Video: Digital Banks' Strategies to Compete with Conventional Banks - Fintech

Jakarta, CNBC Indonesia - The CEO of PT Krom Bank Indonesia Tbk (BBSI), Anton Hermawan, assures the resilience of digital banks in facing global economic and geopolitical turbulence. Amid threats of rising inflation and the holding of benchmark interest rates by global central banks, including Bank Indonesia, the banking sector is required to maintain liquidity and expand sources of credit growth. Digital banks like Krom Bank require substantial liquidity over extended periods, so offering high interest rates becomes a strategy for digital banks to attract investments as well as third-party funds (DPK). Krom Bank targets young customers who understand and need optimal returns from interest rates. On the other hand, digital banks are required to drive credit disbursement with maintained credit performance. To maintain the competitiveness of digital banks with conventional banks and fintechs, digital banks are required to have products that do not conflict with digital business and the right customer segments. From the government and authority side, banking faces the alignment of regulations between the government and regulators to maintain trust in banking while being adjusted to industry needs. What are the challenges and strategies for banks facing uncertainties in 2026? For more details, watch the dialogue between Andi Shalini and the CEO of PT Krom Bank Indonesia Tbk (BBSI), Anton Hermawan, in Power Lunch, CNBC Indonesia (Monday, 04/05/2026).