanding By Issuer (IDR Trillion), 2010-2014
Table 48: Indonesia - Credit Card Balances Outstanding By Issuer (US$ Million), 2010-2014
Table 49: Indonesia - Number of Charge Cards in Circulation (Thousand), 2009-2018
Table 50: Indonesia - Charge Card Transaction Volumes and Frequency by Channel, 2009-2018
Table 51: Indonesia - Charge Card Total and Average Transaction Values by Channel, 2009-2018
Table 52: Indonesia - Charge Card Total and Average Transaction Values by Channel, 2009-2018
Table 53: Indonesia - Number of Charge Cards in Circulation By Scheme (Thousand), 2010-2014
Table 54: Indonesia - Charge Card Transaction Values By Scheme (IDR Billion), 2010-2014
Table 55: Indonesia - Charge Card Transaction Values By Scheme (US$ Million), 2009-2013
Table 56: Indonesia - Number of Commercial Cards in Circulation (Thousand), 2010-2019
Table 57: Indonesia - Commercial Card Transaction Values (IDR Trillion), 2010-2019
Table 58: Indonesia - Commercial Card Transaction Values (US$ Million), 2010-2019
Table 59: Indonesia - Card Fraud (IDR Billion), 2010-2014
Table 60: Indonesia - Card Fraud (US$ Million), 2010-2014
Table 61: Indonesia - Number of Prepaid Cards in Circulation (Million), 2010-2019
Table 62: Indonesia - Prepaid Card Transaction Values (IDR Billion), 2010-2019
Table 63: Indonesia - Prepaid Card Transaction Values (US$ Million), 2010-2019

List of Figures
Figure 1: Indonesia - Payment Instrument Shares by Transaction Values (%), 2010 and 2014
Figure 2: Indonesia - Payment Instrument Shares by Transaction Volumes (%), 2010 and 2014
Figure 3: Indonesia - Total Population and Structure, 2014
Figure 4: Indonesia - Internet and Mobile Penetration (Users per 100 Inhabitants), 2010-2019
Figure 5: Indonesia - Economic Indicators, 2010-2019
Figure 6: Indonesia - Number of ATMs, POS Terminals and Banking Composition, 2014
Figure 7: Indonesia - Household Final Consumption Expenditure per Capita and Retail Sales, 2010-2014
Figure 8: Indonesia - E-Commerce Value (US$ Million), 2010-2019
Figure 9: Indonesia - Outbound and Inbound Trips Volume and Spending, 2010-2019
Figure 10: Indonesia - Cards and Payments Industry Segmentation by Card Type, 2015
Figure 11: Indonesia - Growth in Payment Cards Transaction Value and Number of Cards in Circulation, 2010-2019
Figure 12: Indonesia - Volume and Value of Payment Card Transactions by Type (%), 2010-2019
Figure 13: Indonesia - Personal and Commercial Card, Transaction Volumes and Values (%), 2010-2019
Figure 14: Indonesia - Growth in Debit Card Transaction Values and Number of Debit Cards in Circulation, 2010-2019
Figure 15: Indonesia - Debit Card Transaction Volumes and Values by Channel, 2010-2019
Figure 16: Indonesia - Debit Card Scheme Shares in Terms of Number of Cards in Circulation and Transaction Value (%), 2014
Figure 17: Indonesia - Debit Cards Issuers' Market Shares in Terms of Transaction Value (%), 2014
Figure 18: Indonesia - Growth in Credit Card Transaction Values and Number of Credit Cards in Circulation, 2010-2019
Figure 19: Indonesia - Credit Card Transaction Volumes and Values by Channel, 2010-2019
Figure 20: Indonesia - Credit Card Scheme Shares in Terms of Number of Cards in Circulation and Transaction Value (%), 2014
Figure 21: Indonesia - Credit Cards Issuers' Market Share in Terms of Transaction Value (%), 2014
Figure 22: Indonesia - Credit Cards Issuers' Market Share in Terms of Outstanding Balance (%), 2014
Figure 23: Indonesia - Growth in Charge Card Transaction Values and Number of Charge Cards in Circulation, 2010-2019
Figure 24: Indonesia - Charge Card Transaction Volumes and Values by Channel, 2010-2019
Figure 25: Indonesia - Charge Card Scheme Shares in Terms of Number of Cards in Circulation and Transaction Values (%), 2014
Figure 26: Indonesia - Number of Commercial Cards in Circulation and Transaction Value, 2010-2019
Figure 27: Indonesia - Shares of Various Types of Card Fraud in Terms of Transaction Value (%), 2010 and 2014
Figure 28: Indonesia - Number of Prepaid Cards in Circulation and Transaction Value, 2010-2019

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