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Indonesia is one of the most adaptable countries to digital banking services in the world. The market is regulated by the financial service authority, whereas the central bank of Indonesia, Bank Indonesia (BI), is responsible for foreign exchange supervision and payment systems. As of June 2020, there were about 1.53 thousand rural banks and 110 commercial banks available. The growth of the middle class and overall population resulted in the ongoing development of the finance industry. Indonesia’s banking sector has continuously been on the rise. Along with Bank Rakyat Indonesia, they are the only Indonesian banks with total assets exceeding one quadrillion Indonesian rupiah (around 71 billion U.S. In 2020, Bank Mandiri took over Bank Rakyat Indonesia's position as the largest bank in Indonesia in terms of assets.