As Indonesia rapidly embraces digital transformation, Bank Mandiri is positioning itself as the nation’s financial backbone—powering connections across corporates, MSMEs, and consumers. Through its digital wholesale super-platform, Kopra by Mandiri, the bank has created a unified ecosystem that handles nearly a third of Indonesia’s digital transactions.
How does Bank Mandiri contribute to advancing Indonesia’s digital economy?
Bank Mandiri plays a pivotal role in driving Indonesia’s digital economy. As the country’s largest wholesale bank, we have the scale and ecosystem to connect every layer of the value chain. Through Kopra by Mandiri, we serve over 30,000 wholesale clients, from large corporates to suppliers and distributors, helping them digitalize their business processes.
We’ve built a tightly connected ecosystem by integrating three main platforms: Kopra by Mandiri for corporates, Livin’ by Mandiri as a super app for individuals, and Livin’ Merchant for MSMEs. Together, they account for roughly 30% of Indonesia’s digital transaction market share, positioning Mandiri as a key catalyst for national digital transformation.
What innovation sets Bank Mandiri apart from competitors?
Last year, we completely revamped Kopra by Mandiri, enhancing its interface and user experience to global standards. Every feature was redesigned to simplify transactions while maintaining full functionality. The result is a platform that, in many ways, meets or exceeds leading international benchmarks.
Kopra now offers a comprehensive suite of cash management, trade finance, and value-chain solutions. Clients can process up to 50,000 transactions in one go, customize liquidity schemes via drag-and-drop tools, and receive AI-based bill reminders and personalized biller recommendations. On the trade side, Kopra supports digital issuance and QR-verified guarantees, with real-time tracking and full ERP integration for faster, more seamless operations.
How does Kopra Embedded Finance strengthen Mandiri’s open banking strategy?
Kopra Embedded Finance extends Mandiri’s digital reach, enabling more than 200 API-based services that connect directly with clients’ ERP systems. This allows treasury teams to manage payments, collections, and working capital securely—without leaving their internal platforms. Over 1,000 clients already leverage this capability, making Kopra a regional benchmark in open-banking treasury innovation.
How does Kopra create value across the value chain?
Kopra builds closed-loop ecosystems linking corporates, suppliers, retailers, and consumers. By integrating with Livin’ by Mandiri, businesses can send bills and receive payments instantly, while Livin’ Merchant supports MSME digitalization in sectors such as FMCG. This connected ecosystem enhances convenience, trust, and sustainable growth.
How is AI shaping Kopra’s evolution?
We’re embedding AI to forecast cash flows, personalize product recommendations, and detect anomalies. Soon, we’ll launch AI-powered trade document verification and transparency scoring to strengthen risk management. Ultimately, our mission is simple: use technology to simplify complexity and empower clients to grow smarter.
