Business Sector

Finance & Banking

Financial Solutions to Advance Your Business



“The financial sector is at the very heart of an essential shift to more sustainable development, based on a more inclusive and sustainable economy.”

The financial services sector provides financial services to people and corporations. This segment of the economy is made up of a variety of financial firms including banks, investment houses, lenders, finance companies, and insurance companies. As noted above, the financial services industry is probably the most important sector of the economy, leading the world in terms of earnings and equity market capitalization. A strong financial services sector can lead to economic growth, while a failing system can drag down a nation's economy.

Financial stability, both globally and within countries, generates jobs and improves productivity. It gives people confidence to invest and save money.

Good access to finance improves a country’s overall welfare because it enables people to thrive and better manage their needs, expand their opportunities and improve their living standards.

Capital markets are becoming essential to financing infrastructure such as roads, power plants, schools, hospitals and houses and to help manage unforeseeable risk. They are increasingly relevant for the Sustainable Development Goals as reaching many of them will require long-term financing that traditional funding sources won’t be able to cover. Attracting private sector finance and investment to help cover the huge financing gaps is necessary to help the world meet these global goals.

We value innovative, timely, efficient, solution-oriented, and cost-effective services and systems. We are committed to achieving the highest levels of customer satisfaction. We provide leadership to the community in delivering proactive financial solutions and services that encompass sound financial controls and the effective and efficient use.


Financial Services will be recognized as proactive, results-oriented leaders who work in collaboration with their clients to offer excellence in operational and strategic financial management to support the objective achievement.


To provide advanced and creative finance products and services for all our clients, both locally and internationally, through a successful team and using advanced programs, techniques and tools that keep up with the advancements in today’s world, in an effort to fulfill the aspirations of our clients, shareholders and employees, and to reflect our values of social responsibility”


Retail Banking, Trade Finance, Fintech


  • Building and developing a professional financial services team, with the best experience and the ability to implement the latest techniques and systems.

  • Building a strategic relationship with its clients and finance and banking institutions, both locally and internationally.

  • Overview

    AMRO Financial Arm, represent by AMRO Capitol Indonesia, will play it roles as a Financial institutions that can acquire, combine, integrate and develop internal and external know-how to accelerate group of business innovation process.

    Therefore, AMRO ecosystem—consist of network of unique relationships with fintech startups, e-commerce, real sector visionaries, key industry partners, financial regulators, fintech media and the investment community—is one of our key competitive advantages.

    As we developing our various fintech ecosystems, AMRO Capitol Indonesia create an organizations to strengthen by supporting banks, insurance companies and asset managers, on the Investor side and real sector practitioners, supply chain, retail chain on the investee side.

    We attract clients both side investor and investee, strategic partners and insights to enhance AMRO Capitol products & services—a critically important factor in future-proofing ecosystem business in the world of open banking and APIs.

    When it comes to developing an effective strategy, evaluation of competitors and partners is essential. Some of the potential largest companies in our local (regional/global) ecosystem players like : Geraiku, Yummy Kitchen, Wahyoo, Perinus, GoJek Group etc

    Moreover Indonesia is a mobile-first nation; around 75 percent of the online buys are made through cell phones. Statistic of internet usage in Indonesia is surpassing the developed nations, at any rate, Indonesian internet users are very digitally savvy. They are ”netizens” with a requirement for a steady network, instant information, and developing more craving for digital content. They spend a higher than average amount of time on the Internet, primarily captivating in overwhelming online networking use and web-based businesses (e-commerce). Their social media usage is among the most elevated of any population in the world. In 2016, the revenue of the web-based business in Indonesia added up to USD6 billion, where 78 percent of current Internet clients made online buys. The business is required to develop by First, in terms of the financial services concentration, the country is still being heavily reliant on the banking sector. It was reported that around 79 percent of the country’s financial services was dominated by banks, Second regarding the distribution of the financial institution geographically, the concentration was reported to be heavier in the Western part of Indonesia. The previously mentioned report explained that financial institutions are more densely available in the western part of Indonesia, particularly Java, Sumatra, and Bali (World Bank, 2010). The report suggested that the Indonesian commercial banking outlet was distributed mostly in Java (52 percent), Sumatra (22 percent), Kalimantan (9 percent), Sulawesi (8 percent), Bali and Nusa Tenggara (5 percent), and Maluku as well as Papua (4 %).