Building A Resilient

Digital Ecosystem
Transforming Lives Through Technology

Amar Bank | 2020

The Impact of Digital Technology
Digital technology has
affected almost all aspects of
our lives. From communication
network, consumption,
employment, banking services,
to buying groceries, almost
everything has been digitized.
Source by Hootsuite (We are Social)
Customer’s evolving lifestyle
that demands practicality and
speed has pushed banks to
make immediate digital
transformations.
In Indonesia,
the demand for digital banking services continues to
rise along with the number of active internet users in
2020, reaching up to 175.4 million people,
which accounts for 64% of the total Indonesian
population. Banks are expected to provide faster, more
convenient, practical, and accessible financial services
at an affordable cost.
Amar Bank | 2021
Customers’ Changing Behavior
after Covid-19

Over half of Indonesian but 60 percent of consumers have

consumers are optimistic recently experienced a reduction in
about a quick economic household income and savings. As a
rebound result, consumers are reducing their
discretionary spending, adopting
new habits to save money.

9 of 10
Indonesians citing value and
convenience as drivers for trying
new places to shop.
Source by Mckinsey
Amar Bank | 2021
 We have seen five fundamental pillars in OJK digital banking
transformation blueprint, which will impact the next generation of
digital bank.

DATA TECHNOLOGY RISK COLLABORATION GOVERNANCE

- IT Governance MANAGEMENT - Finance &
- Data Protection - Platform
- Data Transfer - Technology - IT Risk Investment
Sharing
- Data Governance Architecture Management - Culture
- Cooperation
- Gamechanger - Outsourcing - Leadership
with non-FI
Technology - Cybersecurity - Organizational
design
- Talent

Amar Bank | 2021

Increasing Adoption Digital Banking
of
The pandemic has also forced people to adopt
digital technology at a faster rate, further increasing
the demand in the market.
Rising customer
expectations as adoption of
In the first few months of the COVID-19 pandemic, digital banking increases.
use of online and mobile banking channels across
countries has increased by an estimated 20% to
50% and is expected to continue at this higher
level once the pandemic subsides. Across diverse
global markets, between 15 and 45 percent of
consumers expect to cut back on branch visits
following the end of the crisis.

Bank services usage post-COVID-19

expectations | Percent of respondents

Online banking, e., paying Mobile banking, eg, Visiting a branch for
bills online using a mobile app making a transaction
APAC Will use more
Indonesia 8 40 8 42 34 16
Source by mckinsey.com
Will use less

Amar Bank | 2021

Banks are expanding their use of AI technologies to improve
customer experiences and back-office processes

Front office Back office

Smile-to-pay-facial Micro-expression Biometrics (voice, video, Machine learning to

scanning to initiate analysis with virtual loan print) to authenticate detect fraud patterns,
transaction officers and authorize cybersecurity attacks

Conversational bots for Humanoid robots in Machine vision and Real-time transaction
basic servicing requests branches to serve natural language analysis for risk
customers processing to scan and monitoring
process documents

Amar Bank | 2021

 Name : Anya
Age : 28 years
Occupation : Working Professional

Intelligent Personalized Omnichannel Banking and beyond banking

Amar Bank | 2021

How AI transforms banking
a small-or medium size
enterprise customer.

Name :
Dany
Age : 34
years
Occupation : Entrepreneur

Intelligent Personalized Omnichannel Banking and beyond banking

Amar Bank | 2021

 Cloud
Computing
Amar Bank
IT Maturity
Artificial
We have been utilizing Big Data and Data Data Intelligence &
Analytics technology since 2014, as Analytics Machine Learning
evidenced by the success of Tunaiku
Product which utilizes Predictive Data
Modeling.

Amar Bank | 2021

 A. Tech-forward strategy (In-house build of differential capabilities
vs buying offerings; in-house talent plan)

Core
D. Intelligent E. Hollowing F. Cyber
technology B. Data C. Modern
infrastructure the core security and
and data management API
(AI operations (Core control tiers
for AI World architecture command, hybrid Modernization)
cloud setup, etc)

A. Autonomous business + tech teams

Operating
model
D. Modern E. Culture and
B. Agile way of C. Remote talent strategy capabilities
working collaboration (hiring, reskilling) (Core Modernization)

Amar Bank | 2021

The perks of using AI
AI technologies can help
boost revenues through
increased personalization of
services to customers (and
employees);
Lower costs through
efficiencies generated by
higher automation,
reduced errors rates, and
better resource utilization;
Uncover new and
previously unrealized
opportunities based on an
improved ability to process
and generate insights from
vast troves of data.
Amar Bank | 2020
Key outcomes for
banks
& financial industries
Four key outcomes:

Benefiting more At-scale Distinctive Rapid innovation

people personalization omnichannel cycles
experiences, and
Gif Source by Giphy

Amar Bank | 2021

Company’s Philosophy,
Mission And Vision

Company Philosophy (Belief) ‘Technology must impact

lives, must improve lives.’

To provide banking to
To bring smiles on 200
those who ‘need’ and not
million faces by 2025
only to those who ‘want’

Amar Bank | 2021

Amar Bank Digital
Ecosystem

1st Fintech Pioneer 1st Digital Bank Launched on

in Indonesia Cloud

Amar Bank | 2021

“
Pinjaman mudah

dengan cicilan ringan
● Pionir fintech di Indonesia
● Plafon pinjaman IDR 2 - 20 juta
● Tanpa agunan maupun riwayat
kartu kredit
“
● Persetujuan kredit dalam 24 jam
● Tenor 6-20 bulan (cicilan tetap)
● Hadir di 16 kota besar

> Rp 6,6 Triliun 9.000.000+ > 40.000.000

Jumlah Pengunjung
Jumlah pinjaman yang Aplikasi pinjaman
Website dan Mobile
telah dicairkan yang diterima
Apps

> 6,7 juta 4,4

Jumlah Instalasi Rating Aplikasi di
Mobile Apps Google Play Store
Dengan Senyumku, kamu bisa:

Savings Invest Expenditure

Membangun Keuntungan yang Melacak pengeluaran
kebiasaan menarik untuk sehari-hari dan
menabung untuk menghimpun menggunakan Ai untuk
menggapai mimpi lebih banyak memonitor kesehatan
kamu dengan dana. Bunga finansial sesuai
bunga menarik kompetitif sebesar kebiasaan kamu
5,5% per tahun. 9% per tahun bertransaksi
untuk investasi
Partnering with: Deposito.

Amar Bank | 2021

Thank You