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66% E-commerce Customers Prefers to Make Payments with E-wallet

“66% E-commerce Customers Prefers to Make Payments with E-wallet”

In recent years, the landscape of e-commerce in Indonesia has undergone a remarkable transformation, particularly in the realm of payment preferences among consumers. A significant trend has emerged, Muniyo Quick Polling found that 66% of e-commerce customers now prefer to make payments using e-wallets, overshadowing traditional methods such as cash on delivery, virtual account transfers, credit cards, and paylater options.

As digital technology continues to evolve, so too do the preferences of consumers. E-wallets have surged in popularity due to their convenience and the seamless experience they offer. Users can easily link their bank accounts or credit cards to these digital wallets, allowing for quick transactions with just a few taps on their smartphones. This shift is particularly pronounced among younger generations who are more inclined to embrace digital solutions over traditional payment methods (IDN Research Institute, 2025, bisnis.com).

In contrast, methods like cash on delivery, while still favored by some, present challenges such as the need for physical cash and potential delays in order fulfillment. Similarly, virtual account transfers can be cumbersome, requiring users to navigate multiple steps before completing their transactions. Credit cards and paylaters, though widely accepted, often involve interest rates. This means that consumers can quickly find themselves in a cycle of debt if they fail to pay off their balances on time, as the total amount due includes interest from the outset (idntimes.com).

The demographic landscape also plays a crucial role in this trend. According to recent studies, millennials and Gen Z consumers are leading the charge towards e-wallet adoption (goodstats.id). These tech-savvy individuals are not only comfortable with digital platforms but also seek out innovative payment solutions that align with their lifestyle choices. As they become a larger segment of the consumer market, their preferences will likely shape the future of e-commerce payment methods.

How do you envision the future of online shopping and payment methods shaping your own purchasing habits? Share your thoughts in the comments!

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