Digital Shopping to Dominate Ramadan 2026 in Indonesia

Indonesia’s economic landscape during Ramadan in 2026 is predicted to undergo massive digital transformation. Visa released its latest projection, showing that increasingly widespread adoption of digital payments will become the primary driver of consumer spending growth throughout the holy month and into Eid al-Fitr.

The report confirms that total card spending during Ramadan 2026 is estimated to exceed the previous year’s achievements. This phenomenon is driven by strong domestic consumption and the penetration of contactless payment technology, e-commerce, and in-app transactions spread across Indonesia.

A key finding in this report is the formation of increasingly hybrid consumer behaviour. Currently, approximately 62 per cent of Indonesians are accustomed to shopping online two to three times per month. The integration between online product search and offline purchase execution has now become the new standard for Indonesian consumers.

Vira Widiyasari, Country Manager of Visa Indonesia, emphasised that a structural shift is currently occurring in the Ramadan economy. “We are seeing a change from merely increasing volume towards more sophisticated and digital-native consumer behaviour. Seamless integration between online product search and offline purchases has now become a basic expectation. For businesses to succeed during this crucial period, they must offer safe payment experiences without obstacles, aligned with the flexibility of today’s consumer journey, whether booking travel or purchasing holiday necessities,” she stated.

Visa projects that digital shopping activities will intensify in the second half of Ramadan. Peak transactions are expected to occur in the third week, as purchases of travel tickets (mudik), gift shipments (parcel deliveries), and holiday preparation needs increase through digital platforms.

Data analysis shows that the final ten days before Eid al-Fitr remain the most crucial period for the retail ecosystem. Although transaction volume historically declines 30–40 per cent on Eid al-Fitr due to the public’s focus on worship, shopping patterns are predicted to rebound quickly afterwards.

For business operators, this surge in digital shopping is not merely an increase in numbers, but rather a strategic roadmap for winning the market. “Data shows a very concentrated window of opportunity in the final weeks, followed by a predictable pause during Eid al-Fitr,” said Simon Baptist, Asia Pacific Principal Economist at Visa. “Our insights indicate that businesses that proactively align their supply chains, targeted promotions, and payment infrastructure with the predictable surge—especially in high-growth categories such as travel—will gain significant competitive advantage in 2026.”