OJK’s Chief Banking Supervisor Dian Ediana Rae said in Jakarta on Monday that decisions to reduce ATM networks remain business considerations for banks, but changing customer behavior linked to financial technology is accelerating the shift away from physical infrastructure.
According to OJK’s latest banking surveillance report, the number of ATMs, cash deposit machines, and cash recycling machines stood at 89,774 units in the third quarter of 2025, down from 91,173 units in the same period a year earlier.
The data indicate a net reduction of nearly 1,400 machines over the 12-month period.
Rae said digital platforms now enable customers to access banking services at any time and from any location, reducing reliance on physical infrastructure.
The growing convenience of mobile and online transactions, along with the increasing use of non-cash payments, has made cash withdrawals less essential for many customers.
Banks are also seeking greater operational efficiency by strengthening digital services, reducing infrastructure costs, and streamlining business processes.
Rae said these steps not only help improve bank profitability but also support Indonesia’s transition toward a cashless society.
“Non-cash payment systems make economic transactions more efficient and have the potential to encourage broader economic activity,” he said.
The trend highlights a broader transformation in Indonesia’s financial sector, where digital adoption is reshaping banking services and accelerating the country’s move toward a more modern, cashless economy, Rae added.
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Translator: Bayu Saputra, Aditya Eko Sigit Wicaksono
Editor: Primayanti
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