Pegadaian's Digital Transformation Accelerates in 2025

Significant Growth in Digital Transactions

PT Pegadaian has reported a remarkable increase in digital transactions throughout 2025, driven by its ongoing digital transformation strategy. The company recorded 34 million digital transactions during the year, marking a substantial 324% year-on-year growth. This surge was accompanied by a significant expansion in the customer base, with active digital customers reaching 4.6 million, representing a 244% YoY increase.

Launch of Integrated Platform Tring!

The growth was largely attributed to the successful launch of Tring!, an integrated digital platform introduced in October 2025. Tring! consolidated the company's previous digital offerings - Pegadaian Digital and Pegadaian Syariah Digital - into a single, more robust application. Within its first few months, Tring! achieved 3 million user onboarding and facilitated transactions worth Rp 21 trillion.

Enhanced User Experience

The company maintained high user satisfaction, with the Tring! application achieving a rating of above 4.0 on both Android and iOS platforms. This reflects the platform's stability and user-friendly features. The success of Tring! has positioned Pegadaian as a leader in Indonesia's digital financial services landscape.

Future Plans and Innovations

Looking ahead to 2026, Pegadaian remains committed to its digital transformation journey. In January 2026, the company released an updated version of Tring! (v8.3.0), introducing new features such as easier payment options for third-party pawn transactions and enhanced flexibility for microtransactions. These developments aim to further improve user experience and expand access to financial services for small businesses and individuals.

Strategic Vision

Pegadaian's digital strategy aligns with its vision to become The Leader in the Gold Ecosystem and Digital Growth Inclusion. The company's focus on enhancing service quality, system reliability, and financial inclusion is expected to drive sustainable business growth while expanding its reach across Indonesia.