Ina strategic initiative to advance its digital transformation agenda, a 16-member delegation from BURO Bangladesh recently visited Amartha Financial, Indonesia’s leading fintech-based microfinance institution. Over the four-day visit, the delegation gained in-depth insights into Amartha’s digital loan management model, the integration of technology with human touch, and the organization’s work culture. These insights are expected to significantly strengthen BURO Bangladesh’s own digital transformation efforts and enhance its strategic implementation in the context of Bangladesh.

Established in 2010, Amartha has impacted the lives of more than 3.3 million women entrepreneurs, with 99% of its clientele being women. The institution operates across 1,242 operational points through a centralized digital platform, effectively blending human connection with digital innovation to deliversustainable and inclusive services.

During the visit, the BURO Bangladesh team closely observed Amartha’s digital loan approval process, fully cashless disbursement and collection systems, AI-driven identity verification and credit scoring, customer protection mechanisms, and social impact assessment framework.

The delegation also explored several innovative products and services, including Group Loan, the fully digital loan “Amatha Modal,” the savings product “Celengan,” the “Amartha Link” agent network, and the “Poket” digital wallet.  The extensive use of technology has enabledgreater transparency, faster service delivery, reduced operational costs, andstronger client engagement across Amartha’s operations.

BURO Bangladesh expects that the experience gained from this visit will further strengthen the human-centered elements of its digitalization efforts and open new strategic opportunities to reach underserved and marginalized populationsacross the country.

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