From "Digital Bank" to "Ecosystem-Based Bank": OJK’s Direction and the Role of LSP Bisdi
For the past five years, Indonesian banks asked whether they were digital enough. Today OJK asks a sharper question: whether the digital business model can grow sustainably, inclusively, and remain trusted.
THE SHIFT IS OFFICIAL
That direction is set out in OJK’s Roadmap for the Development and Strengthening of Indonesian Banking (RP3I) 2026–2030. Its five priorities are institutional strengthening, technology modernisation and digital resilience, stronger intermediation, sustainable finance, and supervisory strengthening. Four foundations support them: digital infrastructure, human capital, data and its governance, and cross-authority coordination.
As OJK’s Chief Executive for Banking Supervision, Dian Ediana Rae, put it: the focus must now shift from accelerating digitalisation towards building digital business models that are sustainable, inclusive, and resilient.
ECOSYSTEM IS NOT MERELY AFFILIATION
Digital banks sit naturally close to digital ecosystems. Collaboration with technology companies, e-commerce, e-wallets and fintech accelerates distribution, widens reach and shortens innovation cycles. Yet OJK warns that ecosystem advantage must become a business model able to grow on its own — not one that depends solely on affiliate support.
An ecosystem-based bank is not a bank attached to its parent group; it is a bank that becomes a node in the value chain, present wherever transactions happen: supply-chain finance, payroll and employee finance, agriculture from farm to exporter, tourism from ticketing to merchants, or embedded finance inside commerce platforms.
THREE KEYWORDS: SUSTAINABLE, INCLUSIVE, TRUSTED
Sustainable — technology will increasingly shape how people and businesses interact, and banks unable to adapt will lose relevance.
Inclusive — OJK stresses that digital banking models must not remain gimmicks; banks are expected to design new product schemes that reach previously underserved segments.
Trusted — trust rests on system security, fee transparency, complaint resolution, and protection of customer data.
WHAT LIES BEHIND RAPID GROWTH
The deeper a bank enters an ecosystem, the greater its exposure: dependence on one strategic partner, cyber and third-party service continuity risk, and personal data protection that has become part of reputation.
The framework keeps being refined — from the Bank Umum framework for digital banks, to rules on digital services and cooperation with third parties, alongside implementing rules on banking information technology.
WHERE LSP BISDI COMES IN
Of the four RP3I foundations, human capital cannot be bought through technology procurement. It must be built through competence that is measurable and can be proven. This is where LSP Bisnis Digital Indonesia (LSP Bisdi) works.
Founded by Perkumpulan Profesi Bisnis Digital Indonesia with support from Komdigi, the Ministry of Trade, APINDO and APRINDO, LSP Bisdi delivers competency certification aligned with national competency standards through three flagship schemes.
A. THREE CERTIFICATION SCHEMES DIRECTLY RELEVANT TO ECOSYSTEM BANKING
Business Intelligence — producing specialists able to map markets, customer behaviour and the competitive landscape inside an ecosystem; this determines the accuracy of expansion, pricing and product decisions.
Digital Transformation — equipping staff to change processes and ways of working, not merely replace applications. This is the difference between a bank that looks digital and one that truly works digitally.
AI Digital Marketing — equipping staff to use artificial intelligence to reach underserved segments efficiently, directly serving OJK’s inclusivity agenda.
B. CERTIFICATION AS AUDITABLE PROOF OF COMPETENCE
For a bank, the value of certification lies not in the certificate but in being able to prove who is competent, at what level, and against which standard — important when explaining workforce readiness to supervisors and ecosystem partners.
Because it is built on national competency standards, the scheme maps to specific ecosystem roles: ecosystem credit analysts, supply-chain relationship managers, digital risk analysts, and digital financial inclusion program managers.
C. CLOSING THE COMPETENCY GAP STRUCTURALLY
Ecosystem banking needs three capabilities: reading data and markets, changing processes, and adopting new technology responsibly. LSP Bisdi addresses all three through a cycle that does not stop at training: mapping competency needs per role, preparation programmes, assessment by assessors, and certification.
PRACTICAL COLLABORATION TRACKS
1) Competency mapping — identify key roles in the ecosystem business model and the competencies each requires.
2) Preparation — prepare participants against the chosen scheme, with material relevant to daily work.
3) Assessment and certification — objectively assess competence and issue verifiable certificates.
4) Periodic refresh — realign schemes with technology developments and the bank’s ecosystem needs.
CLOSING
OJK’s direction is clear: from digitalisation towards digital business models that are sustainable, inclusive and trusted. The banks that win are not necessarily the fastest to launch an app, but those most serious about preparing their people.
LSP Bisnis Digital Indonesia helps banks ensure that the people running the ecosystem business model are genuinely competent — and that their competence can be proven.