Livin’ by Mandiri has emerged as a key player in Indonesia's digital financial sector, offering easy and integrated financial services through its platform. As of the first quarter of 2025, Livin' by Mandiri has made significant strides, recording growth in both its user base and transaction volume.

Impressive Performance in 2025: Transaction and User Growth

By the end of Q1 2025, Livin’ by Mandiri reached 30.7 million registered users. This surge in users has been mirrored by a remarkable increase in transaction volume, which reached 1.1 billion transactions. Additionally, the total transaction value for the platform reached IDR 1,070 trillion, showing a 16% growth year on year (YoY). This growth highlights the platform's ability to drive financial activity among users.

Digital Innovations Driving the Future of Banking

Livin’ by Mandiri’s success is driven by continuous innovation, particularly in digital payment features. The platform’s QR Payment feature experienced a 159% YoY growth as of March 2025. This feature is unique for offering flexibility in payment methods, enabling users to pay from savings accounts, credit cards, and even Paylater options. According to Darmawan Junaidi, President Director of Bank Mandiri, "We continue to accelerate digital innovation to provide banking services that are increasingly relevant and adaptable to the needs of our customers in this dynamic era."

Expanding Financial Services for the Digital Economy

Livin’ by Mandiri serves not only as a transaction platform but also as a comprehensive service for loans, credit, and investment. Features such as Credit Card Installments, Personal Loans, Livin' Auto, and Livin' Mortgage give users fast and flexible access to funding tailored to their needs. The platform also supports access to digital investment instruments, including mutual funds, bonds, and stocks. These offerings have contributed to the growth of Bank Mandiri's retail credit sector, which reached IDR 1,672 trillion in Q1 2025.

Additionally, Livin' by Mandiri facilitates seamless international financial transactions. The platform supports transfers in 18 foreign currencies, providing an easy way for families with children studying abroad to send money and for businesses to manage global transactions.

Sustainability and ESG Initiatives

Livin’ by Mandiri’s role in supporting Bank Mandiri’s commitment to Environmental, Social, and Governance (ESG) principles is evident. The digital platform helps reduce reliance on physical documents, in-person branch visits, and energy consumption, all contributing to a reduction in the bank’s carbon footprint. Bank Mandiri aims for net-zero emissions by 2030 and has already achieved a 33% reduction in emissions compared to its 2019 baseline as of 2024.

PHOTO: MANDIRI

This article was created with AI assistance.