Wallets/bank-jago
Bank Jago
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Overview
Bank Jago is Indonesian-listed technology-based bank + 18.6M+ customers Q3 2025 + 14.5M+ funding customers Q3 2025 + GoTo + Gojek ecosystem strategic partner + Indonesia's top tech-based bank Forbes World's Best Banks ranking [1, 2, id-cro]. 2025 baseline: Bank Jago 18.6M+ customers + 14.5M+ funding customers Q3 2025; GoPay Tabungan by Jago integration distinctive Indonesian on-demand platform + digital bank first-of-its-kind integration; 80% Bank Jago customers from strategic partners distinctive Indonesian ecosystem-driven digital bank growth.
Distinctive Bank Jago positioning:
- Indonesian-listed technology-based bank (IDX: ARTO; PT Bank Jago Tbk)
- 18.6M+ customers Q3 2025 + 14.5M+ funding customers Q3 2025 distinctive Indonesian digital bank scale
- GoTo + Gojek ecosystem strategic partner distinctive Indonesian ecosystem-driven digital bank
- Indonesia's top tech-based bank Forbes World's Best Banks ranking distinctive Indonesian digital banking recognition
- GoPay Tabungan by Jago integration distinctive Indonesian on-demand platform + digital bank first-of-its-kind integration
- 80% Bank Jago customers from strategic partners distinctive Indonesian ecosystem-driven digital bank growth
- 2020 Bank Jago digital bank transformation from PT Bank Artos Indonesia Tbk by Jerry Ng + Patrick Walujo + GIC + Northstar Group + Provident Group acquisition distinctive Indonesian digital bank pivot
History
1992 — PT Bank Artos Indonesia Tbk founded as Indonesian conventional bank.
2020 — PT Bank Artos Indonesia Tbk acquired by Jerry Ng (Metamorfosis Ekosistem Indonesia) + Patrick Walujo + GIC + Northstar Group + Provident Group + transformed to Bank Jago digital bank distinctive Indonesian digital bank pivot.
2021 — Bank Jago digital banking app launches as Indonesian mobile-first digital bank.
2022 — GoTo (Indonesian Gojek + Tokopedia combined entity) acquires significant stake in Bank Jago + GoPay + Bank Jago strategic partnership distinctive Indonesian on-demand platform + digital bank integration.
2024 — GoPay Tabungan by Jago integration: Indonesian public can open Jago bank account directly from Gojek application distinctive Indonesian on-demand platform + digital bank first-of-its-kind integration [3].
Q3 2025 — Bank Jago 18.6M+ customers + 14.5M+ funding customers; H1 2025 18M customers + 13.7M funding and deposit users; Indonesia's top tech-based bank Forbes World's Best Banks ranking [1, 2].
Ownership & operator
Operating entity: PT Bank Jago Tbk (IDX: ARTO; Indonesian-listed technology-based bank).
Major shareholders: Metamorfosis Ekosistem Indonesia (Jerry Ng controlling vehicle) + GoTo (Indonesian Gojek + Tokopedia combined entity) + GIC (Singapore sovereign wealth fund) + Northstar Group + Provident Group + Indonesian retail + institutional + foreign investors.
Regulators: OJK (Otoritas Jasa Keuangan / Financial Services Authority Indonesia) + Bank Indonesia.
Technical integration
Bank Jago mobile banking app (iOS + Android; 18.6M+ customers + 14.5M+ funding customers Q3 2025) + jago.com online + Bank Jago Visa + Mastercard cards; QRIS (Quick Response Code Indonesian Standard); GoPay Tabungan by Jago integration: Indonesian public can open Jago bank account directly from Gojek application; no minimum balance requirements; users can upgrade their accounts to GoPay Tabungan by Jago in two minutes via the GoPay or Gojek apps distinctive Indonesian on-demand platform + digital bank first-of-its-kind integration.
Users & growth
Q3 2025: Bank Jago 18.6M+ customers + 14.5M+ funding customers (actively use Bank Jago and Jago Syariah applications); H1 2025: 18M customers + 13.7M funding and deposit users; 80% Bank Jago customers from strategic partners distinctive Indonesian ecosystem-driven digital bank growth.
Use cases
Indonesian retail + private + commercial + digital + GoPay/Gojek ecosystem banking via Bank Jago mobile + jago.com online + Visa/Mastercard cards; QRIS; GoPay Tabungan by Jago integration: Indonesian public can open Jago bank account directly from Gojek application; no minimum balance requirements; users can upgrade their accounts to GoPay Tabungan by Jago in two minutes via the GoPay or Gojek apps distinctive Indonesian on-demand platform + digital bank first-of-its-kind integration + Jago Syariah Islamic banking + life-centric digital banking pockets distinctive Bank Jago money management approach.
Implementations & partners
Operator: PT Bank Jago Tbk (IDX: ARTO; Indonesian-listed technology-based bank); Metamorfosis Ekosistem Indonesia (Jerry Ng controlling vehicle) + GoTo (Indonesian Gojek + Tokopedia combined entity) + GIC (Singapore sovereign wealth fund) + Northstar Group + Provident Group + Indonesian retail + institutional + foreign investors.
GoTo + Gojek ecosystem partnership: GoTo (Indonesian Gojek + Tokopedia combined entity) acquires significant stake in Bank Jago + GoPay + Bank Jago strategic partnership distinctive Indonesian on-demand platform + digital bank integration; GoPay Tabungan by Jago integration: Indonesian public can open Jago bank account directly from Gojek application; no minimum balance requirements; users can upgrade their accounts to GoPay Tabungan by Jago in two minutes via the GoPay or Gojek apps distinctive Indonesian on-demand platform + digital bank first-of-its-kind integration; 80% Bank Jago customers from strategic partners.
Major Indonesian banking competitors: [[bank-central-asia]] (Bank Central Asia BCA Mobile; Indonesia's largest private bank by assets; IDX: BBCA; ~30M+ BCA Mobile users) + [[bank-mandiri]] (Indonesia's largest state-owned bank by assets; IDX: BMRI; Livin' by Mandiri) + [[bank-rakyat-indonesia]] (Bank Rakyat Indonesia BRImo; Indonesia's #2 state-owned bank by assets; IDX: BBRI; 38M+ BRImo users) + [[btn-indonesia]] (Bank Tabungan Negara; Indonesia's housing-focused state-owned bank; IDX: BBTN) + [[bank-neo]] (BNC Bank Neo Commerce; Indonesian digital bank; IDX: BBYB) + [[bank-aladin]] (Indonesian Islamic digital bank; IDX: BANK; Salam Indonesia) + [[seabank-id]] (SeaBank Indonesia; PT Bank Seabank Indonesia; Sea Group Shopee ecosystem) + [[allo-bank]] (Indonesian digital bank; CT Corp ecosystem) + [[dana]] (Indonesian mobile wallet; Sinar Mas Group + Ant Financial) + [[ovo]] (Indonesian mobile wallet; Grab + Tokopedia + Lippo Group) + [[gopay]] (Indonesian Gojek wallet; GoTo Group) + [[shopeepay]] (Indonesian Shopee wallet; Sea Group) + [[linkaja]] (Indonesian state-owned mobile wallet).
Regulators: OJK + Bank Indonesia.
Fun facts
- Indonesian-listed technology-based bank (IDX: ARTO; PT Bank Jago Tbk).
- 18.6M+ customers Q3 2025 + 14.5M+ funding customers Q3 2025 distinctive Indonesian digital bank scale.
- GoTo + Gojek ecosystem strategic partner distinctive Indonesian ecosystem-driven digital bank.
- Indonesia's top tech-based bank Forbes World's Best Banks ranking distinctive Indonesian digital banking recognition.
- GoPay Tabungan by Jago integration: Indonesian public can open Jago bank account directly from Gojek application distinctive Indonesian on-demand platform + digital bank first-of-its-kind integration.
- 80% Bank Jago customers from strategic partners distinctive Indonesian ecosystem-driven digital bank growth.
- 2020 Bank Jago digital bank transformation from PT Bank Artos Indonesia Tbk by Jerry Ng + Patrick Walujo + GIC + Northstar Group + Provident Group acquisition distinctive Indonesian digital bank pivot.
Comparison
| Feature | Bank Jago | [[bank-central-asia]] (Bank Central Asia rival; Indonesia's largest private bank by assets) | [[bank-mandiri]] (Indonesia's largest state-owned bank by assets rival) | [[bank-rakyat-indonesia]] (Bank Rakyat Indonesia rival; Indonesia's #2 state-owned bank by assets) | [[seabank-id]] (SeaBank Indonesia rival; Sea Group Shopee ecosystem) |
|---|---|---|---|---|---|
| Operator | PT Bank Jago Tbk (IDX: ARTO; Indonesian-listed technology-based bank) | Bank Central Asia (IDX: BBCA; Hartono family Djarum Group controlling) | Bank Mandiri (IDX: BMRI; Indonesian government majority controlling) | Bank Rakyat Indonesia (IDX: BBRI; Indonesian government majority controlling) | PT Bank Seabank Indonesia (Sea Group Shopee ecosystem subsidiary) |
| Type | Indonesian-listed technology-based bank + 18.6M+ customers Q3 2025 + 14.5M+ funding customers + GoTo + Gojek ecosystem strategic partner + Indonesia's top tech-based bank Forbes World's Best Banks ranking + GoPay Tabungan by Jago integration + 80% customers from strategic partners | Indonesia's largest private bank by assets + ~30M+ BCA Mobile users + Hartono family Djarum Group controlling | Indonesia's largest state-owned bank by assets + Livin' by Mandiri | Indonesia's #2 state-owned bank by assets + 38M+ BRImo users | Indonesian digital bank + Sea Group Shopee ecosystem |
| Country | ID | ID | ID + SG + HK + KY + UK + TW + others | ID + several | ID |
| Distinctive | 1992 PT Bank Artos Indonesia Tbk founding; 2020 PT Bank Artos Indonesia Tbk acquired by Jerry Ng + Patrick Walujo + GIC + Northstar Group + Provident Group + transformed to Bank Jago digital bank; 2021 Bank Jago digital banking app launch; 2022 GoTo acquires significant stake in Bank Jago + GoPay + Bank Jago strategic partnership; 2024 GoPay Tabungan by Jago integration: Indonesian public can open Jago bank account directly from Gojek application | 1957 BCA founding; 2000 BCA IPO on IDX | 1998 Bank Mandiri founding via merger of 4 Indonesian state-owned banks | 1895 BRI founding (Indonesia's oldest commercial bank) | 2021 SeaBank Indonesia founding |
Status
Active, Indonesian-listed technology-based bank + 18.6M+ customers Q3 2025 + 14.5M+ funding customers Q3 2025 + Indonesia's top tech-based bank Forbes World's Best Banks ranking [1, 2, 3]:
- PT Bank Jago Tbk (IDX: ARTO; Indonesian-listed technology-based bank) since 1992 PT Bank Artos Indonesia Tbk founding + 2020 PT Bank Artos Indonesia Tbk acquired by Jerry Ng + Patrick Walujo + GIC + Northstar Group + Provident Group + transformed to Bank Jago digital bank + 2021 Bank Jago digital banking app launch + 2022 GoTo acquires significant stake in Bank Jago + GoPay + Bank Jago strategic partnership + 2024 GoPay Tabungan by Jago integration.
- Bank Jago 18.6M+ customers + 14.5M+ funding customers Q3 2025.
- 80% Bank Jago customers from strategic partners.
- OJK + Bank Indonesia regulated.
Sources
- 1 The Art of Navigating the Digital Storm: Inside Bank Jago's Five-Year Odyssey — Suara Merdeka Jakarta
- 2 Indonesia's Digital Banking Scene is Getting Crowded — The Diplomat
- 3 GoPay and Jago collaboration enables Indonesians to open a bank account via the Gojek app — Fintech Finance News
- id-cro In-corpus:
reports/countries/ID-indonesia.md
Source
Biography extracted from bank-jago.md. See matrix.md for standards-support matrix if present.