Indonesian Banking AI Adoption Ranks Fourth in ASEAN, Behind Singapore, Malaysia and Thailand
A Twimbit study of 45 ASEAN banks puts Indonesia at 3.82 out of 5, with digital banks adopting faster than conventional peers.
Indonesian banking ranks fourth in ASEAN for AI adoption with an index score of 3.82 out of 5, according to the "State of ASEAN Banking CX 2026" report by research firm Twimbit, released at the Twimbit Banking Summit in Kuala Lumpur on October 27 and covered by Katadata the following day. Singapore leads with 3.99, ahead of Malaysia and Thailand.
The study examined 45 banks across six ASEAN countries — 28 conventional and 17 digital. Indonesian digital banks, such as Bank Jago, were found to adopt AI faster than conventional peers, supported by cloud-ready infrastructure and use cases including personalization and 24-hour customer service. Twimbit's SVP noted AI's potential extends well beyond customer service into account opening, banking document management and credit approval.
The findings point to a sizeable implementation gap in Indonesian banking, particularly among mid-sized conventional banks that have been slower to deploy AI in back-office and lending workflows.