{
  "slug": "id-fintech",
  "name": "Indonesia fintech",
  "updated": "2026-09-21",
  "page": "https://godofstartups.com/atlas/markets/id-fintech",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "facts": [
    {
      "metric": "Electronic money instruments in circulation, Indonesia",
      "value": "1,137.75",
      "unit": "million units",
      "geo": "ID",
      "period": "2026-07",
      "tier": 1,
      "status": "ready",
      "url": "https://www.bi.go.id/id/statistik/ekonomi-keuangan/spip/Documents/TABEL_5e.pdf"
    },
    {
      "metric": "Total assets of Indonesia venture capital industry",
      "value": "28.12",
      "unit": "IDR trillion",
      "geo": "ID",
      "period": "2026-03",
      "tier": 1,
      "status": "ready",
      "url": "https://iru.ojk.go.id/iru/Website/ArticleList/View/1010_Financing_Institutions,_Venture_Capital,_Fintech_P2P_Lending_and_Micro_Finance_Industry_Update_March_2026"
    },
    {
      "metric": "Outstanding financing of Indonesia pawnshop industry",
      "value": "153.49",
      "unit": "IDR trillion",
      "geo": "ID",
      "period": "2026-03",
      "tier": 1,
      "status": "ready",
      "url": "https://iru.ojk.go.id/iru/Website/ArticleList/View/1010_Financing_Institutions,_Venture_Capital,_Fintech_P2P_Lending_and_Micro_Finance_Industry_Update_March_2026"
    },
    {
      "metric": "Year-on-year growth of Indonesia fintech P2P lending outstanding loans",
      "value": "26.25",
      "unit": "percent",
      "geo": "ID",
      "period": "2026-03",
      "tier": 1,
      "status": "ready",
      "url": "https://iru.ojk.go.id/iru/Website/ArticleList/View/1010_Financing_Institutions,_Venture_Capital,_Fintech_P2P_Lending_and_Micro_Finance_Industry_Update_March_2026"
    },
    {
      "metric": "Outstanding financing of Indonesia financing institutions (multifinance)",
      "value": "514.09",
      "unit": "IDR trillion",
      "geo": "ID",
      "period": "2026-03",
      "tier": 1,
      "status": "ready",
      "url": "https://iru.ojk.go.id/iru/Website/ArticleList/View/1010_Financing_Institutions,_Venture_Capital,_Fintech_P2P_Lending_and_Micro_Finance_Industry_Update_March_2026"
    },
    {
      "metric": "TWP90 90-day default ratio of Indonesia fintech P2P lending",
      "value": "4.52",
      "unit": "percent",
      "geo": "ID",
      "period": "2026-03",
      "tier": 1,
      "status": "ready",
      "url": "https://iru.ojk.go.id/iru/Website/ArticleList/View/1010_Financing_Institutions,_Venture_Capital,_Fintech_P2P_Lending_and_Micro_Finance_Industry_Update_March_2026"
    },
    {
      "metric": "Venture capital financing outstanding, Indonesia venture capital industry",
      "value": "16.57",
      "unit": "IDR trillion",
      "geo": "ID",
      "period": "2026-03",
      "tier": 1,
      "status": "ready",
      "url": "https://iru.ojk.go.id/iru/Website/ArticleList/View/1010_Financing_Institutions,_Venture_Capital,_Fintech_P2P_Lending_and_Micro_Finance_Industry_Update_March_2026"
    },
    {
      "metric": "QRIS digital payment users reached by Bank Indonesia, Indonesia",
      "value": "57",
      "unit": "million users",
      "geo": "ID",
      "period": "2025 H1",
      "tier": 1,
      "status": "ready",
      "url": "https://www.bi.go.id/id/publikasi/ruang-media/news-release/Pages/sp_2717025.aspx"
    },
    {
      "metric": "QRIS merchant discount rate for small/medium/large business merchants, Indonesia",
      "value": "0,7",
      "unit": "percent of transaction value",
      "geo": "Indonesia",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.bi.go.id/id/publikasi/ruang-media/cerita-bi/Pages/mdr-qris.aspx"
    },
    {
      "metric": "Digital payment adoption by country, World Bank Global Findex (made or received a digital payment, % age 15+)",
      "value": "55",
      "unit": "digital payment transactions per adult",
      "geo": "ID",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.bi.go.id/en/publikasi/ruang-media/news-release/Pages/sp_2614424.aspx"
    },
    {
      "metric": "Average value of one electronic money purchase transaction, Indonesia",
      "value": "50,751",
      "unit": "IDR per transaction",
      "geo": "ID",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.bi.go.id/id/statistik/ekonomi-keuangan/spip/Documents/TABEL_5e.pdf"
    },
    {
      "metric": "Indonesia electronic money transaction volume, Bank Indonesia",
      "value": "3958.53",
      "unit": "million transactions",
      "geo": "ID",
      "period": "2024-Q2",
      "tier": 1,
      "status": "ready",
      "url": "https://www.bi.go.id/en/publikasi/ruang-media/news-release/Pages/sp_2614424.aspx"
    },
    {
      "metric": "Indonesia unbanked adults citing cost as reason for no account",
      "value": "23.45",
      "unit": "percent of adults age 15+",
      "geo": "ID",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin11b?locations=ID"
    },
    {
      "metric": "Account ownership at a financial institution or mobile-money provider, young adults 15-24",
      "value": "61.99",
      "unit": "percent",
      "geo": "ID",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/FX.OWN.TOTL.YG.ZS?locations=ID"
    },
    {
      "metric": "No account because financial services are too expensive, Indonesia, World Bank Global Findex",
      "value": "23.45",
      "unit": "% of population age 15+ without an accou",
      "geo": "ID",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin11b?locations=ID"
    },
    {
      "metric": "Indonesia adults with an account at a financial institution or mobile-money provider",
      "value": "56.3",
      "unit": "percent of population age 15+",
      "geo": "Indonesia",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/FX.OWN.TOTL.ZS?locations=ID"
    },
    {
      "metric": "No account because of a lack of trust in financial institutions, Indonesia, World Bank Global Findex",
      "value": "30.26",
      "unit": "% of population age 15+ without an accou",
      "geo": "ID",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin11d?locations=ID"
    },
    {
      "metric": "No account because financial institutions are too far away, Indonesia, World Bank Global Findex",
      "value": "18.50",
      "unit": "% of population age 15+ without an accou",
      "geo": "ID",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin11a?locations=ID"
    },
    {
      "metric": "Account ownership among the poorest 40% by income, Indonesia",
      "value": "48.4188044924569",
      "unit": "percent",
      "geo": "ID",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://api.worldbank.org/v2/country/IDN/indicator/account.t.d.7?source=28&format=json&per_page=100&date=2024"
    },
    {
      "metric": "Indonesia unbanked adults citing distance to a bank as reason for no account",
      "value": "18.5",
      "unit": "percent of adults age 15+",
      "geo": "ID",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin11a?locations=ID"
    }
  ],
  "note": "status: ready = two or more independent sources or an official series; proxy = one source; context = macro background, not a validation figure."
}