Peran Layanan Keuangan Digital yang Terus Berkembang dalam Ekonomi Digital

Financial services in Indonesia are changing fast. For example, QRIS payments reached 50.5 million users and 32.7 million merchants in 2024, with transaction volume hitting Rp 42 trillion (~US $2.57 billion). This surge shows how digital finance tools can reshape daily life and business. This blog sets the scene, explores how those tools are used, covers challenges, and leads into how the WFIS exhibition booths bring it all together.

Indonesia’s digital economy is growing. Experts estimate it will reach US $146 billion by 2025. At the same time, wider financial access is possible. The financial inclusion index rose from 49% in 2014 to almost 84% in 2023, adding an amount equal to seven Switzerland’s into the banking system. Internet use, too, nears 79%.

Those gains stem from government support, infrastructure gains, and fintech growth. Services like QRIS, e-wallets, and peer-to-peer lending make payments and loans easier for more people. Micro-businesses and low-income groups now get parts of the financial system that were out of reach.

How Digital Financial Services Are Reshaping the Financial Sector

Digital tools slide into old models and make them better. QRIS offers quick payments via QR codes at shops and markets. Digital banks and fintech lenders reach customers without costly branches. Platforms like Funding Societies (Modalku in Indonesia) have issued over US $2.6 billion in loans, across more than 5.1 million transactions.

Role of Digital Financial Tools in Supporting Business Operations and Daily Life

Small shops, drivers, freelancers, they all benefit. QRIS speeds up everyday sales and cuts the need for cash. SMEs can use fintech credit or digital payments to simplify business and reach more customers.

At the national scale, mobile wallets and digital loans help close the financial gap. Adoption among micro-businesses links to better business performance and growth.

Digital tools also serve remote or underserved areas. Indonesia’s national strategy for financial inclusion, in place since 2016, targets low-income groups, micro-entrepreneurs, women, the elderly, and underserved regions.

Challenges Faced by Financial Institutions in the Digital Transition

Not everything is smooth. Many digital bank users in Indonesia sign up but use accounts infrequently or not at all. That suggests weak digital habits or lack of trust.

Studies show digital literacy lowers perceived risk, but customers still need trust and human touch. Face-to-face help boosts confidence and use of digital services.

Cyber threats loom too. Institutions must guard against fraud, breaches, and data risks. Modernizing core systems, using cloud safely, and meeting regulations are all part of the path ahead.

Infrastructure gaps, such as uneven internet or digital support, also slow adoption, especially among small firms in remote areas.

Steps Being Taken by Banks and Fintech Companies to Improve Digital Access

Fintech firms and banks are testing new paths. Open finance and embedded banking aim to bring financial tools directly into daily platforms like apps or stores.

Cloud and AI help too. Secure cloud roadmaps are building the backbone for modern systems that meet compliance and regulatory needs. Meanwhile, AI tools assist with credit scoring, personal finance, and fraud detection.

Fintech lending like Funding Societies (Modalku) supports MSMEs with funds when they need it. QRIS and digital banking keep expanding access to payments and saving.

World Finance Innovation Series Indonesia in Driving Conversations

We host World Finance Innovation Series – Indonesia to turn these needs into sessions, clinics, and deals. The 2025 edition runs 25–26 November 2025 at Raffles Jakarta. Our agenda includes “Evolving Role of Digital Financial Services in the Digital Economy” and other timely topics that matter to banks, fintechs, and regulators. We design the program around live demos, clear metrics, and practical takeaways.

Our team curates speakers from policy, banking, and tech. We align sessions with current rules and guidance from Bank Indonesia and OJK. Content tracks cover instant payments, QRIS cross-border, BNPL risk, P2P oversight, and data governance under Law No. 27/2022. This keeps panels grounded in real policy and market data.

We also build safe data flows for the event. Registration, badging, and lead scans follow consent-first practice. We store and process attendee data with access control and clear retention windows, aligned with the Personal Data Protection Law. Our code of conduct and vendor checks reflect OJK and BI expectations on IT risk and payments. This gives partners confidence to share practical details in closed-door roundtables.

Why attend? The market is moving fast, but not all claims hold up. Our format gives you signals. You will see instant rails in action, policy talks with current numbers, and case studies that show cost, latency, and fraud results. Many readers who follow fintech exhibition Philippines also join us to compare formats and raise regional ties. We welcome that mix; it sharpens debate and speeds builds.

Conclusion

Digital financial services are reshaping Indonesia’s economy. Mobile payments like QRIS, digital banking growth, fintech lending, and SME tools have raised financial inclusion from 49% in 2014 to almost 84% in 2023. Financial access now spans 79% internet use and a growing digital economy projected at US $146 billion by 2025.

Still, many people sign up but don’t use digital tools. Trust, literacy, and infrastructure gaps remain. Fintech firms, banks, and regulators are advancing cloud, AI, embedded solutions, and safe infrastructure to bridge those gaps.Through WFIS exhibition booths, the Indonesia World Finance Innovation Series offers hands-on fintech product demonstration, policy insight, and peer learning. We bring real tools, real numbers, and real ideas forward. Join us, see what works, get inspired—and help shape Indonesia’s digital future.