Now, OCTO Mobile by CIMB Niaga serves 2.7 million users and sees a 130.5% increase in financial transactions on an annual basis. With Indonesia's vast geographical area, information dissemination and banking infrastructure are still focused on big cities. This encourages the banking industry to launch digital banking that can be accessed from anywhere, even on the outskirts. Based on the results of the National Financial Literacy and Inclusion Survey, financial inclusion in terms of accessibility of financial services and products reached 83.60% in urban areas, whilst only showing 68.49% in rural areas. CIMB Niaga clearly saw this trend of digital banking opportunity and updated their offerings with new and more complete features. Asian Banking & Finance spoke to the President Director of CIMB Niaga, Lani Darmawan, to learn about the trends and challenges faced by banks in Indonesia. She also discussed CIMB Niaga's strategies in relation to the industry's demands.