Indonesia: Paylater Use Surges, Consumers Urged to Choose Licensed Services

Indonesia's financial inclusion has surged, with the National Financial Literacy and Inclusion Survey (SNLIK) 2025 reporting an 80.51% index. This growth is fueling the adoption of digital financing services, commonly known as paylater.

Anggie Setia Ariningsih, Director of PT Commerce Finance, highlighted that these digital services offer a convenient alternative for fulfilling consumer needs. "As the financial needs of the community and the digital economy in Indonesia develop, digital financing services play an increasingly important role in expanding access to easy, safe, and responsible financial solutions," she stated.

However, the rise in paylater usage comes with a call for caution. Authorities and industry players are urging consumers to prioritize services licensed and supervised by the Financial Services Authority (OJK). This is crucial for safeguarding transactions and protecting consumers.

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As the financial needs of the community and the digital economy in Indonesia develop, digital financing services play an increasingly important role in expanding access to easy, safe, and responsible financial solutions.

Users are advised to understand the terms and conditions, including fees, manage their personal data securely, and only utilize these services within their repayment capacity. "Wise usage remains key so that these services truly help financial needs, not add to future burdens," Ariningsih added.

SPayLater, a digital financing provider, acknowledged the importance of technological innovation, financial literacy, and consumer protection in fostering a sustainable digital finance ecosystem. The company's efforts were recognized with the 'Best PayLater Service' award at the Selular Award 2026.

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Wise usage remains key so that these services truly help financial needs, not add to future burdens.