Bank-P2P Lending Cooperation to Become More Selective in 2026

Risk Management and Credit Quality Become Key Factors

The cooperation between banks and peer-to-peer (P2P) lending companies is expected to become more selective in 2026, with banks prioritizing P2P lenders with good performance. This is due to the increasing importance of risk management and credit quality in the banking sector.

Permata Bank and BCA Establish Partnerships with P2P Lending Companies

Permata Bank and BCA are among the banks that have already established partnerships with P2P lending companies, with the goal of expanding financial inclusion and improving credit access. According to Haryanto, Division Head of Consumer Lending at Permata Bank, the bank has partnered with several P2P lending companies to increase financial inclusion and provide access to credit for segments that are not directly reachable by the bank.

BCA Reviews Partnership with P2P Lending Companies

BCA is currently reviewing its partnership with P2P lending companies, with a focus on risk management and credit quality. According to Hera F. Haryn, EVP of Corporate Communication and Social Responsibility at BCA, the bank is committed to prioritizing caution and risk appetite in its decision-making process when it comes to lending.

Risks and Challenges in Bank-P2P Lending Cooperation

The cooperation between banks and P2P lending companies also poses risks and challenges, including credit risk, operational risk, and reputational risk. According to Josua Pardede, Head of Economics at Permata Bank, banks need to be careful in selecting partners and managing risks to avoid potential losses.

Conclusion

In conclusion, the cooperation between banks and P2P lending companies is expected to become more selective in 2026, with a focus on risk management and credit quality. Banks need to be careful in selecting partners and managing risks to avoid potential losses, while also providing access to credit for segments that are not directly reachable by the bank.