Business Actors Need to Be Adaptive, Digitalisation is Key to Managing Businesses
Business actors are now increasingly demanded to be adaptive amid economic changes and rising transaction complexity. Neat and efficient financial management becomes the key to ensuring businesses survive and grow.
In the field, many small and medium-sized business actors are beginning to realise the importance of more organised financial recording. Without it, cash flow is difficult to monitor, and business decisions are often delayed.
CIMB Niaga’s Director of Business Banking, Rusly Johannes, stated that digitalisation is one of the important steps to address these challenges. “Digitalisation of business financial management is an important step for business actors to improve operational efficiency while driving sustainable business growth,” he said during the OCTOBIZ Press Launch in Jakarta on Monday (6/4/2026).
According to him, business actors currently need a system that not only facilitates transactions but also helps understand the overall financial condition, from cash flow to asset and liability positions.
This need aligns with the changing behaviour of business actors who are increasingly relying on technology. A system capable of displaying data in real time is considered to help business actors make faster and more measured decisions.
Several simple steps are considered feasible for the public in managing businesses. These include separating personal and business finances, routinely recording cash flow, and maintaining liquidity to keep operations running amid fluctuating market conditions.
On the other hand, banks are beginning to offer digital solutions to support these needs. CIMB Niaga, for example, has launched OCTOBIZ, an integrated digital platform that allows business actors to manage various transactions in one system.
Through this platform, business actors can monitor cash flow, make payments, manage payroll, and conduct cross-border transactions in one dashboard. The system is also equipped with multi-layered security features and can be accessed via web or mobile application.
Since its introduction earlier this year, the platform has been used by more than 20,000 companies. This reflects the increasing need of business actors for more practical and integrated systems.
Nevertheless, business actors are reminded not to rely entirely on technology. Discipline in financial management remains the primary factor, including in reading risks and maintaining business sustainability.
With a combination of good management and technology utilisation, business actors are expected to be able to face challenges and seize opportunities amid economic changes.