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Indonesia's SME banking and lending outlook: an IDC brief

Digitalization in business banking and lending still trails retail banking, leaving SMEs to navigate inefficiencies and fragmented services. This IDC report explores SME digital banking adoption across seven Asian markets—focusing on Indonesia—and provides actionable insights to help banks deliver unified, secure, and cost-effective SME banking experiences.

SME owners, balancing personal and business finances, increasingly demand a holistic view of their financial lives. The research shows that 85% of SME leaders in Asia prefer a single banking partner—rising to 83% in Indonesia. Among them, 60% seek end-to-end solutions, while 23% value banks that reuse existing data to connect retail and business services.

This IDC Analyst Brief #AP7325 Indonesia November 2024 is commissioned by Backbase.

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Access primary IDC findings on Indonesia's SME banking & lending market

Get first-in-market insights into what Indonesian business owners value most—key priorities, expectations, and strategies to drive growth and reduce cost to serve.

Growing demand for a unified banking experience

Challenges of stagnation in SME banking progress

How SME lending drives financial inclusion in Indonesia

Quantified impact of digital disruptions on business continuity

Key security concerns impeding digital transition

User experience benchmarks and performance expectations