Suisse Avenir

What are the differences between the payment systems in Indonesia, and how will this impact transferring money?

They differ in their features and pricing plans in terms of "how to send money to Indonesia?" and how doing so will be affected. Some payment systems just act as financial middlemen, while others provide multi-currency wallets for holding several currencies and doing internal currency conversion. Digital banks exist that provide cashback, property and health insurance, and other services in addition to money transactions.