From Legacy to Leadership: Panin Bank’s Digital Lending Transformation Kick-Off
We are excited to announce the official kick-off of the Digital Lending Modernization Project at Panin Bank — a major milestone in the bank’s bold Digital Transformation Journey.
This initiative aims to reimagine and modernize Panin’s core business systems, enabling the bank to deliver faster, smarter, and more customer-centric services, while embracing the power of AI and intelligent automation.
With a rich legacy of over 50 years and a network of more than 500 branches across Indonesia, Panin Bank stands as one of Indonesia’s most trusted financial institutions — especially known for its focus on SME banking. Now, the bank is setting its sights on the future.
This multi-year transformation program will span across the entire lending lifecycle, including:
- 1. Loan Onboarding
- 2. Decision Engine
- 3. Credit Scoring with Artificial Intelligence
- 4. Intelligent Document Management System (IDMS)
- 5. Modern Loan Operations
- 6. Advanced Collection & Recovery System
By integrating AI and digital workflows, Panin Bank aims to enhance productivity, minimize risks, and deliver an outstanding customer experience — all while reinforcing its competitive position in the evolving Indonesian banking landscape.
At Skyworx, together with our parent company Intikom, we feel truly honored to be trusted as a strategic technology partner in this transformation. This partnership is more than a project — it’s a shared mission to shape the future of banking through innovation, collaboration, and impact.
Let’s embrace the future together.
Let’s build smarter.
Let’s lead with legacy and technology.
