Wealth management combines digital access with relationship-led advice for affluent customers Operational risk management moves closer to customer interactions through structured risk signals and closed-loop remediation Financial inclusion, remittances and payments scale through integrated digital and assisted-service networks SME and automobile financing become more closely embedded in customer, transaction and business ecosystems Indonesian banks are integrating digital capabilities more deeply across customer relationships, risk management, payments and financing. The Asian Banker Indonesia Awards 2026 recognised institutions demonstrating how digital platforms are increasingly combined with advisory capabilities, physical distribution, transaction data and broader customer and business ecosystems. The winners span wealth management, operational risk, financial inclusion, cross-border remittances, SME financing, payments and automobile finance, underscoring the wide-ranging impact of digital innovation across Indonesia’s banking sector. Wealth management combines digital access with relationship-led advice for affluent customers OCBC NISP was recognised as Best Wealth Management Bank (Affluent Banking) in Indonesia for combining relationship-manager advice with digital investment access for affluent customers. OCBC Premier Banking brings mutual funds, bonds, foreign exchange, gold-related products and bancassurance into a proposition supported by portfolio analytics and real-time visibility through OCBC Mobile. Digital tools also help relationship managers identify changes in customer behaviour and portfolios while preserving human advice for more complex decisions. In 2025, the bank recorded growth in assets under management and wealth fee income, reflecting a hybrid advisory model that combines digital execution with relationship-led wealth management. Operational risk management moves closer to customer interactions through structured risk signals and closed-loop remediation Nanovest received the Achievement in Operational Risk Management in Indonesia award for converting customer interactions into structured operational risk signals rather than treating service issues as isolated complaints. Its CX-Risk Signal Governance framework combines AI-supported interaction handling, quality assurance, risk classification and remediation under defined ownership and service-level controls. Customer service, fraud, KYC, chatbot and escalation data are tracked through a closed-loop process until resolution. Since implementation, resolution times have fallen, KYC service-level compliance has improved, and the fraud rate has declined. The approach demonstrates how customer interaction data can support earlier risk detection and more accountable remediation. Financial inclusion, remittances and payments scale through integrated digital and assisted-service networks Bank Rakyat Indonesia (BRI) was recognised as Best Financial Inclusion Initiative in Indonesia for combining digital banking with its extensive BRILink assisted-agent network to extend access across rural and underserved areas. BRILink agents provide cash-in, cash-out, transfers and other services through terminals connected to BRI’s core systems. The network works alongside BRImo and BRI’s merchant platforms, linking physical access with payments, savings and wider financial services. The model enables customers to access banking without relying solely on branches or smartphones and demonstrates how digital and assisted channels can operate as part of the same financial-access infrastructure. BRI also received Best Consumer Cross-Border Remittance Service in Indonesia for integrating international transfers into customers’ everyday banking activity rather than operating them through a separate transfer channel. BRImo supports international transfers through the same interface used for domestic payments and other financial services, while BRILink provides an assisted route for customers in areas with lower digital access. Together, the two channels combine large-scale digital execution with extensive assisted coverage. The bank was further recognised as Best Digital Payments Initiative in Indonesia for developing an ecosystem-based payment structure spanning mobile banking, interoperable QR payments, merchant acceptance and assisted transactions. BRImo serves as the main digital interface, QRIS supports payments across participating networks, BRI Merchant provides acceptance tools for businesses and BRILink extends transaction execution to areas with lower digital adoption. Together, these channels support payments across urban, rural, consumer and merchant settings. SME and automobile financing become embedded in customer, transaction and business ecosystems BRI was also named Best Digital SME Financing in Indonesia for linking SME financing with transaction data, cash management and value-chain activity rather than treating credit as a standalone disbursement. Through Qlola and One BRI Solutions, businesses can manage liquidity, trade finance, foreign exchange and working-capital needs within one environment. Transaction flows help align financing with operating activity, while supplier and distributor networks extend support across connected businesses. The approach demonstrates how digital SME financing can be embedded more closely into enterprise operations and supply-chain liquidity rather than operating separately from a company’s day-to-day financial activity. Bank Danamon received Best Automobile Financing in Indonesia for positioning automobile financing as an entry point into broader retail banking relationships rather than as a standalone loan product. Its model combines Adira Finance’s origination and servicing capabilities with Bank Danamon’s customer base and MUFG’s corporate network. D-Bank PRO supports digital applications and credit simulations, while the Red Carpet process enables faster approval for selected customers. In 2025, automobile financing disbursement increased despite a contraction in Indonesia’s automotive market, while asset quality remained stable. The model reflects how ecosystem integration, digital origination and risk discipline can strengthen automobile financing while connecting customers with a broader banking relationship. View the full list of winners of The Asian Banker Indonesia Awards 2026 at: https://tabglobalawards.com/indonesia-awards/ About TAB Indonesia Awards 2026 The awards recognise achievements in retail finance, transaction finance and other areas of financial services specific to financial institutions, banks and non-banks in Indonesia. While institutions from different countries and regions compete for individual award categories under TAB Global’s international awards programmes, the Indonesia Awards recognise achievements and initiatives at the local market level. About TAB Global TAB Global owns and manages a number of world-class digital content platforms, namely The Asian Banker, Wealth and Society and BankQuality.com, as well as learning platforms including The Banking Academy and The Skill Store. Incorporated in Singapore, it has offices in Beijing and Dubai and support offices in Kuala Lumpur and Manila, with plans to expand to Johannesburg, London, Zurich and New York. Visit https://www.tab.global/ for details. Media Contact Nanda Lakhwani Editor, TAB Global Email: nlakhwani@tab.global
