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Ramai-ramai Bank di Indonesia Tutup Kantor Cabang, Begini Kata OJK



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Otoritas Jasa Keuangan (OJK) mencatat terdapat tren penurunan jumlah kantor cabang bank umum di Indonesia. Foto/Dok

JAKARTAOtoritas Jasa Keuangan (OJK) mencatat terdapat tren penurunan jumlah kantor cabang bank umum di Indonesia. Kepala Eksekutif Pengawas Perbankan OJK, Dian Ediana Rae menilai hal ini merupakan bagian dari strategi bisnis industri perbankan dalam merespons perubahan perilaku nasabah dan perkembangan teknologi digital.

“Penurunan jumlah cabang dilakukan atas keputusan bisnis masing-masing bank, seiring adopsi teknologi informasi yang semakin masif,” ujar Dian dalam jawaban tertulis konferensi pers RDKB Mei 2025, Kamis (13/6).

Baca Juga: OJK Pastikan Industri Perbankan Tetap Solid Didukung Rasio CAR 27,69%

Menurut OJK, perubahan perilaku masyarakat dalam mengakses layanan keuangan secara digital mendorong kebutuhan kantor fisik menjadi berkurang. Kondisi ini dinilai berdampak pada efisiensi operasional, sejalan dengan percepatan adopsi teknologi digital di sektor keuangan.

“Dengan semakin mudahnya akses layanan melalui aplikasi dan platform daring, kebutuhan untuk datang langsung ke kantor cabang menjadi semakin minim, terutama untuk transaksi bernilai kecil atau tidak produktif,” kata Dian.



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