Jakarta, Jan. 26 -- Indonesia's Financial Services Authority (OJK) expects the number of automated teller machines (ATM) to continue declining, driven by the rapid adoption of digital banking services and cashless payment systems.

OJK's Chief Banking Supervisor Dian Ediana Rae said in Jakarta on Monday that decisions to reduce ATM networks remain business considerations for banks, but changing customer behavior linked to financial technology is accelerating the shift away from physical infrastructure.

According to OJK's latest banking surveillance report, the number of ATMs, cash deposit machines, and cash recycling machines stood at 89,774 units in the third quarter of 2025, down from 91,173 units in the same period a year earlier.

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