“ We see the use of digital technology as a means to help us in developing our products and services so as to tap into Indonesia’s large unbanked population. ”
Our strategy going forward will be to continue providing the services of a conventional payment bank in Indonesia. As a payment bank we deliver the necessary delivery channels, technology and qualified human resources needed to deliver efficiently upon the products and services that we offer – through this, BCA has earned the trust and loyalty of our customers and this has made us one of the largest and most profitable banks in Indonesia and Southeast Asia. We value our customers’ loyalty highly as we ensure the continuous improvement and reliability of our products and services which has enabled us to develop a large customer network. Due to our extensive customer base, we have been able to maintain low costs within our operations and therefore able to ‘cherry pick’ the best quality customers to lend to. This is why our non-performing loan ratio is less than 1% and why we continue to maintain steady growth.
Furthermore, we have also started to provide the necessary digital tools to capitalise on the rapid expansion of the use of digital technology in Indonesia’s banking industry. Currently, we offer mobile as well as internet banking services and we are looking to further take advantage of this digital progress so as to provide improved transactional convenience for our customers. In the long-term, we see advancing technology replacing the use of conventional bank cards; we see this progress as a means to help us in developing our products and services so as to tap into Indonesia’s large unbanked population.