In the 2019 Google, Temasek and Bain report, the number of unbanked and underbanked people in ASEAN reached 296 million out of a total of 400 million adults. In Indonesia itself, there are still around 139 million out of 181 million adults who are included in the unbanked and underbanked category. Meanwhile, data from Financial Inclusion Insights (FII), the National Council for Financial Inclusion, and Kantar in 2018 stated that only 55.7 percent of Indonesians have formal financial institution accounts.