Based on a survey conducted by Insight Asia (2023) and reported through databoks.katadata.co.id, one of the most widely used digital wallet applications by Indonesians is OVO (70%), Dana (61%), ShopeePay (60%), and LinkAja! (27%). Although OVO is one of the digital wallet apps with the largest number of users in Indonesia, it has received a fairly low rating and some negative reviews on the Goo…