Mapping Financial Services Points Across Indonesia

Pulse Lab Jakarta

Project Description

Focused on how to support policymakers in improving financial services points’ availability and access in terms of proximity, Pulse Lab Jakarta partnered with the Secretariat of The National Council for Financial Inclusion (SNKI) to design an interactive geospatial mapping tool with the aim of charting the various financial services points across the country’s archipelago.

Prototyped using data from Yogyakarta City, Yogyakarta and Bima District, West Nusa Tenggara, the tool visualises financial services points and existing gaps based on socio-economic infrastructure and financial services offered. Together with SNKI and Women’s World Banking (WWB), we explored a few ideas and fine-tuned them along the way, resulting in a prototype visualisation dashboard.

Multiple datasets were used to develop the interactive visualisation dashboard, enabling policymakers to explore data layers and indicators that are relevant for improving financial access, and more broadly financial inclusion. These data sets range from financial and telecommunications data to geospatial and demographic data, which have been collected by Government institutions such as the Financial Services Authority (OJK), the Ministry of Communication and Information Technology, Statistics Indonesia (BPS), and National Team for the Acceleration of Poverty Reduction (TNP2K) to name a few.

By visualising the information, we sought to enhance policymakers’ analysis and decisions towards the broader objective of financial inclusion. The tool features indicators beyond the conventional measurements of financial inclusion, for instance, branches per capita or ATMs per 100,000 people — which typically do not factor in where people live in relation to financial services points. Important information related to financial services points were added and categorised into Financial Access Points (FAP) and Potential Access Points (PAP). Eight indicators were integrated for the financial access points, namely: the availability and locations of State banks, Regional banks (BPD), Private banks, Joint Venture banks, Sharia banks (BPR Syariah), Banking agents, Cooperatives and ATMs. 

The visualisation dashboard is designed with a modular orientation to accommodate additional data sets. Building the prototype, we only used data from two districts in Indonesia, which allowed us to do rapid prototyping and testing. Nevertheless, to scale up the Indonesian Financial Access Map across the country, relevant data for other parts of the country will be required. PLJ hand over the prototype of the interactive geospatial financial access map to the National Council for Financial Inclusion (DNKI), where it’ll be enhanced for future usage at national-scale for more informed and timely policy making. 

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