With a population exceeding 280 million, Indonesia represents a massive market for banking services. According to data from the Financial Services Authority of Indonesia (OJK), approximately 48% of the adult population—around 97.74 million people, as reported by the World Bank in 2021—remains unbanked, lacking access to traditional banking services. However, recent efforts by the Indonesian government and financial institutions, including digital initiatives and partnerships, aim to reduce this figure, targeting a financial inclusion rate of 90% by 2024. Despite these efforts, challenges like limited internet access in rural areas and low financial literacy still persist, making innovative digital solutions crucial.

This is where Bank Ajib steps in, offering a 100% digital banking experience designed to bridge the gap. From account opening and service activation to transactions, everything is seamlessly handled through a user-friendly mobile app. A debit card is mailed to users after their registration is verified by the admin. Need to withdraw cash? Use your debit card once received, or leverage the app’s innovative ‘Cash Withdrawal’ feature to access funds cardlessly via a network of national and international ATMs in partnership with leading financial institutions.

Here’s a glimpse of the Bank Ajib app’s Homepage UI—a sleek, intuitive, and modern design that brings banking to the fingertips of Indonesia’s unbanked population and beyond.