From AI adoption to AI at scale: The state of AI in Indonesian financial services 2026
Report
We asked the leaders who work with AI inside banks and lenders in Indonesia where it runs today, what stops wider use and where it could create the most value next. The report turns their answers into priorities for leaders.
What teams told us
61% already use AI in some business processes or say it is becoming an important part of how their institution works.
94% named at least one area where AI is used or tested, with three areas on average.
27% named data quality as the biggest challenge stopping wider use of AI. Budget came second (21%).
3.7 out of 5 is their average confidence that their data and systems can support AI.
What’s inside
Where AI stands today, now that every respondent is at least exploring it
Where AI is used, from process automation and fraud detection to credit decisions and collections
Why data quality and budget lead the barriers and how the barriers change as AI matures
Where teams see the most value next, led by automation, personalisation and credit decisions
What it all means for leaders, with five questions to take back to your institution
Get the report
To talk through what the findings mean for your institution, email vanda.jirasek@oradian.com and our Jakarta team will set up a call.
Also from the survey: our Philippines report From AI interest to operational value and our whitepaper Where AI pays first, which covers both markets.