LinkAja is one of Indonesia’s largest digital payment methods. Established in 2019 by a group of state-owned enterprises, it’s designed to broaden financial inclusion by not requiring consumers to have a bank account in a country where 48% of the population is unbanked.

Consumers load funds to their LinkAja wallet via bank transfer, cash deposit at ATMs, or participating local convenience stores. Payments are completed by entering their phone number, PIN and verification code.

E-Wallets are the most popular payment method amongst Indonesians, with 39% opting to use one to pay for services and goods – LinkAja is in the top four.