Working towards global financial inclusion and efficient, transparent, safe transaction.

Advancing Mobile Financial Services in Indonesia

Indonesia, as a nation, has made a commitment to financial inclusion. Currently, over 50% of the population in Indonesia is unbanked. One means to facilitate financial inclusion is the introduction of branchless banking. Branchless banking is a mean of providing financial services that leverages the use of technology and third party agents to deliver financial services, thereby eliminating the need for a brick and mortar branch and offering a lower cost structure for financial service delivery. In Indonesia, banks are developing branchless banking products that leverage the use of non-bank employees and independent institutions as agents and mobile phones.

e-MITRA’s work focuses on providing technical advisory services to essential participants in Indonesia’s Digital Financial Services (DFS) sector, including Mobile Network Operators, financial institutions, payment platform providers, etc. The program is designed to assist in the development of strategies that lead to the growth and scale of DFS platforms in Indonesia, provide concrete tools to create DFS strategies and, ultimately, help drive momentum for private sector offerings of economically viable DFS products that reach the poor and unbanked. As a component of its technical services, e-MITRA also conducts qualitative research to be published on key issues in MFS in Indonesia. e-MITRA strives to increase access to financial services for the population at the bottom of the period through innovative DFS products. e-MITRA is a project of the Global Broadband Innovations Alliance (“GBi”). Moreover, the the technical assistance by eMITRA in developing mobile money solutions has leveraged $1,824,000 in leveraged support from Bank Mandiri in FY 2013 and $3,621,000 from BTPN.


  • United States Agency for International Development (USAID)

    Funding Agencies
    United States | Staff size: Unknown

    USAID is the lead U.S. Government agency that works to end extreme global poverty and enable resilient, democratic societies to realize their potential.

    U.S. foreign assistance has...

  • NetHope

    Implementing NGO, Advocacy NGO
    United States | Staff size: 6-25

    NetHope joins the world’s largest nonprofits with technology innovators worldwide. They act as a catalyst for productive collaboration, innovation, and problem-solving to reimagine...

  • Bank BTPN

    Staff size: Unknown

    BTPN is Indonesia’s leading Rupiah-based mass-market bank. Our story begun in 1958, serving retired military personnel with desire to help them have a better life. After being...

  • Bank Mandiri

    Investment & Finance
    Staff size: 10,000+

    Bank Mandiri was established on 2 October 1998, as part of the bank restructuring program of the Government of Indonesia. In July 1999, four state-owned banks - Bank Bumi Daya, Bank Dagang...

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Key Information

LocationIndonesia, East Asia and Pacific
  • Start Date 2012
  • End Date 2015
  • ValueUSD 5.82 Million