According to a report conducted in 2018, there are currently around 132 million Internet users in Indonesia today. Of these 132 million users, approximately 50 million of them use a smartphone as their primary means of using the Internet. Although there is no exact figure on the anumber of these users who use online banking services, the fact that the use of online banking services in Indonesia has been on the rise allows one to infer that online banking services in Indonesia are used by a significant portion of the Indonesian population and are becoming more commonly used all the time.