Jakarta, CNBC Indonesia – PT Bank Mandiri (Persero) Tbk (BMRI) said that currently the company already has the ability to operate like a digital bank, in line with the continued development of the company’s digital capacity.
Thus, the plan to acquire new banks to become digital banks is highly dependent on current developments.
President Director of Bank Mandiri Darmawan Junaidi said that currently Bank Mandiri’s digitalization capabilities were considered to be in accordance with the criteria for digital banks.
“Will inorganic M&A [merger dan akuisisi] it feels like we have seen the development of digital transformation that we are doing first. But our capability for digital banking services, maybe if we look at the strength, we will see the end game,” said Darmawan at a press conference on Bank Mandiri’s performance in the third quarter of 2021, Thursday (28/10/2021).
“With Mandiri’s size transforming retail and wholesale services, and a smart branch pilot with all the infrastructure prepared, this will have a positive impact on Mandiri’s financial performance,” continued the former Director of Treasury of Bank Mandiri.
In line with that, on the occasion, Director of Information Technology of Bank Mandiri Timothy Utama said that Bank Mandiri could already be categorized as a digital bank, if the definition of a digital bank does not include that a digital bank is a bank that does not have a branch office.
This is because, he said, the second phase of the Livin’ by Mandiri superapp, which was just released, allows customers and prospective customers to be able to carry out activities ranging from account opening to other transactions through one application.
Furthermore, by utilizing its ecosystem, the application will allow customers to be able to carry out other financial transactions, such as investment and insurance services.
In addition, the ecosystem with external parties will also be open with an open API (Application Programming Interface) that already exists so that Bank Mandiri will be able to collaborate for various financial transactions to lifestyle.
To note, banking transactions carried out using the application experienced a significant increase with the transaction value reaching IDR 1,152.5 trillion at the end of September 2021, or an increase of 55.8% on an annual basis (year on year) compared to the position at the end of the same period the previous year. worth IDR 739.6 trillion.
Meanwhile, in terms of number, the number of transactions made reached 696.3 million times, up 62.5 percent from the position at the end of September last year which was 428.4 million times.
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