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Good practice Imported

GoPay Within Gojek's Super-App - Converting Indonesia's Cash-Based Drivers and Merchants to Digital Finance

Indonesia · Jakarta · See the Indonesia profile · See the Jakarta profile

Evidence: Observational / pre–post Top 24% 92/100 · Ask Evidence Copilot about this practice

Gojek's GoPay wallet, bundled into its ride-hailing and delivery app, reached 900,000 drivers and 10 million users by 2017; independent University of Indonesia research finds one in four previously unbanked users now use formal banking after adopting it.

900,000
Drivers reached (by end of 2017)
125,000+
Merchants and micro-entrepreneurs reached (by end of 2017)
10 million
GoPay wallet users (by end of 2017)
1 in 4
Previously unbanked users now using formal banking
36% to 49%
Indonesia adult formal account ownership (2014–2017)
GoPay Within Gojek's Super-App - Converting Indonesia's Cash-Based Drivers and Merchants to Digital Finance

Details

Maturity
Established
Promoter
Gojek / GoPay (GoTo Group)
Period
2016-ongoing
Keywords
gig economy, mobile money, financial inclusion, ride-hailing

Context

Gojek integrated its GoPay digital wallet across its driver, merchant and consumer app from 2016 onward, requiring merchant partners to accept GoPay and giving drivers a built-in digital-payment and savings channel alongside their gig income.

Results

By the end of 2017, GoPay had reached 900,000 drivers, 125,000+ merchants and 10 million wallet users; independent research by Universitas Indonesia's LD FEB UI found one in four previously unbanked GoPay users now use formal banking services, with 60% of merchant partners making their first-ever cashless transaction through the app.

Implementation
Indicative cost
High (€500k–€5M)
Time to results
Medium (1–3 years)
Staffing & skills
merchant onboarding teams, driver partnership managers

Conditions for success

  • requiring merchant partners to accept GoPay payments as a condition of the platform relationship
  • bundling the wallet directly into an already widely used ride-hailing and delivery app

Commonly funded by

Own resources / municipal budget

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Data sources

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