Jakarta. Indonesia's digital finance industry is shifting its focus from simply digitizing financial services to ensuring innovation delivers tangible benefits for businesses and economic growth, the Indonesian Fintech Association (Aftech) said at the Indonesia Digital Banking Summit (IDBS) 2026 on Tuesday.

Held for the third consecutive year, the summit brought together more than 350 participants, including representatives from banks, fintech firms, regulators, and businesses, to discuss collaboration aimed at supporting the real economy.

Speaking at the event, Aftech Secretary General Firlie Ganinduto said this year's summit adopted the theme "Beyond Banking: Redesigning Finance for Wellbeing and Growth in the Real Economy," reflecting a broader industry shift toward creating measurable economic impact.

"Our focus is no longer just on digitizing financial services, but on ensuring financial innovation delivers real benefits for society and the productive sectors," Firlie said.

Discussions at the forum covered cybersecurity, the adoption of artificial intelligence (AI), and expanding productive financing for businesses.

Alongside the summit, Aftech released the results of its Annual Member Survey (AMS) 2025-2026, which involved 141 member companies and highlighted growing collaboration across Indonesia's digital finance ecosystem.

According to the survey, 81% of Aftech members have established active partnerships, with banks emerging as the industry's most important strategic partners, chosen by more than 60% of respondents.

The survey also showed that AI adoption has reached 84% among respondents, while around 90% have implemented governance, risk, and compliance (GRC) frameworks, reflecting stronger operational maturity across the sector.

Despite the industry's progress, Aftech Supervisory Board Chairman Arsjad Rasjid said significant challenges remain, particularly in improving access to financing for micro, small, and medium-sized enterprises (MSMEs).

"MSMEs continue to face difficulties in obtaining accessible and affordable financing. We hope more policies will encourage cross-sector collaboration so Indonesia's financial industry becomes more resilient and serves as an enabler of inclusive economic growth," Arsjad said.