Indonesia’s financial sector is growing rapidly, supported by digital adoption, a young population, and rising demand for banking and investment products. Yet profitability is under pressure from regulatory requirements, cost inefficiencies, and shifting customer expectations.

The Challenge 

Indonesia’s financial services sector is under pressure from:

• Rising regulatory demands – OJK’s data protection, compliance, and product restrictions.
• Falling margins – cost-to-income ratios remain high compared to regional peers.
• Shifting distribution – bancassurance under pressure, agents and digital channels underperforming.
• Customer expectations – demand for faster, simpler, and digital-first services.

Our Approach 

Renoir partners with banks and insurers to deliver measurable improvements in:

• Sales Productivity: Strengthen frontline performance, bancassurance effectiveness, and agent productivity.
• Back-Office Efficiency: Streamline underwriting, claims, loan approval, and support processes to cut turnaround times and reduce leakage.
• Compliance & Risk Control: Embed governance, fraud detection, and data protection into day-to-day operations.
• Digital Adoption: Ensure tools, processes, and people align so that investments in digital actually deliver ROI.

We don’t just design strategies. We embed the changes with your teams — ensuring sustainable impact.