Intan Nirmala Sari, 24, finds she has barely any cash in her wallet almost every morning, but that does not stop her from paying for her daily commute to her office in Jakarta.

A loyal customer of homegrown courier and ride-hailing mobile application Go-Jek, Intan is pleased by the arrival of Go-Pay, an online payment service offered by Go-Jek that allows a user’s balance to be used to pay for various services, including taxis, food deliveries, shopping and body-care services.

“I enjoy this kind of payment service as I am more of a less-cash type of person,” she said.

Like Intan, many urbanites are becoming more cashless and Go-Jek is jumping on the bandwagon by teaming up with banks that have wide customer bases to enable non-cash transactions for its services.

Participating banks include BCA, Bank Mandiri and BRI, so customers of those banks can transf...