2026 Digital Payment Trends According to Visa

Digital payment trends in Indonesia for 2026, according to Visa, promise significant changes. Leadership in mobile commerce and the rising popularity of premium travel are driving the evolution of digital financial tools. Visa’s annual Green Shoots Radar report projects an increase in the use of digital payments among Indonesian consumers, especially in the context of premium travel. Visa is committed to supporting this trend by strengthening the electronic payment ecosystem. According to Visa Indonesia Country Manager Vira Widiyasari, Indonesians seek comfortable and secure financial transactions abroad. The trends include a massive shift to digital financial solutions. According to Visa, the average person uses three different digital wallets, illustrating a move away from cash transactions. Online commerce is set to dominate, with Indonesia leading Southeast Asia in mobile commerce. The study reveals that 86% of Indonesian consumers use shopping apps, with half of them making purchases through social media platforms. Credit cards remain the primary tool for large purchases, while cash and debit cards are favored for everyday small transactions. The popularity of multi-currency cards is also growing, with about 30% of travelers using them.