If they can send money to Indonesia, doesn’t it mean they already have a local bank account in Indonesia?

I can think of three possible situations:

  1. Many countries have regulations on inbound and outbound transfers. In certain countries, one can send money to that country, but sending money from that country may not be allowed by law.
  2. Secondly, even if it is allowed by law, there might be a different or a restricted money transfer license that would allow outbound payments.
  3. Commercial viability: It may not be commercially viable for them to work on the outbound market. Indonesia is predominantly an inbound market.