Indonesia | Aurato

Indonesia
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Indonesia’s QRIS lets bank and wallet apps pay a common merchant QR code. Micro, small and medium firms made up over 93% of QRIS merchants in H1 2025, making interoperable acceptance central to serving local businesses alongside cards and transfers across the rupiah economy.

Population

286M

GDP

$1.4T

GDP per Capita

$5K

GDP Growth

5.1%

Deepdive

World Bank, World Development Indicators (WDI), 2025

Cash in Indonesia

QRIS is expanding Indonesia's digital checkout, but demand for physical rupiah cash continues to be strong around Ramadan and Eid. Geography matters: distributing usable banknotes across the archipelago is a central-bank priority.

ATMs (PER 100K)

45.8

BANKS (PER 100K)

11.0

DEBIT CARDS (PER ADULT)

1.5

CREDIT CARDS (PER ADULT)

0.1

Compare

IMF, Financial Access Survey (FAS), 2025