Asia’s best SME banking ecosystem 2026: Bank Mandiri

Bank Mandiri’s strength lies on the way it connects large companies, suppliers, distributors, retailers and consumers through three linked digital platforms: Kopra by Mandiri for wholesale banking, Livin’ Merchant for business operations and payment acceptance, and Livin’ by Mandiri for retail customers.

The result is an ecosystem in which SMEs can receive orders, collect payments, manage stock, access working capital and transact with larger counterparties without leaving the bank’s infrastructure.

Kopra provides the institutional layer.

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