Indonesia has a problem about finance that hinders the growth and development mainly for small firms and household. This is because of the inability to access the finance services to these markets. To improve this, both public and private sector must contribute to fix this problem.
First the public sector needs to adjust the regulation on banks, allowing more access. As of right now, smaller customers are restricted access which discourages them to use the services. After the regulation has be readjusted allowing more access to customers, the private sector will be able to hit untapped market creating services for everyone encouraging even smaller customers to grow.
Together they could harness the use of technology to grant even more access to banking even to smaller company or even household who lives in the rural area to work conveniently.