A financial app that combines banking services with the power of digital ecosystem
So you can get one step closer to achieving your dreams. Bersama kita Jago.
So you can get one step closer to achieving your dreams. Bersama kita Jago.
Jago is a financial app that provides banking services with the power of a digital ecosystem, to deliver innovative money management solutions to help millions of Indonesians get one step closer to their dreams.
Founded by serial innovators with proven track records in micro lending and digital banking, Jago is positioned to become Indonesia’s pioneering and leading life-centric finance solution. We aspire to be a strong tech-based bank embedded in Indonesia’s digital ecosystem, to fulfill the needs of the middle and mass market segment, including the small and medium enterprises.
Formerly known as PT Bank Artos Indonesia Tbk (Bank Artos), in 2019. Bank Artos entered a new era with the shift of controlling shareholders. In 2020, we changed our name to PT Bank Jago Tbk and welcomed Gojek, through its payments and financial services arm Gopay, as our shareholder. In 2021, GIC Private Limited invested in Jago to strengthen our pipeline of innovations as per our aim to provide a robust life-centric finance solution.
With a capital of IDR 8 trillion, Jago is officially a bank with a vast opportunity to grow and continuously innovate.
Jago is a life-centric app that allows you to make Jago your own. Customize it to fit your needs and style. Look out for groundbreaking features from Jago’s collaboration with digital ecosystem players. Make the many lifestyle digital services you use daily even better and easier, simplifying your daily tasks.
Enjoy life without worries. Get what you want, when you want.
Life is best enjoyed with family and friends. That is why Jago also makes sure you can collaborate in your digital financial life. Share your plans, your goals, your finances with the people closest to you.
Be Jago at living together. Plan, save, and spend with your family and friends.
Innovation is at the core of Jago’s value proposition. Starting from innovation around what others call bank accounts.
In Jago we call them pockets. It’s the easiest way to budget and separate money. Jago pockets are simple and flexible, yet fast and secure. Jago ensures a high level of safety for your data and money, all modifiable to your preference with industry-leading security and speed. No waiting, no spinning wheels.
Be Jago with the most simple life finance solution.
We look at work and finances from a life perspective
We passionately develop ourselves through self discovery and self mastery, and together enhance growth for our customers.
We productively challenge normality to invent creative solutions.
Our working system enables us to adapt to changes quickly, and make decisions fast.
PT Bank Artos Indonesia Tbk was established in Bandung, West Java with a variety of banking product & services.
PT Bank Artos Indonesia Tbk officially became a public company after offering its initial shares to the public and listing its shares on the Indonesia Stock Exchange (IDX) with the issuer code ARTO
PT Metamorfosis Ekosistem Indonesia (MEI) and Wealth Track Technology Limited (WTT) acquired PT Bank Artos Indonesia Tbk with total shares 51%.
(April) Bank Jago conducts Limited Public Offering I (Rights Issue). The bank's core capital grows to IDR 1.3 trillion.
(December) Gojek through PT Dompet Karya Anak Bangsa (GoPay) becoming Bank Jago strategic investor (non controlling shareholder) with total shares 22.16%.
(March) Bank Jago conducts Limited Public Offering II (Rights Issue). Bank Jago capital increase to IDR 8.11 trillion.
(March) GIC Private Limited becoming Bank Jago investor (non controlling shareholder).
(April) PT Bank Jago Tbk launched a life-centric digital app that makes money management simple, collaborative and innovative.
(July) PT Bank Jago Tbk (Jago) has entered into a strategic partnership with APERD online, PT Bibit Tumbuh Bersama (Bibit). This in-depth integration enables users to open a Jago account and investment management simple, fast and seamless.
(July) Jago and Gojek announced the first phase of collaboration. Jago pocket is integrated as a cashless payment method on the Gojek app, enabling seamless payments for Gojek services.
(September) PT Bank Jago Tbk (JAGO) inaugurated the Sharia Business Unit to serve the mass market segment based on sharia principles.
We believe that banking experience should be as simple as you, centered around you, and enabling you to live and grow.
Start living life to the fullest with your family and friends.
Download Jago App, select either Jago or Jago Syariah and proceed to complete your registration on your phone.
Scan this QR code with your smartphone’s camera to download now.
JERRY NG
President Commissioner
Indonesian citizen (age 54). He was appointed as President Commissioner of Bank Jago pursuant to the resolution at the Extraordinary General Meeting of Shareholders on 15 November 2019 and effective on 18 March 2020. Jerry is a professional who has been involved in the banking industry for more than 30 years. He has held several other Board level positions in the Indonesian financial and banking sector during his career, including Deputy President Director at PT Bank Danamon Indonesia Tbk, PT Bank Central Asia Tbk, Deputy Chair of the Indonesian Bank Restructuring Agency (Badan Penyehatan Perbankan Nasional/BPPN), President Director at Federal International Finance, Senior Advisor at TPG Capital, Southeast Asia, and most recently served as President Director of PT Bank BTPN Tbk. Holds a Bachelor of Business Administration degree from the University of Washington. He has also served in several world organizations, including the Board of Trustees at SymAsia Foundation, Singapore, the Blum Center for Developing Economics at the University of California, Berkeley, and the Board of Advisors at the Jackson Institute of Global Affairs at Yale University.
Indonesian citizen (age 54). He was appointed as President Commissioner of Bank Jago pursuant to the resolution at the Extraordinary General Meeting of Shareholders on 15 November 2019 and effective on 18 March 2020. Jerry is a professional who has been involved in the banking industry for more than 30 years. He has held several other Board level positions in the Indonesian financial and banking sector during his career, including Deputy President Director at PT Bank Danamon Indonesia Tbk, PT Bank Central Asia Tbk, Deputy Chair of the Indonesian Bank Restructuring Agency (Badan Penyehatan Perbankan Nasional/BPPN), President Director at Federal International Finance, Senior Advisor at TPG Capital, Southeast Asia, and most recently served as President Director of PT Bank BTPN Tbk. Holds a Bachelor of Business Administration degree from the University of Washington. He has also served in several world organizations, including the Board of Trustees at SymAsia Foundation, Singapore, the Blum Center for Developing Economics at the University of California, Berkeley, and the Board of Advisors at the Jackson Institute of Global Affairs at Yale University.
ANIKA FAISAL
Commissioner
Indonesian citizen (age 52). She was appointed as Commissioner of Bank Jago pursuant to the resolution of the Extraordinary General Meeting of Shareholders on 15 November 2019 and effective on 18 March 2020 at the Extraordinary General Meeting of Shareholders on effective. She is a professional who has been involved in the financial industry for more than 29 years. Her previous senior positions include Expert Staffer to the Chair and Deputy Chair of IBRA, Compliance Director of Bank Danamon, and most recently served as Compliance Director and Corporate Secretary of PT Bank BTPN Tbk. Holds a Bachelor of Laws degree from the University of Indonesia, she is actively involved in various professional and prominent associations, including at the Indonesian Bankers Association (IBI), Indonesian Economic Bachelor Association (ISEI), National Bank Association (Perbanas) and Compliance Director Communication Forum (FKDKP). Anika is currently active as an expert staffer at Perbanas, Member of the Perbanas Institute's Daily Management Board (BPH), and as Secretary General of the Indonesian Bankers Association since April 2019.
Indonesian citizen (age 52). She was appointed as Commissioner of Bank Jago pursuant to the resolution of the Extraordinary General Meeting of Shareholders on 15 November 2019 and effective on 18 March 2020 at the Extraordinary General Meeting of Shareholders on effective. She is a professional who has been involved in the financial industry for more than 29 years. Her previous senior positions include Expert Staffer to the Chair and Deputy Chair of IBRA, Compliance Director of Bank Danamon, and most recently served as Compliance Director and Corporate Secretary of PT Bank BTPN Tbk. Holds a Bachelor of Laws degree from the University of Indonesia, she is actively involved in various professional and prominent associations, including at the Indonesian Bankers Association (IBI), Indonesian Economic Bachelor Association (ISEI), National Bank Association (Perbanas) and Compliance Director Communication Forum (FKDKP). Anika is currently active as an expert staffer at Perbanas, Member of the Perbanas Institute's Daily Management Board (BPH), and as Secretary General of the Indonesian Bankers Association since April 2019.
ARIEF SUROWIDJOJO
Commissioner
Indonesian citizen (age 68), obtained his Bachelor of Laws from the University of Indonesia in 1996 and Master of Laws from School of Law University of Washington in 1984. He started his career in law in 1985 by establishing Lubis Ganie Surowidjojo Law Firm as Founder & Senior Partner until now. He has served as Independent Commissioner in several companies, namely at PT Holcim Indonesia Tbk (2001– 2015), PT Sampoerna Agro Tbk (2007– 2013), PT Vale Indonesia Tbk (2009–2016), PT ABM Investama Tbk (2015–current), PT Bank BTPN Tbk (2016–2018), and Audit Committee Member and Risk Oversight Committee Member PT Bank Jago Tbk. (2020-current).
Indonesian citizen (age 68), obtained his Bachelor of Laws from the University of Indonesia in 1996 and Master of Laws from School of Law University of Washington in 1984. He started his career in law in 1985 by establishing Lubis Ganie Surowidjojo Law Firm as Founder & Senior Partner until now. He has served as Independent Commissioner in several companies, namely at PT Holcim Indonesia Tbk (2001– 2015), PT Sampoerna Agro Tbk (2007– 2013), PT Vale Indonesia Tbk (2009–2016), PT ABM Investama Tbk (2015–current), PT Bank BTPN Tbk (2016–2018), and Audit Committee Member and Risk Oversight Committee Member PT Bank Jago Tbk. (2020-current).
TEGUH DARTANTO
Commissioner (independent)
Indonesian citizen. He was appointed as Independent Commissioner of Bank Jago pursuant to the resolution of the Extraordinary General Meeting of Shareholders on 15 November 2019 and effective on 18 March 2020. Holds a Doctorate in Development Economics at Nagoya University, a Postgraduate degree in Economics at Hitotsubashi University, Japan, and Bachelor of Economics degree from the University of Indonesia. He is the Chairman of the Department of Economics, Faculty of Economics and Business, University of Indonesia since April 2018 and previously served as Chairman of the Economics Study Program in 2014 - 2018. He has made various innovations and transformations in teaching and managing the Study Program and Department of Economics as an effort to respond to the development of Science, the development of the digital world and millennial generation. The Department of Economics developed and adopted the MOOC (Massive Open Online Course), Hybrid Teaching Model, International Exchange Program, Teaching beyond Google & Research Taintment. He is one of the researchers at the JICA Research Institute in Tokyo, Japan in 2012-2013, member of the Indonesian Young Scientists Academy, a member of the 2017 Eisenhower Fellow, Chair of the Indonesian Economic Studies Program Association.
Indonesian citizen. He was appointed as Independent Commissioner of Bank Jago pursuant to the resolution of the Extraordinary General Meeting of Shareholders on 15 November 2019 and effective on 18 March 2020. Holds a Doctorate in Development Economics at Nagoya University, a Postgraduate degree in Economics at Hitotsubashi University, Japan, and Bachelor of Economics degree from the University of Indonesia. He is the Chairman of the Department of Economics, Faculty of Economics and Business, University of Indonesia since April 2018 and previously served as Chairman of the Economics Study Program in 2014 - 2018. He has made various innovations and transformations in teaching and managing the Study Program and Department of Economics as an effort to respond to the development of Science, the development of the digital world and millennial generation. The Department of Economics developed and adopted the MOOC (Massive Open Online Course), Hybrid Teaching Model, International Exchange Program, Teaching beyond Google & Research Taintment. He is one of the researchers at the JICA Research Institute in Tokyo, Japan in 2012-2013, member of the Indonesian Young Scientists Academy, a member of the 2017 Eisenhower Fellow, Chair of the Indonesian Economic Studies Program Association.
KHARIM INDRA GUPTA SIREGAR
President Director
Indonesian citizen (age 54). He was appointed as President Director of Bank Jago pursuant to the resolution of the Extraordinary General Meeting of Shareholders on 15 November 2019 and effective on 18 March 2020. His previous senior positions include Executive Vice President / Head of Business Support - Danamon Savings and Loans Division, Vice President for Electronic Channel & Customer Loyalty - Retail Banking at Bank Mega, Vice President / Head of IT Group at Bank Universal, and most recently served as Director of PT Bank BTPN Tbk for a decade. He graduated in Mechanical Engineering from the Bandung Institute of Technology (1990).
Indonesian citizen (age 54). He was appointed as President Director of Bank Jago pursuant to the resolution of the Extraordinary General Meeting of Shareholders on 15 November 2019 and effective on 18 March 2020. His previous senior positions include Executive Vice President / Head of Business Support - Danamon Savings and Loans Division, Vice President for Electronic Channel & Customer Loyalty - Retail Banking at Bank Mega, Vice President / Head of IT Group at Bank Universal, and most recently served as Director of PT Bank BTPN Tbk for a decade. He graduated in Mechanical Engineering from the Bandung Institute of Technology (1990).
ARIEF HARRIS TANDJUNG
Deputy President Director
Indonesian citizen (age 51). He was appointed as Deputy President Director of Bank Jago Bank Jago pursuant to the resolution of the Extraordinary General Meeting of Shareholders on 15 November 2019 and effective on 18 March 2020. His previous senior positions include Executive Vice President and Head of Danamon Bank SME Banking Business, Head of Consumer Banking Business Finance at Standard Chartered Bank, Vice President Corporate Performance Management at Permata Bank, until finally serving as Finance Director of PT Bank BTPN Tbk for more than 10 years. He holds a Bachelor's degree in Electrical Engineering from the University of Indonesia (1991), and participated in CFO Strategic Financial Leadership Program by Stanford Business School Executive Education (2013).
Indonesian citizen (age 51). He was appointed as Deputy President Director of Bank Jago Bank Jago pursuant to the resolution of the Extraordinary General Meeting of Shareholders on 15 November 2019 and effective on 18 March 2020. His previous senior positions include Executive Vice President and Head of Danamon Bank SME Banking Business, Head of Consumer Banking Business Finance at Standard Chartered Bank, Vice President Corporate Performance Management at Permata Bank, until finally serving as Finance Director of PT Bank BTPN Tbk for more than 10 years. He holds a Bachelor's degree in Electrical Engineering from the University of Indonesia (1991), and participated in CFO Strategic Financial Leadership Program by Stanford Business School Executive Education (2013).
PETERJAN VAN NIEUWENHUIZEN
Director
Dutch citizen (age 41). He was appointed as Director of Bank Jago pursuant to the resolution of the Extraordinary General Meeting of Shareholders on 15 November 2019 and effective on 18 March 2020. Most recently served as Digital Banking Head at PT Bank BTPN Tbk. He began his career as a McKinsey & Company where he spent nearly 10 years serving clients in Europe, North America, Southeast Asia and Africa in financial services and IT. Peter became Chief Operating Officer at VP Bank Vietnam after previously running a digital banking start-up business in Saigon. Holds a Master Degree in Computer Science from the Twente University in the Netherlands, and obtained his Bachelor of Mathematics degree from Pembroke College, Cambridge University (2003). He is also a member of the Gates Cambridge Alumni Association (GCAA).
Dutch citizen (age 41). He was appointed as Director of Bank Jago pursuant to the resolution of the Extraordinary General Meeting of Shareholders on 15 November 2019 and effective on 18 March 2020. Most recently served as Digital Banking Head at PT Bank BTPN Tbk. He began his career as a McKinsey & Company where he spent nearly 10 years serving clients in Europe, North America, Southeast Asia and Africa in financial services and IT. Peter became Chief Operating Officer at VP Bank Vietnam after previously running a digital banking start-up business in Saigon. Holds a Master Degree in Computer Science from the Twente University in the Netherlands, and obtained his Bachelor of Mathematics degree from Pembroke College, Cambridge University (2003). He is also a member of the Gates Cambridge Alumni Association (GCAA).
SONNY CHRISTIAN JOSEPH
Director
Indonesian citizen (age 48), obtained his Bachelor of Economics from the University of Hasanudin in 1996. He served in a number of strategic positions, among others as Senior Vice President SME Risk Head PT Bank Danamon Indonesia Tbk. (1996-2010), Senior Vice President Asset Head Institutional Banking Group PT Bank DBS Indonesia (2010-2012), Head of Business Banking, Senior Executive Vice President, Board of Management, PT Bank Tabungan Pensiunan Nasional Tbk. (2012-2018), President Director & Co-Founder PT Berdayakan Usaha Indonesia (2018-2020), dan Business Head Partnership Lending & Digital SME PT Bank Jago (April 2020-current).
Indonesian citizen (age 48), obtained his Bachelor of Economics from the University of Hasanudin in 1996. He served in a number of strategic positions, among others as Senior Vice President SME Risk Head PT Bank Danamon Indonesia Tbk. (1996-2010), Senior Vice President Asset Head Institutional Banking Group PT Bank DBS Indonesia (2010-2012), Head of Business Banking, Senior Executive Vice President, Board of Management, PT Bank Tabungan Pensiunan Nasional Tbk. (2012-2018), President Director & Co-Founder PT Berdayakan Usaha Indonesia (2018-2020), dan Business Head Partnership Lending & Digital SME PT Bank Jago (April 2020-current).
TJIT SIAT FUN
Compliance Director / Corporate Secretary
Indonesian citizen (age 50). She was appointed as Director of Bank Jago pursuant to the resolution of the Extraordinary General Meeting of Shareholders on 15 November 2019 and effective on 18 March 2020. Most recently served as the Compliance Director at PT Bank DBS Indonesia (2016-2019). She has 24 years experience in the banking sector, where 18 years of her career is focused on Compliance. Her previous senior positions include Compliance Director at Deutsche Bank AG (2010-2014), Compliance Director at PT Bank MNC International Tbk (2014-2015). She holds a Bachelor’s degree of Accounting from Tarumanegara University.
Indonesian citizen (age 50). She was appointed as Director of Bank Jago pursuant to the resolution of the Extraordinary General Meeting of Shareholders on 15 November 2019 and effective on 18 March 2020. Most recently served as the Compliance Director at PT Bank DBS Indonesia (2016-2019). She has 24 years experience in the banking sector, where 18 years of her career is focused on Compliance. Her previous senior positions include Compliance Director at Deutsche Bank AG (2010-2014), Compliance Director at PT Bank MNC International Tbk (2014-2015). She holds a Bachelor’s degree of Accounting from Tarumanegara University.
UMAKANTH RAMA PAI
Director
Indian citizen, (Age 50), obtained his Bachelor of Technology from Govt Engineering College Thrissur, University of Calicut in 1992 and Master of Business Administration from Department of Commerce & Management Studies, University of Calicut in 1994. He served in several strategic positions in Standard Chartered Bank, India as Manager Credit Card Operation (1995- 1999), Manager Credit Initiation (1999- 2002) and Head of Credit (Unsecured)(2003-2005). He was the Head of Credit Unsecured Risk in Standard Chartered Bank, Singapore during 2005-2006.
He was the SVP & Head of Risk, Cards Personal Loans & Consumer Finance (2006-2009) in Bank Danamon Indonesia. He has also served as Cluster Risk Head Southern Africa & Country Credit Head Standard Chartered Bank Botswana (2009- 2013), Country Credit Head Retail Banking Standard Chartered Bank, United Arab Emirates (2013-2016), and Managing Director & Chief Credit Officer Retail Banking South Asia, Standard Chartered Bank India (2016-2021).
Indian citizen, (Age 50), obtained his Bachelor of Technology from Govt Engineering College Thrissur, University of Calicut in 1992 and Master of Business Administration from Department of Commerce & Management Studies, University of Calicut in 1994. He served in several strategic positions in Standard Chartered Bank, India as Manager Credit Card Operation (1995- 1999), Manager Credit Initiation (1999- 2002) and Head of Credit (Unsecured)(2003-2005). He was the Head of Credit Unsecured Risk in Standard Chartered Bank, Singapore during 2005-2006.
He was the SVP & Head of Risk, Cards Personal Loans & Consumer Finance (2006-2009) in Bank Danamon Indonesia. He has also served as Cluster Risk Head Southern Africa & Country Credit Head Standard Chartered Bank Botswana (2009- 2013), Country Credit Head Retail Banking Standard Chartered Bank, United Arab Emirates (2013-2016), and Managing Director & Chief Credit Officer Retail Banking South Asia, Standard Chartered Bank India (2016-2021).
Yulizar Djamaluddin Sanrego
Chairman of Sharia Supervisory Board
An Indonesian Citizen, appointed as Chairman of Sharia Supervisory Board of Bank Jago pursuant to the resolution of the Extraordinary General Meeting of Shareholders on 22 September 2021. Sanrego obtained his Bachelor of Islamic Muamalah/Economics from the University of Djuanda in 1999. Furthermore, he earned a postgraduate at International Islamic University Malaysia (2005) and a Phd at Syarif Hidayatullah State Islamic University (2010) in the of Islamic economic and finance. He was an advisor and researcher on Islamic economic and finance in the Saudi Arabian Monetary Authority (SAMA) from 2017 until 2019. He has also served as Member of the National Sharia Council of the Indonesian Ulema Council (MUI) since 2010. He serves as Member of the Sharia Supervisory Board in several financial institutions such as the Indonesian Export Financing Agency (2012-present), and CIMB Niaga (2013-present).
An Indonesian Citizen, appointed as Chairman of Sharia Supervisory Board of Bank Jago pursuant to the resolution of the Extraordinary General Meeting of Shareholders on 22 September 2021. Sanrego obtained his Bachelor of Islamic Muamalah/Economics from the University of Djuanda in 1999. Furthermore, he earned a postgraduate at International Islamic University Malaysia (2005) and a Phd at Syarif Hidayatullah State Islamic University (2010) in the of Islamic economic and finance. He was an advisor and researcher on Islamic economic and finance in the Saudi Arabian Monetary Authority (SAMA) from 2017 until 2019. He has also served as Member of the National Sharia Council of the Indonesian Ulema Council (MUI) since 2010. He serves as Member of the Sharia Supervisory Board in several financial institutions such as the Indonesian Export Financing Agency (2012-present), and CIMB Niaga (2013-present).
Muhammad Maksum
Member of Sharia Supervisory Board
An Indonesian Citizen, appointed as Chairman of Sharia Supervisory Board of Bank Jago pursuant to the resolution of the Extraordinary General Meeting of Shareholders on 22 September 2021. Maksum obtained his Bachelor, double Master from Syarif Hidayatullah State Islamic University and University of Perpignan France, and Phd at Syarif Hidayatullah State Islamic University. Currently, he is the Secretary of the Daily Executive Board for Sharia Banking at the National Sharia Board of Indonesian Ulema Council (DSN-MUI). He is a member of the Sharia Supervisory Board at several financial institutions, such as PT. RHB Asset Management and PT. Asuransi Tugu Pratama Indonesia Tbk.
An Indonesian Citizen, appointed as Chairman of Sharia Supervisory Board of Bank Jago pursuant to the resolution of the Extraordinary General Meeting of Shareholders on 22 September 2021. Maksum obtained his Bachelor, double Master from Syarif Hidayatullah State Islamic University and University of Perpignan France, and Phd at Syarif Hidayatullah State Islamic University. Currently, he is the Secretary of the Daily Executive Board for Sharia Banking at the National Sharia Board of Indonesian Ulema Council (DSN-MUI). He is a member of the Sharia Supervisory Board at several financial institutions, such as PT. RHB Asset Management and PT. Asuransi Tugu Pratama Indonesia Tbk.