Antara News·Indonesia·Thursday, September 24, 2026 at 09:49 AM

Indonesia reports 74 million aged 17 and above without bank account

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Rizka Khaerunnisa, Kuntum Khaira

Jakarta (ANTARA) - Indonesia's government reported that 74 million people aged 17 and above still do not have bank accounts, as the government encourages account openings to ensure more equal access among citizens.

Coordinating Economic Affairs Minister Airlangga Hartarto said on Thursday the government is considering providing Rp50,000 (US$2.8) per person to support the opening of bank accounts, which would require around Rp3.8 trillion (US$212.13 million) in funding.

“Earlier, the Minister of Home Affairs said that based on data from Dukcapil and cross-matched data, it appears that around 74 million people aged 17 do not yet have bank accounts,” Hartarto said at the FEKDI x Indonesia Fintech Summit & Expo (IFSE) in Jakarta.

The initiative will be discussed further with President Prabowo Subianto, Hartarto said, as the government seeks to encourage people to actively use their bank accounts for transactions.

“The House of Representatives' Commission XI can also encourage this. The President wants those aged 17, in addition to obtaining an identity card, to also have a bank account through BRI or BSI, particularly for people in Aceh, where BSI is used,” he said.

Home Affairs Minister Tito Karnavian, speaking at the same event, said the government was strengthening information technology infrastructure at the Directorate General of Population and Civil Registration (Dukcapil) to support digitalization in the regions and financial sector.

Digital identity could help simplify banks' know-your-customer (KYC) processes, Tito said, allowing customer identification to be conducted using facial recognition technology rather than manually through photocopies of identity cards.

The government is also seeking to ensure that all Indonesians aged 17 and above have bank accounts as part of efforts to improve financial literacy and inclusion, Karnavian said.

Based on data from Danantara and banks, about 170 million people already have bank accounts, he said, adding that the government needs to cross-check the figures against Dukcapil's population data.

About 98 percent of Indonesia's population is registered with Dukcapil, including facial, fingerprint and retinal data as well as address, residence, status and other profile information, Tito said.

The data can be filtered by age and reconciled with banking records to identify by name and address people aged 17 and above who do not yet have bank accounts, as well as map them by province and district or municipality, he said.

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