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Even though financial innovation plays an important role in the modern economy, surprisingly, few empirical studies have investigated the phenomenon. This research addresses how financial innovation is developed in Indonesia, how it is diffused from time to time, what factors drive and influence the e-banking implementation, how banks manage their e-banking offerings, and what lessons can be learnt from this case. An extensive case study research was conducted within five leading Indonesian banks. This study concludes by summarising the case of electronic banking development in Indonesia. Unarguably, customers and competitors play an important role in influencing e-banking services adoption. There is also an indication that bigger and older banks are not as innovative as their smaller and newer peers. Interestingly, the unavailability of legal protection does not discourage them to partner and cooperate with each other and it is likely that only few people drive innovation among Indonesian banks.
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