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Data Transaksi Kartu ATM, Uang Elektronik, dan Kartu Kredit di Indonesia sampai Agustus 2024 | Databoks Home Data Transaksi Kartu ATM, Uang Elektronik, dan Kartu Kredit di Indonesia sampai Agustus 2024 Data Transaksi Kartu ATM, Uang Elektronik, dan Kartu Kredit di Indonesia sampai Agustus 2024 Nilai Transaksi Kartu ATM, Uang Elektronik, dan Kartu Kredit di Indonesia (Januari 2018-Agustus 2024)* Sumber : Bank Indonesia (BI),
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Penulis: Viva Budy Kusnandar
Editor: Adi Ahdiat
14/11/2024, 11.11 WIB
Nilai transaksi menggunakan kartu ATM dan debit jauh lebih tinggi dibanding uang elektronik ataupun kartu kredit.
Berdasarkan laporan Bank Indonesia (BI), pada Agustus 2024 nilai transaksi kartu ATM dan debit secara nasional mencapai Rp590,77 triliun, sedangkan uang elektronik Rp220,87 triliun, dan kartu kredit Rp37,19 triliun.
Angka yang tercatat di sini merupakan nilai total transaksi tunai, transaksi belanja, dan transfer.
Adapun uang elektronik dan kartu kredit memiliki laju pertumbuhan yang lebih kuat, kendati nilainya lebih kecil dibanding kartu ATM dan debit.
Selama periode Januari–Agustus 2024 nilai transaksi kartu ATM dan debit mencapai Rp4,89 kuadriliun, turun 7,13% dibanding Januari–Agustus 2023 (year-on-year /yoy).
Di sisi lain, nilai transaksi uang elektronik Januari-Agustus 2024 melonjak 35,76% (yoy) menjadi Rp1,6 kuadriliun.
Kemudian nilai transaksi kartu kredit Januari-Agustus 2024 tumbuh 7,18% (yoy) menjadi Rp284,63 triliun.
Nilai transaksi uang elektronik tumbuh lebih cepat dan sudah melampaui kartu kredit sejak Januari 2019, seperti terlihat pada grafik.
Berikut jumlah alat pembayaran menggunakan kartu (APMK) dan uang elektronik di Indonesia per Agustus 2024, diurutkan dari yang terbanyak:
Uang elektronik: 887,8 juta unit Kartu ATM dan debit: 316,58 juta unit Kartu kredit: 18,23 juta unit (Baca: Nilai Transaksi Uang Elektronik Capai Rp1,6 Kuadriliun pada Januari-Agustus 2024 )
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