Growing Digital Technology Adoption Decreases ATM Numbers in Indonesia

RRI.CO.ID, Jakarta - The Financial Services Authority (OJK) has reported a significant decline in the number of Automatic Teller Machines (ATMs), Cash Deposit Machines (CDMs), and Cash Recycling Machines (CRMs) across Indonesia.

According to OJK’s Indonesian Banking Surveillance Report, the total number of machines stood at 89,774 units in the third quarter of 2025, down from 91,173 units in the same period the previous year. This indicates that 1,399 machines were closed within a year.

OJK predicts that this downward trend will continue. “Along with the increasing adoption of information technology in the financial sector, which has influenced changes in behavior, expectations, and public needs for banking services,” said OJK Chief Executive of Banking Supervision Dian Ediana Rae in a written statement during the Monthly Board of Commissioners Meeting (RDKB) press conference in Jakarta on Monday, January 26, 2026, as quoted by Antara.

Dian explained that digital technology enables customers to access banking services anytime and anywhere. “The easier access to services through applications and online platforms, and the growing use of non-cash payments, have reduced the need for ATMs,” he said.

He added that banks are also striving to improve operational efficiency. “This efficiency can ultimately strengthen financial performance and support banking profitability,” Dian noted.

Beyond efficiency gains, Dian emphasized that digital technology is also driving the expansion of cashless transactions in society. “This cashless system can support more efficient economic transactions, which is expected to further stimulate economic activity,” he concluded. ***