ENTICED by discounts and cash-backs, Risnatya (25) invited her friend to open an OVO digital wallet at Gandaria City Mall in South Jakarta, last Wednesday. She has been using the payment app since late 2017, paying her purchases with e-money to get discounts, or when she does not have enough cash with her. “Sometimes I use points without spending any money. I often buy meals. This is pretty good,” she said about the app.

With payment