Indonesias Cards and Payments Industry

Indonesias Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products
and Competitive Landscape

Synopsis
The report provides market analysis, information and insights into Indonesia’s cards and payments
industry, including:
Current and forecast values for each category of Indonesia’s cards and payments industry including
debit cards, credit cards, prepaid cards and charge cards Comprehensive analysis of the industry’s
market attractiveness and future growth areas Analysis of various market drivers and regulations governing
Indonesia’s cards and payments industry Detailed analysis of the marketing strategies adopted for
selling debit, credit, charge and prepaid cards used by various bankers and other institutions in the market
Comprehensive analysis of consumer attitudes and their buying preferences for cards Competitive landscape
of Indonesia’s cards and payments industry
Executive summary
The Indonesian card payments channel grew substantially both in volume and value terms during the review
period. In terms of number of cards in circulation, the Indonesian card payments channel grew at a CAGR of
21.26% increasing from 52.4 million cards in 2008 to 113.2 million in 2012. The card payments channel is
expected to register a CAGR of 20.36%, rising from 138.1 million cards in 2013 to 289.9 million in 2017. In
terms of transaction value, the channel grew at a CAGR of 19.68% from IDR846.7 trillion (US$87.3 billion)
in 2008 to IDR1.7 quadrillion (US$185.2 billion) in 2012. Debit and credit card transactions remained the key
growth drivers, followed by prepaid cards which registered increased demand from Indonesian consumers.
Over the forecast period, the total card transaction value is expected to grow at a CAGR of 12.52%, to reach
IDR3.3 quadrillion (US$328.8 billion) by the end of 2017.
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 2012 and forecast figures for
2017 It details the different macroeconomic, infrastructural, consumer and business drivers affecting
Indonesia’s cards and payments industry It outlines the current regulatory framework in the industry It
details the marketing strategies used by various bankers and other institutions It profiles the major banks in
Indonesia’s cards and payments industry
Reasons to buy
Make strategic business decisions using 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
within Indonesia’s cards and payments industry Assess the competitive dynamics in Indonesia’s
cards and payments industry Gain insights into the marketing strategies used for selling various types of cards
in Indonesia Gain insights into key regulations governing Indonesia’s cards and payments industry
Key highlights
The Indonesian card payments channel registered significant growth during the review period
(2008–2012), recording a compound annual growth rate (CAGR) of 21.26% to reach 113.2 million
cards in circulation by the end of 2012. It is anticipated to grow at a projected CAGR of 20.36% over the
Indonesias Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape

forecast period (2013–2017), to reach 289.9 million cards in 2017. Growth in the Indonesian cards
payments channel is expected to be driven by increasing demand for prepaid cards, a better regulatory
framework, a growing market for online and mobile commerce, and a positive economic outlook.
Indonesia’s central bank, Bank Indonesia (BI), enforced new regulations for the credit card category in
January 2013, placing a cap on interest rates charged by banks on credit cards. BI also set the minimum
monthly income requirement at IDR3 million (US$32), and the maximum available credit limit at three times
this rate. Credit card users must be at least 21 years old. The popular payment channels in Indonesia are credit
transfers, checks and cards. The payments channel structure has changed significantly in the past decade and
new channels with paperless transactions have gained popularity. Most transactions, however, are still made
with cash.
table Of Contents

1 Executive Summary

2 Analysis Of The Market Environment, Key Trends And Drivers
2.1 Payment Infrastructure And Emerging Technologies
2.1.1 Atms
2.1.2 Pos Terminals
2.1.3 Internet Penetration
2.1.4 Mobile Payments
2.1.5 Contactless And Near-field Communication (nfc) Payments
2.1.6 Complete Migration To Emv Technology
2.2 Business Drivers
2.2.1 Growth In The Retail Industry
2.2.2 Increase In Competition
2.2.3 Transport Cards
2.2.4 Financial Education To Create Awareness
2.3 Economic Drivers
2.3.1 Stable Gdp
2.3.2 Inflation
2.3.3 Gdp Per Capita Income

3 Cards And Payments Industry Share Analysis
3.1 Industry Overview
3.1.1 Cash
3.1.2 Checks
3.1.3 Card Payments
3.1.4 Credit Transfer


4 Regulatory Framework And Card Fraud Statistics
4.1 Regulatory Framework
4.1.1 Regulations Related To Card Issuers
4.1.2 Regulations Related To Credit Cards
4.1.3 Regulations Related To Debit And Prepaid Cards
4.1.4 Electronic Banking Regulations
4.1.5 Implementation Of Anti-money Laundering And Combating The Financing Of Terrorism
4.1.6 Foreign Direct Investment (fdi) Regulations
4.2 Card Fraud Statistics
4.2.1 Card-not-present Fraud
4.2.2 Counterfeit Cards
4.2.3 Card Id Theft
4.2.4 Cards Lost Or Stolen

5 Emerging Consumer Attitudes And Trends
5.1 Industry Segmentation And Targeting
5.1.1 Retail Segment
5.1.2 Corporate Users
5.2 Travel And Tourism Spending
5.2.1 Outbound Tourist Trips
5.2.2 Outbound Tourist Spending
5.3 Retail Card Spending
5.3.1 Analysis By Product Categories
5.3.2 Analysis By Retail Channels

6 Analysis Of Card Payments And Growth Prospects
6.1 Channel Share Analysis By Card Category
6.2 Size And Forecast Of The Card Payments Channel
6.2.1 Analysis By Number Of Cards In Circulation
6.2.2 Analysis By Transaction Value

7 Analysis Of Credit Card Payments And Growth Prospects
7.1 Overall Category Size And Forecast
7.1.3 Analysis By Transaction Volume
7.2 Transaction Share Analysis By Channel
7.3 Personal Credit Cards Sub-category Size And Forecast

7.4 Commercial Credit Cards Sub-category Size And Forecast
7.5 Competitive Landscape
7.5.1 Scheme Share Analysis
7.5.2 Issuer Share Analysis

8 Analysis Of Debit Card Payments And Growth Prospects

9 Analysis Of Charge Card Payments And Growth Prospects
9.3 Personal Charge Cards Sub-category Size And Forecast
9.4 Commercial Charge Cards Sub-category Size And Forecast


10 Analysis Of Prepaid Card Payments And Growth Prospects
10.2 Open-loop Prepaid Cards Segment Size And Forecast
10.3 Closed-loop Prepaid Cards Segment Size And Forecast

11 Merchant Acquiring
11.1 Merchant Acquirers In Indonesia

12 Company Profiles Of Card Issuers
12.1 Pt Bank Internasional Indonesia
12.1.1 Key Financials
12.1.2 Card Portfolio
12.1.3 Strategies
12.2 Bank Danamon Indonesia
12.2.3 Strategies
12.3 Bank Central Asia
12.3.3 Strategies
12.4 Bank Mandiri
12.4.3 Strategies
12.5 Australia And New Zealand Banking Group Limited Indonesia
12.5.3 Strategies

13 Appendix

13.1 Methodology
13.2 Contact Timetric
13.3 About Timetric
13.4 Timetric’s Services
13.5 Definitions
13.6 Disclaimer
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