Dream - The rapid development of technology has made the competition among players in the banking industry also extend to the digital world. Competition began to emerge when many digital banks appeared with various promotions to win the hearts of prospective customers.

In conducting its research, TABInsight considers factors such as profitability, operational efficiency, ability to obtain funding, and how to manage strong bookkeeping and financial statements.

With the digitization carried out by various banks in the world, customers no longer need to take leave from the office to go to the bank and enjoy various banking services.

"Not only that, digital services can also help tellers working in branch offices serve customers because queues decrease, allowing tellers to be more free in providing complex financial services to customers who come to the bank branch."

In Indonesia, digital banks are regulated by the Financial Services Authority (OJK) under OJK Regulation number 12/POJK.03/2021. OJK categorizes digital banks as Indonesian legal entities or BHI.