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Jakarta, June 10th, 2025 – PT Bank OCBC NISP Tbk (OCBC) and Ant International, a leading global digital payment, digitisation and financial technology provider, officially signed a Memorandum of Understanding (MoU). The signing ceremony marks the beginning of a strategic collaboration to deliver fast, flexible digital and inclusive financing solutions, as well as expanding access to more entrepreneurs across Indonesia.
This partnership is designed to provide streamlined access to entrepreneurs, both individuals and business entities. Combining OCBC’s longstanding presence, deep knowledge of SMEs & end-to-end banking solutions with Ant International’s leading capabilities in alternative-data modelling, dynamic credit strategy and automated credit decision, this partnership will deliver differentiated financing and services to entrepreneurs within digital ecosystems.
This is the first partnership focusing on embedded financial service between Ant International and a commercial bank in Indonesia. Both parties believe this collaboration could benefit thousands of businesses in Indonesia over the next few years.
Martin Widjaja, Director of OCBC conveyed “We are excited to partner with Ant International. It represents our firm commitment to expanding financial access for entrepreneurs. Leveraging technology as an enabler, we aspire to become a true growth partner for those aiming to scale their businesses.”
“We believe that empowering local businesses through responsible and accessible financial solutions will have a multiplying impact. At OCBC we committed to support the digitalization of our lending processes, strategic collaborations such as this one with Ant International, and the use of technology to broaden our reach while maintaining high asset quality,” added Martin.
According to data from the Ministry of Cooperatives and SMEs of the Republic of Indonesia, SMEs contribute more than 60.5% to the country’s GDP and employ around 97% of the total workforce. The collaboration between OCBC and Ant International seeks to bridge this gap — not through conventional methods, but by leveraging inclusive, data-driven technology.
Ant International shared the same commitment to supporting SMEs globally, with over 90% of merchants it serves are small and micro-sized enterprises. The company keeps working with global and local financial leaders to widen financial access for small businesses with AI-driven financial and credit solutions beyond its expertise on payments and digitisation expertise.
“As digital transformation accelerates across Indonesia, SMEs are stepping up as key drivers of innovation and growth. By joining hands with OCBC, a trusted brand with deep local roots, we're dedicated to helping small businesses flourish and build long-term resilience through tailored financial solutions powered by technology,” said Quan Yu, General Manager of Credit Services, Ant International.
Both institutions emphasized their commitment to upholding data protection and ensuring full regulatory compliance, reinforcing trust in digital financial services.
OCBC and Ant International are united in their mission to drive sustainable growth for communities, with future plans to broaden the scope of the partnership, introduce more inclusive financial products, and reach even more businesses across Indonesia.
About OCBC
PT Bank OCBC NISP Tbk (OCBC) was established in Bandung in 1941 under the name Nederlandsch Indische Spaar en Deposito Bank. Over its 84 years of journey, the Bank has undergone several name changes, from 'Bank NISP' to 'Bank OCBC NISP', and 'OCBC' on November 14, 2023. As of March 31, 2025, OCBC serves customers through 205 office networks in 54 cities in Indonesia. Furthermore, customers could conduct transaction through the Bank's 529 ATM, more than 90,000 ATM networks in Indonesia, and connected to more than 580 OCBC Group ATM networks in Singapore and Malaysia. OCBC also serves customers through various digital channels, including mobile banking and internet banking – both for individuals and corporations. OCBC is one of the banks with the highest credit ratings in Indonesia, namely AAA(idn)/stable from PT Fitch Ratings Indonesia.
Brand & Communication Division, OCBC
OCBC Tower, Jl Prof Dr Satrio Kav 25, Jakarta 12940
Tel: 021- 25533888; Fax: (62)-021-57944000
Email: brand.communication@ocbc.id
Website: www.ocbc.id
