Investor Presentaiton
#2 Create a partner ecosystem to expand embedded offerings
Over 70 million
customers acquired by
digital banks in 2022
Average 10%-12%
CASA growth
Reduce cost burden of
distribution and
acquisition
API-led partnerships
across POS terminals,
payments, micro ATMs
API-driven integrations
leads to 50% higher
conversion rates
For banks, embedded finance represents a significant opportunity to
expand their fee income by leveraging the customer reach of non-
financial partners.
By offering customized financial solutions through these partnerships,
banks can tap into new revenue streams and deepen their customer
relationships.
Indonesia has an unbanked population of ~38%. Banks can drive
financial inclusion through embedded finance solutions.
They can introduce the following solutions in the market to achieve
this:
Source: twimbit analysis, industry reporting
.
•
An integrated, end-to-end, retail lending solution (for mortgage,
automotive, education, etc.) covering all facets of loan lifecycle
from sourcing to disbursement for all kind of customers. It can
be a unified interface for customers, third party providers and
sourcing channels.
A merchant ecosystem (for grocers, supermarkets, small retail
store chains, online businesses and e-commerce firms) which
provides banking solutions and value-added services in one
place.
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