Adapundi and Bank DBS Indonesia continue strategic cooperation to accelerate financial inclusion | Bahasa
This partnership extension marks the second phase of collaboration that began in February 2024, in which funding from Bank DBS Indonesia has significantly supported Adapundi in meeting the funding needs of its nearly 30 million users.
The agreement was signed by Director of Adapundi Achmad Indrawan and Head of Ecosystem & Digital Consumer Banking Group PT Bank DBS Indonesia Willy Lawy.
Director of Adapundi Achmad Indrawan said, “Bank DBS Indonesia has become an important partner for Adapundi. With the cooperation and solid support from Bank DBS Indonesia, Adapundi has been able to grow in expanding its funding distribution to the entire community.”
This expansion of cooperation is not merely a continuation, but also an affirmation that the synergy between financial technology and banking is key to creating stronger and more inclusive financing. This is in line with data from the Financial Services Authority (OJK), which shows that as of June 2025, outstanding financing in the P2P (peer-to-peer) lending industry rose by 25.06 percent annually. This confirms the growing public demand for fast, easy, and reliable financing alternatives that can be met by online loan applications.
In addition, the latest regulation from OJK, effective January 1, 2025, regarding adjustments to the maximum daily interest rate for online loans is also an important milestone for the P2P industry. The maximum interest rate for loans with a tenor of less than six months is 0.3 percent per day, while the maximum interest rate for loans with a tenor of more than six months has been reduced to 0.2 percent per day from the previous 0.3 percent.
Head of Ecosystem & Digital Consumer Banking Group PT Bank DBS Indonesia Willy Lawy said, “The collaboration between Bank DBS Indonesia and Adapundi reflects our commitment to expanding financial inclusion in Indonesia. Through the use of digital technology and responsible financial solutions, we want to open up wider access for the community and business actors, especially in segments that are not yet reached by banking services.”
Furthermore, Willy Lawy sees this partnership as a way for Bank DBS Indonesia to continue to be a partner for sustainable economic growth. “We view the growth of digital funding in Indonesia with optimism. Through this partnership, we strive to continue to be a trusted partner for business growth while promoting sustainable and inclusive economic growth.”
Adapundi also recorded a Payment Success Rate (TKB90) of 100 percent as of August 2025, and continues to strengthen its governance and operational security by complying with OJK regulations. Adapundi has also been certified ISO/IEC 27001:2022 for Information Security Management Systems (ISMS), as a form of high standards for maintaining data confidentiality and security. This achievement is clear evidence of Adapundi's commitment to providing safe and sound digital financing services.
With this new policy, Adapundi and Bank DBS Indonesia are optimistic that they will be able to open up opportunities for more people to take advantage of digital financing services.
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About DBS
DBS is a leading financial services group in Asia with a presence in 19 markets. Headquartered and listed in Singapore, DBS is in the three key Asian axes of growth: Greater China, Southeast Asia and South Asia. The bank's "AA-" and "Aa1" credit ratings are among the highest in the world.
Recognised for its global leadership, DBS has been named “World’s Best Bank” by Global Finance, “World’s Best Bank” by Euromoney and “Global Bank of the Year” by The Banker. The bank is at the forefront of leveraging digital technology to shape the future of banking, having been named “World’s Best Digital Bank” by Euromoney and the world’s “Most Innovative in Digital Banking” by The Banker. In addition, DBS has been accorded the “Safest Bank in Asia” award by Global Finance for 17 consecutive years from 2009 to 2025.
DBS provides a full range of services in consumer, SME and corporate banking. As a bank born and bred in Asia, DBS understands the intricacies of doing business in the region’s most dynamic markets.
Established in 1989 as part of the Singapore-based DBS Group, PT Bank DBS Indonesia (Bank DBS Indonesia) is one of the banks with the longest history in Asia. Currently operating 1 Head Office, 13 Branch Offices, 16 Assistant Offices, 1 Functional Office and 3,011 active employees in 15 Major Cities in Indonesia, Bank DBS Indonesia provides comprehensive banking services that focus on the customer experience to 'Live more, Bank less'. We also see a purpose beyond banking and are committed to supporting our customers, employees, and the community towards a sustainable future.
PT Bank DBS Indonesia is licensed and supervised by The Indonesian Financial Services Authority (OJK), and an insured member of Indonesia Deposit Insurance Corporation (LPS).
DBS is committed to building lasting relationships with customers, as it banks the Asian way. Through the DBS Foundation, the bank creates impact beyond banking by uplifting lives and livelihoods of those in need. It provides essential needs to the underprivileged, and fosters inclusion by equipping the underserved with financial and digital literacy skills. It also nurtures innovative social enterprises that create positive impact.
With its extensive network of operations in Asia and emphasis on engaging and empowering its staff, DBS presents exciting career opportunities. For more information, please visit www.dbs.com.