2024 Indonesian PayLater User Behavior Report


    In recent years, PayLater has grown into one of the most popular digital payment methods in Indonesia. The shift in customer’s shopping behavior from online to offline has driven the increased use of PayLater. Using primary data, this report summarizes the transaction preferences and behaviors of Indonesian PayLater users across gender, age, income, region, and many other categories, including their payment behaviors while using PayLater both online and offline. This report also discusses the latest insights of the PayLater landscape, as well as the potential and latest trends in PayLater payments.

    This report is jointly published by Kredivo and Katadata Insight Center with a foreword from the Indonesian Financial Services Authority (OJK).

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    Our Vision

    Kredivo Group is building the future of financial services: fast, affordable and widely accessible, wrapped up in a beautiful UX

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      Kredivo

      Kredivo

      Kredivo gives customers instant credit financing for ecommerce purchases and personal loans based on real-time decisioning. Buy now and pay later, or borrow with the lowest interest rate amongst all digital lenders in the country. For ecommerce merchants, Kredivo enables instant Point of Sale (PoS) financing with a unique and simple 2-click purchase option that makes buying a joy!

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      KrediFazz

      KrediFazz

      With lower interest than other similar service providers, KrediFazz offers customers the benefit of instant cash loans in a fast and easy way.

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      Krom

      Krom

      With Krom, you can easily and conveniently manage your finances to reach your financial goals. Whether you’re saving for a down payment on a house, planning for retirement, or simply building an emergency fund, Krom can help you get there. You can carry out various banking activities easily, anytime and anywhere without the need to visit a branch office.

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