PT Bank Amar Indonesia (the Bank) is an Indonesia-based digital banking company that focuses on the retail and micro, small and medium enterprises (MSME) sectors. The Bank's segments include Online, Brick and mortar, and Head office. The Online segment comprises activities related to digital products and services and most of the activities do not involve physical presence. Brick and mortar segment comprises activities related to conventional banking products and services, and most of the activities involve physical presence and infrastructure, such as branches. Head office segment comprises treasury and other activities. Its products and services are categorized in to individual and business. Its products and services under individual category include savings Giro and deposits. Its products and services under the business category include deposits and loans. Tunaiku is its financial technology loan product that offers unsecured credit, which is supported by a credit scoring system.