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Digital bank adoption is changing how consumers manage money and what they expect when paying businesses. For merchants, this creates an opportunity to offer familiar payment options, simplify checkout, and adapt to customers’ changing habits.
A 2025 Populix survey of 1,100 Gen Z and millennial respondents in Indonesia found that 24% used digital banks to manage their finances, according to Katadata Databoks. Meanwhile, BCA Digital reported in September 2026 that Gen Z represented 56% of blu’s customers. These findings highlight the relevance of digital banking to younger consumers.
What does this mean for your business, and how can a payment gateway help? Here is what merchants need to know.
Also Read: Payment Gateway for E-Commerce: How It Works & What to Look For
What Is a Digital Bank?
A digital bank is a bank that delivers its services primarily through electronic channels. Indonesia’s Financial Services Authority, OJK, describes digital banks as Indonesian legal-entity banks that operate mainly through electronic channels, with no physical branches beyond their head office or with limited physical branches.
Customers can typically open accounts, transfer funds, manage savings, and make payments through an app. The available features depend on the bank.
For businesses, the relevance goes beyond where customers keep their money. Customers who manage everyday finances digitally may also expect straightforward, convenient payment experiences when shopping online.
This makes payment acceptance an important consideration: can customers easily use the banking services they already rely on to complete a purchase?
Why Does Digital Bank Adoption Matter for Businesses?
Digital bank adoption gives businesses another reason to review whether their payment options match customer preferences. The opportunity lies in three areas: serving relevant audiences, improving checkout, and managing a broader payment mix.
1. Serving Customers Who Already Use Digital Banking
Supporting a familiar payment channel can make it easier for digital bank users to buy from your business.
BCA Digital’s September 2026 figures illustrate the potential relevance to younger audiences: Gen Z accounted for 56% of blu customers, while millennials represented 35%. Together, these groups made up 91% of its customer base. These figures describe blu’s customers, rather than all digital bank users in Indonesia.
For merchants targeting similar audiences, this is a useful signal to investigate customer payment preferences.
2. Making Checkout More Convenient
A customer may be ready to buy but hesitate when the available payment options feel unfamiliar or inconvenient.
Offering a relevant digital banking payment channel can help address that obstacle. However, convenience also depends on clear instructions, a working payment flow, and accurate confirmation after payment.
The practical question is whether the option makes completing a purchase easier for your customers.
3. Preparing Payment Operations for Growth
As payment options expand, businesses need to manage more transaction records, payment statuses, and reporting requirements.
A connected payment setup can help teams handle this complexity. Merchants should consider both the customer-facing checkout and the operational work required after each transaction.
How Does a Payment Gateway Support Digital Bank Payments?
A payment gateway connects a business’s payment system with supported payment channels, which may include digital banking services, virtual accounts, cards, QRIS, and e-wallets.
Rather than developing separate connections for every provider, merchants can use a gateway to access multiple supported channels through a shared integration. Faspay, for example, offers multiple payment methods through one integration, with API and plugin options.
A simplified payment flow looks like this:
- The customer selects a payment method from the options available at checkout.
- The customer follows the channel’s payment instructions, including any required authentication.
- The merchant checks the transaction status through its integrated system or payment dashboard.
- The business processes the order after confirming successful payment.
The exact steps depend on the channel and integration. Before launching, merchants should test successful, failed, expired, and pending payment scenarios so customers receive appropriate instructions at each stage.
Beyond checkout, reporting tools can help businesses monitor transactions and support reconciliation—the process of matching payment records with orders and funds received.
Also Read: Understanding Payment Gateways: Definition, Functions, and Benefits
Can Digital Bank Payments Help Attract New Customers?
Digital bank payments can businesses serve prospective customers whose preferred payment options were previously unavailable. However, adding a payment method alone does not create demand or guarantee new customer acquisition.
Consider an illustrative example: an online retailer attracts younger shoppers through social media. Some visitors reach checkout but cannot find their preferred payment option. Adding a relevant channel may remove an obstacle for those shoppers.
The retailer still needs appealing products, competitive offers, and effective marketing to bring people to its store.
This distinction matters when evaluating results. Increased use of a new channel may simply mean existing customers have switched payment methods. To understand its contribution, merchants can review:
- Payment completion: Are more initiated payments being completed?
- New-customer purchases: Are first-time buyers using the channel?
- Customer feedback: Are shoppers reporting fewer payment difficulties?
- Operational impact: Is the channel manageable for finance and support teams?
These measures provide a clearer picture than payment volume alone.
How Does Faspay Connect Businesses with Digital Banking Services?
Faspay is an Indonesian payment gateway provider that helps businesses accept multiple payment methods, including Jenius and blu. Its published payment options also include virtual accounts, QRIS, e-wallets, and credit cards. Faspay is a Payment Service Provider (PJP) registered with and supervised by Bank Indonesia.
Through Faspay’s online payment solutions, merchants can connect payment acceptance with their website or application. Faspay also provides a dashboard with transaction summaries and reporting tools to help businesses monitor payment activity.
For merchants reviewing their payment setup, this provides a starting point for bringing relevant customer payment options into a more connected system.
Before activating a channel, discuss its availability, fees, settlement arrangements, and implementation requirements with the Faspay team. Existing merchants can also review whether adding Jenius or blu would better serve their customer base.
Conclusion
Digital bank adoption highlights a shift in how consumers manage money and expect to pay. For businesses, the opportunity is to make checkout more relevant to those habits while keeping payment operations manageable.
Start with customer preferences, choose suitable channels, and measure what changes after launch. A payment gateway can support this approach by connecting multiple payment options within a shared system.
Ready to offer payment options that fit your customers? Register now at Faspay and get the best Payment Gateway solution that is secure, fast, and reliable for your business.
