A survey from Kadence International Indonesia shows that 44 percent of users use digital payment methods up to 4 times a week. In line with that, Bank Indonesia (BI) also reported that electronic money transaction values grew by 49.06 percent year-on-year during 2021.

They also predict that digital payments will grow rapidly in the coming years. This means that digital transactions immensely contribute to the growth of Indonesia's digital economy.

What are Digital Payments?

Digital payments are transactions that take place via online or digital modes. Simply put, users can make transactions without going to the bank or using cash in the process. With only clicks away through their gadget, they can pay off their bills quickly, easily, and safely. 

In fact, digital payments have now become an integral part of our payment methods, courtesy of their convenience and security. Various features and innovations also encourage people to know more about digital payments.

4 Digital Payment TypesBRI employees use Direct Debit at the cafe

There are several types of digital payments that are commonly used. Here are five of them:

1. Electronic money

Electronic money is defined as an electronic store of monetary value on a card-based device. Thus, with a single card, you can store the amount of money you need without carrying too much weight on you.

BRIZZI is an example of card-based electronic money. With it, you can make any transactions for various purposes, such as e-toll payments, parking, and public transportation.

2. Internet Banking

Internet banking is a digital banking service for various non-cash transactions that can be accessed via the internet network. In order to use it, you must first register and activate your internet banking account.

You can access internet banking services through the bank website. For example, you can use BRI internet banking by accessing https://ib.bri.co.id/ which can be accessed for 24 hours. 

After logging in to your account, you can proceed to do various financial activities such as checking balances, payments, top-ups, account mutations, and transfers between BRI Bank accounts.

3. Mobile Banking (M-Banking)

Mobile banking or m-banking is a banking service that allows its customers to conduct financial transactions using a mobile device. It is easy to use and usually available on a 24-hour basis. 

BRI has BRIMO as its financial super-app where customers can make various transactions easily with just one application. You can transfer, top-up funds to an e-wallet, top-up BRIZZI funds, conduct transactions using BRI Virtual Accounts, or make payments with QRIS.

4. E-wallet

An e-wallet, also known as a digital wallet, is a financial service on an application that functions to store an amount of money. An eE-wallet needs to be linked with the individual’s bank account to conduct transactions.

Currently, there are many e-wallet providers that have collaborated with banks. Examples of popular e-wallets include Gopay, OVO, Dana, and LinkAja. To use the e-wallet, you must top up your funds.

Through BRI Direct Debit service, BRIAPI supports top-up services for e-wallets. By integrating BRI Direct Debit API, it will be easier for consumers to top up their e-wallet in just a single click.

Roles of BRIAPI for Indonesia's Digital Payment SystemBusinesses utilize BRIAPI for their digital payment systems

As mentioned earlier, digital payments in Indonesia continue to grow. Thus, the digital economy ecosystem gradually takes shape, driving more and more people to use digital payments.

With the increasing demand, businesses need to establish their digital infrastructure to provide the best digital payment options for their customers. That is why BRIAPI exists: to help various institutions with their digital financial governance.

As a BI standardized open API, BRIAPI seeks to realize the vision of the Indonesia Payment System Blueprint 2025, particularly in creating a system that can provide transparent and secure access to financial data and information. 

In fact, BRIAPI services facilitate all types of digital transactions. Various institutions use BRIAPI to provide a digital payment system, giving an extraordinary experience for its users.

Let's take a look at Kredit Utama Fintech Indonesia (KUFI), a peer-to-peer (P2P) lending company that has succeeded in accelerating funding distribution. KUFI uses five BRIAPI products: Direct Debit, BRIVA, Transfer to BRI Accounts, Account Statement, and Account Information. They have supported the acceleration of KUFI services to its borrowers.

There is also DOKU, a payment gateway company that has succeeded in expanding its business reach with BRIAPI. As a business that connects merchants with banks, DOKU provides BRI with more options in payment channels through BRIVA and BRI Direct Debit. Those two BRIAPI products help BRI customers to conduct transactions through DOKU.

BRIAPI also cooperates with non-digital companies such as educational institutions. One of them is University of Dayanu Ikhsanuddin (UNIDAYAN), the first private university in Baubau City, Southeast Sulawesi. After integrating BRIAPI, UNIDAYAN succeeded in increasing the percentage of student transactions up to 100 percent. This also proves BRI's commitment to providing financial services to all regions of Indonesia without exception.


With its high flexibility of technology, BRIAPI has assisted more than 386 partner companies throughout 2021. You can also be one of them by using BRIAPI to activate digital payment systems. Integrate with BRIAPI and scale up your business today.