Being one of the top banks in Indonesia which strives to advance together with our customers and the society, CIMB Niaga’s strategic focus on Customer Centric will be optimised through ongoing efforts in strengthening and sustaining our current Customer Experience (“CX”) model.

All CX initiatives will be carried out on the basis of our 3Es promise to customers:

Making banking Easy

Efficient

Always going the Extra mile

  • Treating Customers
    Fairly
  • Protecting Data, Security & Privacy of Our Customers
  • Financial Inclusion Through
    Digital Banking
Treating Customers Fairly
  • Treating Customers Fairly
  • Protecting Data, Security & Privacy of our Customers
  • Financial Inclusion Through Digital Banking

Bank continues to strengthen its systems and enhance controls over customer data security and management. Bank has established the Cyber Security Operations Unit and the Data Protection Office, both operating under the Operations and Information Technology Directorate. The Cyber Security Operations Unit is responsible for developing and maintaining a robust security system, monitoring and detecting threats, responding swiftly to security incidents, and increasing security awareness. Meanwhile, the Data Protection Office ensures that personal data processing within Bank complies with personal data protection principles and applicable regulations in Indonesia. Both the Cyber Security Operations Unit and the Data Protection Office regularly submit monitoring and evaluation reports on information security systems to Director of Operations and Information Technology.

Our approach to data protection, privacy and security, centres on the respect to our customers and the data they have disclosed and entrusted to us. Privacy and data protection laws set out requirements for handling personal information.

There are two main aspects that guide data privacy and data management:

  • Use of personal information must be lawful and fair, and
  • Monitoring of systems and processes to ensure that personal information held is secure and accurate.

CIMB Niaga has also developed a security architecture that integrates the technology processes by referencing and following renowned and recognised international technology, process and management standards, as well as broader governance and prudential principles

Recognising that cyber security is a concern shared by organisations globally, controls are put in place to protect both our customers’ and our business data from cyber threats. In response to this growing risk, we have invested significant resources to protect the security, integrity and confidentiality of our information.

As of the end of 2024, CIMB Niaga offered digital banking services through OCTO Mobile, OCTO Clicks, BizChannel@CIMB, and other e-channels. To enhance transaction volumes via digital services, Bank regularly monitors and updates its digital banking platforms. Throughout 2024, digital banking services facilitated 654 million financial transactions. From this total, the estimated greenhouse gas (GHG) emission reduction potential reached approximately 165 thousand tonnes of CO₂ equivalent.