Financial Services Authority Reports Decline in ATMs, CDMs, and CRMs in Indonesia

The Financial Service Authority (OJK) has revealed that it has seen a decline in Automatic Teller Machines (ATMs) across Indonesia.

The same is being said for the number of Cash Deposit Machines (CDMs) and Cash Recycling Machines (CRMs) in the country.

Number of ATMs, CDMs, and CRMs Decline

According to a report by ANTARA News, OJK's Chief Banking Supervisor Dian Ediana Rae noted that, at the end of Q3 2025, there were 89,774 units of ATMs, CDMs, and CRMs.

This number is less than the 91,173 recorded in the same period in 2024. What this means is that around 1,400 units had to be shut down within a year.

The decrease in number is believed to be manifestation of an also decreasing reliance on physical infrastructure when it comes to the public's banking needs.

What Has Contributed to the Decline in Number?

The decline in the number of ATMs, CDMs, and CRMs has been attributed to the adoption of digital banking services, as well as cashless payment systems.

Dian has noted that "The easier access to services through applications and online platforms, and the growing use of non-cash payments, have reduced the need for ATMs," according to RRI.

As banking services are made more and more accessible, many members of the public no longer find cash withdrawals essential, especially with the option to make cashless payments.

Furthermore, Diane also points out that that this contributes to Indonesia's goal of becoming a cashless society.

"Non-cash payment systems make economic transactions more efficient and have the potential to encourage broader economic activity,” he said.