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How are the payment systems in Indonesia different, and how will this effect money transfers?

Answering the question "How to Send Money to Indonesia?" and how it would effect transferring money, they differ in their characteristics and tariff plans. Some payment systems just act as financial middlemen, while others include multi-currency wallets for holding many currencies and converting them inside. There are digital banks that, in addition to money transactions, provide property and health insurance, cashback, and other services.