Indonesia fintech
Buy now, pay later is Indonesia's breakout fintech: BNPL financing by financing companies grew 54.65% year on year to July 2026, banks reported 33.50 million BNPL loan accounts, and online lending outstanding rose 25.88% (OJK).
20 verified facts tracked for this market — each with its source, reporting period and evidence tier. Tier 1 = primary institutions (central banks, statistical offices); tier 2 = disclosed industry panels.
| Metric | Value | Geo | Period | Tier | Source |
|---|---|---|---|---|---|
| Risk Perception Index (IPR), Indonesian commercial banks | 57index points | ID | 2026-Q3 | T1 | iru.ojk.go.id |
| QRIS transaction ceiling for zero MDR, all merchant categories | 100.000IDR per transaction | ID | 2026-10 | T1 | bi.go.id |
| Bank accounts flagged for enhanced due diligence or blocking over online gambling links, Indonesia | 38375accounts | ID | 2026-08 | T1 | iru.ojk.go.id |
| Cumulative funds raised through securities crowdfunding in Indonesia | 2.04IDR trillion | ID | 2026-08 | T1 | iru.ojk.go.id |
| Online lending operators sanctioned administratively by the regulator in one month | 34operators | ID | 2026-08 | T1 | iru.ojk.go.id |
| Number of licensed financing companies (multifinance) supervised by OJK | 144companies | ID | 2026-08 | T1 | iru.ojk.go.id |
| Registered Financial Services Technology Innovations (FSTI) supervised by OJK | 24registered innovations | ID | 2026-08 | T1 | iru.ojk.go.id |
| Number of bank BNPL loan accounts reported through SLIK | 33.50million accounts | ID | 2026-07 | T1 | iru.ojk.go.id |
| Year-on-year growth of consumer loans at Indonesian banks | 5.38percent year-on-year | ID | 2026-07 | T1 | iru.ojk.go.id |
| Insurance and reinsurance companies meeting the minimum equity requirement applicable for 2026, Indonesia | 82.07percent of companies | ID | 2026-07 | T1 | iru.ojk.go.id |
| Total assets of the pension fund industry | 1,699.99IDR trillion | ID | 2026-07 | T1 | iru.ojk.go.id |
| Year-on-year growth of BNPL financing by financing companies | 54.65percent | ID | 2026-07 | T1 | iru.ojk.go.id |
| Partnerships established by registered fintech (ITSK) operators with financial services institutions in one month | 1357partnerships | ID | 2026-07 | T1 | iru.ojk.go.id |
| Gross non-performing financing ratio of BNPL at multifinance companies | 3.03percent | ID | 2026-07 | T1 | iru.ojk.go.id |
| Consumer accounts held with licensed Digital Financial Asset (crypto) Traders | 22.93million accounts | ID | 2026-07 | T1 | iru.ojk.go.id |
| Gearing ratio of financing companies, Indonesia | 2.1times | ID | 2026-07 | T1 | iru.ojk.go.id |
| Gross non-performing financing ratio of BNPL at financing companies | 3.09percent of BNPL financing | ID | 2026-06 | T1 | iru.ojk.go.id |
| Year-on-year growth of outstanding online lending (Pindar) financing | 25.88percent | ID | 2026-06 | T1 | iru.ojk.go.id |
| Outstanding venture capital financing, Indonesia | 16.28IDR trillion | ID | 2026-06 | T1 | iru.ojk.go.id |
| Total assets of Indonesia venture capital industry | 28.12IDR trillion | ID | 2026-03 | T1 | iru.ojk.go.id |
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