{
    "success": true,
    "data": {
        "id": 1872128,
        "msgid": "how-banks-boost-lending-amid-selective-customers-in-a-high-interest-rate-era-1784627552",
        "date": "2026-07-21 15:59:08",
        "title": "How Banks Boost Lending Amid Selective Customers in a High-Interest Rate Era",
        "author": "",
        "source": "CNBC",
        "tags": "",
        "topic": "Banking",
        "summary": "Indonesian banks are navigating a challenging landscape of high interest rates and global geopolitical turmoil in 2026 by focusing on existing customers and refining risk-based pricing. Bank Neo Commerce's President Director, Eri Budiono, highlighted the need to balance credit growth with portfolio quality and profitability as liquidity tightens and purchasing power weakens. The bank is also promoting transaction services like QRIS payments to support customer business continuity.",
        "content": "<p>In an era of high interest rates and global geopolitical turmoil in\n2026, the banking sector faces challenges in maintaining a balance\nbetween credit growth, credit portfolio quality, and profitability,\naccording to Bank Neo Commerce President Director Eri Budiono. As\nliquidity becomes much tighter and purchasing power weakens, banks\ncontinue to strive to maintain the quality of their business portfolios.\nThis is carried out by driving credit focused on existing customers and\nincreasing promotions related to transaction services, such as the ease\nof payment via QRIS. In supporting and maintaining the continuity of\ncustomer businesses, Bank Neo Commerce is focusing on sharpening\n\u2018risk-based pricing\u2019 by setting service prices according to each\ncustomer\u2019s risk level, given that customers are currently more selective\nin choosing banking services.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/how-banks-boost-lending-amid-selective-customers-in-a-high-interest-rate-era-1784627552",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}