Alfamart
Alfamart is one of Indonesia’s most popular convenience store chains, with more than 19,000 branches (FitchRatings). It’s also one of the country's leading online-payment methods. Customers choose Alfamart at the checkout. Alfamart has four brands (Alfamart, AlfaMidi, Lawson, and DAN+DAN) The site generates a 16-digit code, which the consumer takes to the store. When they pay, the Alfamart store sends the payment to the merchant, which then releases the goods for shipment.
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Over the last year, Alfamart has opened around 2,000 new stores, increasing the reach and relevance of its payment method (FitchRatings).
In Indonesia, 14% of all transactions are cash. Given an online population of 212 million, this suggests a large e-commerce market that still relies on cash payments (PPRO Almanac).
In a country where 48% are unbanked (PPRO Almanac) this allows many people to participate in e-commerce.