Indonesia digital wallet adoption reaches maturity, MarkPlus research shows

A MarkPlus Corp (MCorp) study titled “E-Wallet Research 2026: Usage Behavior & QRIS Landscape” reveals that 90.3% of respondents in Indonesia have used digital wallets for more than two years. This indicates a maturing digital payment ecosystem in the country.

QRIS (Quick Response Code Indonesian Standard) emerged as the most utilized feature, with 85.3% of respondents using it frequently. Other primary uses include bank or e-wallet transfers (77.3%), online shopping (70.8%), and digital product purchases (69.0%). For QRIS users, the main drivers for selection are transaction speed and ease (80.8%), followed by merchant network breadth (54.4%) and promotional benefits like cashback (51.3%).

In terms of brand performance, ShopeePay leads in several categories, including top-of-mind awareness for QRIS (37.7%) and frequency of use (40.5%). GoPay follows with 35.5% top-of-mind awareness and 32.6% usage frequency. DANA also maintains a significant presence, with 17.8% top-of-mind awareness for QRIS transactions. MCorp Chief Marketing Officer Yosanova Savitry noted that as usage deepens, consumers are increasingly seeking service flexibility and diverse funding source options.