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Rencana Masuk Paylater, Bank Danamon: Masih dalam Tahap Kajian Mendalam

Rencana Masuk Paylater, Bank Danamon: Masih dalam Tahap Kajian Mendalam

Bank Danamon Indonesia Tbk (BDMN) membuka peluang ekspansi ke bisnis paylater untuk memperkuat segmen ritel, meski hingga Februari 2026 masih dalam tahap kajian mendalam. Wakil Direktur Utama Honggo Widjojo Kangmasto menyatakan minat kuat karena paylater termasuk kredit konsumsi potensial, tapi bank memilih pendekatan hati-hati.

Alasan Kajian Mendalam

Paylater menjanjikan penetrasi pasar ritel lebih luas, namun Danamon menimbang model bisnis dan skema penyaluran optimal. Faktor utama meliputi risiko kredit, infrastruktur digital, serta dinamika regulasi OJK yang ketat. Pendekatan kehati-hatian ini sejalan dengan transformasi Danamon sebagai bank konvensional berbasis digital.

Opsi Strategis Dipertimbangkan

Penyaluran via entitas grup seperti Home Credit Indonesia untuk sinergi internal.

Kolaborasi dengan ekosistem digital mitra strategis induk usaha MUFG Group.

Sinergi dengan startup portofolio MUFG di Indonesia guna percepatan pasar minim risiko.

Opsi-opsi ini dieksplorasi untuk perluas basis nasabah tanpa abaikan prinsip prudent banking.

Kinerja Terkini Pendukung

Pada 2025, Danamon catat DPK Rp176,9 triliun (naik 16% yoy), NPL turun ke 1,7%, dan LAR 8,3%. Laba bersih capai Rp4 triliun, beri fondasi kuat jelang ekspansi paylater. Fokus utama tetap penguatan digital sambil eksplor peluang baru.

Prospek 2026

Meski ramai bank lain masuk paylater, Danamon prioritas pemulihan daya beli masyarakat dan kolaborasi grup. Keputusan final tunggu hasil kajian, dengan penekanan pada keamanan siber dan AI. Langkah ini potensial dorong pertumbuhan kredit konsumsi di tengah ekonomi pulih.

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