Scaling life-centric digital banking in Indonesia with Mambu
Bank Jago partnered with Mambu in 2020, implementing its core banking platform in just 7 months. Since then, the bank established itself as one of Indonesia’s leading life-centric digital banks delivering substantial growth and reshaping how Indonesians manage their finances.
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Bank Jago
About the customer
PT Bank Jago Tbk is a tech-based bank which aspires to enhance the growth of millions through life-centric digital financial solutions. The bank offers banking products and services, available in both conventional and Sharia'h forms.
Bank Jago develops the Jago App, designed to be seamlessly embedded within various digital ecosystems, and can be customised and personalised to be compatible with ecosystem partners' technology and the unique needs of each customer.
Bank Jago develops the Jago App, designed to be seamlessly embedded within various digital ecosystems, and can be customised and personalised to be compatible with ecosystem partners' technology and the unique needs of each customer.
To simplify customers' lives, the Jago App collaborates with digital ecosystems.
By 2024, the bank sustained strong growth in deposits, lending, and profitability. By mid-2025, it had grown to over 18 million customers, ranking consistently among Forbes’ World’s Best Banks and standing out as Indonesia’s top tech-based bank.
The challenge
From legacy banking to life-centric digital
When Bank Jago, originally Bank Artos Indonesia, rebranded and began its transformation in 2020, it wanted to move from a traditional setup to a fully digital, cloud-native model.
Indonesia’s banking market is highly competitive, with digital-first players and fintechs setting new standards for speed and customer experience.
To compete, Bank Jago needed a flexible core that could support rapid product development, scale securely, and comply with strict local regulations around data residency.
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