Tag Archives: financial

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Indonesia Consumer Financial Habit 2023 on Gen Z, Millennials and Gen X

Consumers habit are differed across generations, in this series of report JAKPAT will share highlights of insights showing differences behavior, habit and preferences in between generations. The report will cover Generation X, Millennials, and Generation Z in Indonesia.

First series will take you to look at their Financial Habit.

Key Research points: 

  • Financial Product Usage and Preferences
  • Source of Income
  • Allocation to Expenses and Savings
  • 3 Personas based on Financial Habit
  • Financial Dependency

Here are some preview of the report

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Complete Report Can Be Downloaded Below


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or Email Us at partner@jakpat.net




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2022 Investment Trend – JAKPAT Survey Report 2022

In the last few years, the number of investors grew significantly and is dominated by young generation with the age of under 30 years old. Beside the growth of the number of investors, nowadays various investment products and investment platforms or mobile application also available. Not only specific investment platform or apps, but people now can also invest through marketplace and e-wallet which are already installed on their smartphone. In this report, JAKPAT will present the trend of investment among JAKPAT respondents nationwide.

Eggs in a Basket

Starting Young


For more detailed data, please download the PDF file down below.

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Header Spending on Payday

Spending on Payday – JAKPAT Survey Report 2022

Most people receive their salary or other type of income at the beginning or at the end of each month. It is common for people to get tempted to spend more or to shop more on payday.
E-commerce and other businesses use this moment for marketing activity, such as creating Payday Sale campaign. In this report JAKPAT wants to find out what people usually do right after and within several days after receiving salary or monthly income, and their awareness about Payday Sale campaign.

Financial Related Activities

Online Purchase Activity

For more detailed data, please download the PDF file down below.

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Welcoming Ramadan 2022 – JAKPAT Survey Report

Ramadan is just around the corner and it will be Indonesia’s 3rd Ramadan and Eid al-Fitr during Covid-19 pandemic. Two years in pandemic, people are already try to adapt with new normal, doing activities outside the house with health protocol. This is might also affecting this year Ramadan and Eid’s tradition or habit, compared to two previous Ramadan. Thus, JAKPAT tries to describe Muslim’s plan regarding the most awaited moment of the year to give insights about what’s going to happen in the Ramadan and Eid al-Fitr 2022.

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Indonesia Digital Wallet Trend 1st Semester of 2020 – JAKPAT Survey Report

The cashless society in Indonesia is increasingly popular as technology literacy increases. According to the 2019 Fintech Daily Social Indonesia Report, the digital wallet or “e-wallet” platform is the most popular financial technology “fintech” category in Indonesia¹. In 2019, the value of electronic money transactions surged sharply by 207% to Rp 145.2 trillion². Whereas, the digital wallet is highly recommended by the government due to the new normal period to avoid physical contact.

Relevant to that matter, JAKPAT has conducted a survey of 1,441 internet users to understand the use of digital wallets in Indonesia. This report will discuss trends of digital wallets in this new era, major players in the industry, and focus on server-based digital wallet payments.




 For more detailed data, please download the PDF file down below.

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E-money Usage Survey Report in Indonesia

Bank Indonesia defines e-money as stored-value or prepaid products in which a record of the funds or value available to a consumer is stored on an electronic device in the consumer’s possession (Hidayati, Nuryanti, Firmansyah, Fadly, & Darmawan, 2006).

According to Detik, e-money usage in Indonesia had increased positively from 2009 to 2012. In 2009, e-money transaction reached 1.4 billion IDR a day. Then in 2010 it reached 1.9 billion IDR. In 2011, the transaction reached 2.7 billion IDR. Then, next, in 2012 it reached 3.9 billion IDR. We can see that on each year, e-money transaction grew 120%.


Based on those facts, JAKPAT tried to conduct a survey concerning e-money usage in Indonesia. We tried to know the reason encouraging Indonesians for using e-money. Next, this survey was followed by 489 respondents.

30%+ Use E-Money


At first, we chose respondents having and using e-money among 498 respondents that would be analyzed in this survey. Because from those respondents we found that only 168 respondents have and use e-money (34.36%), thus those respondents answer the following questions in this survey. More respondents not having and using e-money (66.06%).

91.67% Own At Least One

While questioning about how many kinds of e-money that they have, most respondents answered that they have 1-2 kinds each(91.67%). We found most respondents that own at least one e-money here are college students.

Transportation is main driver

Respondents have several reasons for using e-money but mostly they use it to pay their transportation fares (55.23%), and second, to pay their bills (40.70%), such as electricity bill and telephone bill. Below are the comparison between male vs female respondent in using e-money :

Q4 (multiple answer) : why do you use e-money as your payment method?
Male Female
Option 1 : i want to pay my bills (ex: purchasing over particular merchant like Indomaret, electricity bill, telephone bill, toll bill and TV cable bill)
70 37 33
40.70% 21.51% 19.19%
Option 2 : i want to pay my transportation fare (ex: train, busway and plane)
95 46 49
55.23% 26.74% 28.49%
Option 3 : i want to pay my online purchasing
45 25 20
26.16% 14.53% 11.63%
Option 4 : i want to pay my voucher game
15 11 4
8.72% 6.40% 2.33%
225 119 106
130.81% 69.19% 61.63%

Flazz BCA as Most Popular One

We also asked what e-money they own and prefer to use. Results are shown in table below :

1 Flazz 96 55.81 %
2 Mandiri E-Cash 53 30.81 %
3 Indomaret Card 49 28.49 %
4 BRIZZI 38 22.09 %
5 E-Toll Card 33 19.19 %
6 Rekening Ponsel 28 16.28 %
7 XL Tunai 16 9.3 %
8 TCash 15 8.72 %
9 JakCard 13 7.56 %
10 DokuWallet 9 5.23 %
11 Mega Cash 8 4.65 %
12 Dompetku 8 4.65 %
13 TapCash 6 3.49 %
14 Kartuku 4 2.33 %
15 GazCard 3 1.74 %

It turns out that Flazz BCA is the most popular one followed by Mandiri E-Cash.





For more detail you can download XLS report at the button below. AKPAT report consists of 3 parts which are 1) Respondent Profile, 2) Crosstabulation for each question and 3) Raw Data. Respondent profile shows you demographic profiles ( gendr,age range, locationby province, and monthly spending). Cross tabulation enables you to define different demographic segment preference on each answer.

Click the icon to download XLS report

If you’re interested to do survey on retail and consumer goods field toward our respondents, we have over 23,000 mobile respondents ranged from age 17-50 years old, smartphone active users, and located in all regions of Indonesia that has installed our app and readily answering your survey.

Those 23,000 respondents has been verified, profiled, and continuously tracked to make sure you get the updated profiles of them. Our respondents has been profiled based on their demographic (age,gender,location, spending level, profession,religion), lifestyle habit (smoking/non, gamers/non, wearing glasses/non, frequent flyer/non, online shopper/non), and also brand consumption level ( brand A users, brand B users in FMCG, Retail, E-commerce,etc). 

If you want to do research toward our respondent, please signup here and directly create your survey there. Or directly contact our Bizdev - Chrisprastika at +62-878-3908-9833. To non-Indonesian client, we offer free translation from foreign languages includes English, Chinese,Hindi,etc.