2023 Indonesian e-Commerce Consumer Behavior Report


    Indonesia's e-commerce sector is one of the fastest growing sectors in Southeast Asia and accounts for 77% of the overall digital economy. Using primary data with more than 22 million e-commerce transactions from a sample of 2.2 million users, this report summarizes the transaction preferences and behaviors of Indonesian e-commerce consumers across gender, age, income, region, and many other categories, including their payment preferences during the post-pandemic. This report also discusses the trends and shifts in the usage of Paylater in Indonesia.

    This report is jointly published by Kredivo and Katadata Insight Center.

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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

    Our Principles

    Convenience

    Convenience

    We obsess over simplicity and minimalism. We want to build products that are so easy to use that users love them.

    Transparency

    Transparency

    The financial industry thrives on hidden charges and complex fee structures. We’re here to change that through simple, transparent and honest pricing.

    Access

    Access

    Financial services should be available to all. We’re on a mission to build access to whoever has a mobile phone.

    Our Products

    • Kredivo

      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

      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

      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.

      Open a Krom account today and start growing your money!

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    Our Investors

    Mizuho Bank
    Mirae Asset
    Naver
    Square Peg Capital
    Jungle Ventures
    Open Space Ventures
    MDI
    Cathay Innovation
    TMI
    Kejora Ventures
    Intervest
    GMO Venture Partners
    Alpha JWC Ventures
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