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Nilai Belanja Uang Elektronik Melampaui Kartu ATM dan Kartu Kredit | Databoks Home Nilai Belanja Uang Elektronik Melampaui Kartu ATM dan Kartu Kredit Nilai Belanja Uang Elektronik Melampaui Kartu ATM dan Kartu Kredit Nilai Transaksi Belanja Menggunakan Kartu ATM/Debit, Kartu Kredit, dan Uang Elektronik di Indonesia (Januari 2019-Agustus 2024) Sumber : Bank Indonesia (BI),
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Penulis: Viva Budy Kusnandar
Editor: Adi Ahdiat
Popularitas uang elektronik atau e-money di Indonesia terus menguat hingga menyaingi kartu ATM/debit maupun kartu kredit.
Hal ini tercermin dari nilai transaksi belanja menggunakan e-money yang lebih tinggi, yakni mencapai Rp55,74 triliun pada Agustus 2024. Sedangkan transaksi belanja dengan kartu ATM/debit Rp43,38 triliun, dan kartu kredit Rp36,48 triliun.
Tren ini sudah terjadi dalam empat bulan terakhir, tepatnya selama Mei-Agustus 2024. Sebelumnya kartu ATM/debit mendominasi pembelanjaan dengan alat pembayaran menggunakan kartu (APMK) seperti terlihat pada grafik.
Selain nilai belanjanya paling tinggi, uang elektronik juga tumbuh paling kencang.
Sepanjang Januari-Agustus 2024 nilai transaksi belanja menggunakan e-money mencapai Rp372,91 triliun, melonjak 27,65% dibanding Januari-Agustus tahun lalu (year-on-year /yoy).
Kemudian nilai transaksi belanja kartu kredit Januari-Agustus 2024 tumbuh 7,32% (yoy) menjadi Rp279,04 triliun.
Sedangkan nilai transaksi belanja kartu ATM/debit Januari-Agustus 2024 turun 7,48% (yoy) menjadi Rp356,07 triliun.
Berikut rincian volume transaksi belanja uang elektronik dan APMK periode Januari-Agustus 2024:
Uang elektronik: 6,29 miliar kali transaksi Kartu ATM/debit: 0,86 miliar kali transaksi Kartu kredit: 0,29 miliar kali transaksi (Baca: Data Transaksi Kartu ATM, Uang Elektronik, dan Kartu Kredit di Indonesia sampai Agustus 2024 )
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