New branchless banking scheme piloted in rural Indonesia
12 June 2014 Last updated at 00:14 BST
According to Bank Indonesia, nearly half of the country's 240 million strong population does not have access to financial services.
Now, some of the country's big banks are piloting a new scheme known as 'branchless banking' as a way to expand financial services to rural areas.
The scheme allows people to save, transfer money, and pay bills all through a local shop.
BBC Indonesia's Christine Franciska reports.