Digital banking transactions are gaining popularity due to improved customer experience. This trend is also supported by the growth in merchants providing cashless payment options for consumers. Bank Indonesia predicts the value of digital banking transactions to reach US$ 3.45 trillion (IDR 49.73 quadrillion) in 2022. Given the rapid growth in digital banking transactions, leading banks in Indonesia have prioritised investments in digital transformation and innovations. The pathway to digital transformation varies, based on banks’ growth strategies.

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