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Unlocking the transformative potential of branchless banking in Indonesia

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  • Tim Stapleton

Abstract

Branchless banking has the potential to significantly enhance financial inclusion among Indonesia's large and geographically disparate unbanked population and to connect Indonesia's micro, small and medium enterprises to the global economy. Why has the branchless-banking revolution not yet materialised? Constrained by regulation, deployments have failed to attract a critical mass of users. Indonesia's fragmented telecommunications sector has made it difficult for providers to emulate the success stories in other countries, in which dominant providers are competing for the market with a proprietary platform. In Indonesia, it is likely that a considerable degree of interoperability will be required for providers to unleash network effects and attract users. Indonesia's providers are experimenting in this space. Recognising branchless banking's potential to accelerate financial inclusion, Bank Indonesia appears committed to improving the regulatory framework. This article identifies the components of an enabling regulatory environment. Success in Indonesia would provide a model for a more widespread uptake of transformative branchless banking.

Suggested Citation

  • Tim Stapleton, 2013. "Unlocking the transformative potential of branchless banking in Indonesia," Bulletin of Indonesian Economic Studies, Taylor & Francis Journals, vol. 49(3), pages 355-380, December.
    • Handle: RePEc:taf:bindes:v:49:y:2013:i:3:p:355-380
    DOI: 10.1080/00074918.2013.850633
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    Cited by:

    1. Hussain, Asad & Iqbal, Tabassum, 2020. "Impact of branchless banking on banks performance: Quarterly review of Pakistani banks," MPRA Paper 112871, University Library of Munich, Germany.

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