OVO
Business Profile
Core Value Proposition
OVO provides faster, cashless payments, rewards through OVO Points, and priority benefits across a wide network of merchants.
Target Customer
End users: Indonesian smartphone users who want to pay with digital wallet, earn points, manage their finances, top up, pay bills, donate, and invest. Merchants/partners: businesses that accept OVO for payments and participate in deals/promotions (e.g., Matahari Rewards/OVO, OVO-hicard) and other partner integrations (e.g., Grab PayLater).
Key Differentiator
Integrated ecosystem combining payments, loyalty points, deals, and financial services (Invest, PayLater, transfers) within a single app, supported by a large merchant network (60,000+ outlets) and a fixed point value (1 OVO Point = Rp 1).
Implementation Timeline
Value delivered instantly for core actions (payments, top ups, points accrual, and promo availability); ongoing benefits from points, deals, and financial services as you use the app.
Pain Points
- 1Cash handling risks and need to avoid counterfeit money and change hassles.
- 2Fragmented payments and loyalty across multiple merchants requiring multiple apps or methods.
- 3Desire for budgeting and financial management, plus access to payments, bills, top ups, and investments within one platform.
Key Features
- 1OVO Points: earn points per transaction and redeem them; 1 point = Rp 1
- 2Deals & Promo: exclusive offers and promotions with partner merchants
- 3OVO Premier: enhanced capabilities including transfers to bank accounts and P2P transfers; OVO Cash balance up to Rp 20,000,000
- 4Top Up Praktis: OVO Cash can be topped up via ATM, m-Banking, Internet Banking, Debit Card, or partner merchants
- 5Bayar Tagihan & Isi Pulsa: pay bills and top up electricity, telecom, internet, or insurance; purchase pulsa
- 6Donasi: donation functionality
- 7OVO Invest: investment capabilities
- 8Nge-Grab PayLater: PayLater option when using Grab; promotions available (valid until 31 October 2025)
- 9Extensive merchant network: 60,000+ outlets for cashless transactions
Target Customer Industries
Client Results
- 1Faster, cashless transactions across a wide merchant network
- 2Earning and redeeming OVO Points with purchases
- 3Access to exclusive deals and promotions
- 4Comprehensive financial actions: top up, bill payments, donations, and investments
- 5Flexible payment options (e.g., PayLater integration with Grab)
Competitive Advantages
- 1Large and broad merchant network (60,000+ outlets)
- 2Fixed value for points (1 OVO Point = Rp 1)
- 3Multiple financial services in one app (payments, transfers, top ups, bills, investments, Donasi)
- 4OVO Premier with bank transfers and cross-user transfers
- 5PayLater capability via partner integration (Grab) and various promotions
Key Benefits
Additional Product Information
Product Description
OVO is a digital wallet app that enables cashless payments, rewards through OVO Points, and access to a suite of financial services (top ups, bill payments, donations, investments, and PayLater) across a large Indonesian merchant network.
Target Market
Indonesian consumers seeking cashless payments, loyalty rewards, and financial services; merchants and brands wanting to accept OVO for payments and promotions.
Unique Value Proposition
A single wallet that combines payments, rewards, and financial services across a vast merchant network, delivering instant transactions, ongoing rewards, and flexible financing options.
Technical Requirements
Not specified
Pricing Model
Not specified
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