Why Bank Mandiri’s Livin super app is quietly reshaping everyday banking

With the Livin super app, Bank Mandiri wants to make banking in Indonesia feel as quick as ordering a ride - from instant transfers and QR payments to savings and investments in one brightly colored interface.

Reviewed: ad hoc news Software & Services desk. Edited and checked on 2026-06-18, 18:50. Details in the imprint.

Open the Livin super app from Bank Mandiri and the first impression is almost playful - bright yellow accents, big tiles, and a home screen that puts transfers, bill payments, and QR scanning under your thumb in seconds.

What Livin wants to be

Livin is Bank Mandiri’s “super app” for retail customers, bundling basic banking, digital wallet functions, lifestyle payments, and even investment access into one mobile hub for Indonesian users. The bank pitches it as a full daily financial companion rather than just a balance-checking tool.

The app targets both urban smartphone natives and people who previously relied on cash and branches, with a design that keeps frequent tasks like transfers and bill payments within two or three taps.

Everyday use on the home screen

In daily use, the home screen revolves around three things: instant transfers, QRIS payments in shops, and quick top-ups for mobile credit or e-wallets. Customers can move money between Mandiri accounts, to other banks, or to e-money services directly from Livin.

For users, that means a familiar routine: scan the store’s QR code, confirm the amount, and get a vibration and on-screen tick within seconds that the payment went through. Utility bills and streaming subscriptions can be paid from the same interface without hunting for separate apps.

Beyond payments with savings and investments

Livin is designed to pull more of a customer’s financial life into one place by layering savings, virtual cards, and investment options on top of basic payments. Users can open and monitor savings products and time deposits, and in some cases access mutual funds directly in the app.

Mandiri also integrates loyalty features and personalised offers, using data from spending patterns and account balances to suggest bundles or savings goals that feel relevant rather than generic.

AI, personalisation, and financial inclusion

According to Bank Mandiri executives, Livin uses AI to personalise dashboards, highlight likely next actions, and surface targeted financial tips for users with limited banking experience. The bank frames this as a way to gently nudge customers toward healthier saving and budgeting habits.

The app is a key tool in Mandiri’s financial inclusion strategy, helping people who may live far from branches open and manage accounts, pay bills, and receive salaries entirely digitally. That approach has helped the bank reach millions of additional users across Indonesia’s islands.

Cross-border features and digital lifestyle

Livin increasingly reaches beyond domestic transfers, supporting selected cross-border payments and currency transactions for Indonesians who travel or shop internationally. Within the same app, Mandiri promotes travel insurance, ticketing partners, and e-commerce links, blurring the line between banking and lifestyle services.

For younger users, this creates a consistent pattern: they use Livin to split restaurant bills, pay for ride-hailing, top up games, and then check their spending summaries at the end of the week.

Where Livin still has room to grow

For all its breadth, Livin still depends on reliable mobile data and smartphones powerful enough to run a feature-rich app smoothly, which can be a barrier in rural areas. The crowded interface can also feel overwhelming for first-time users facing dozens of icons.

Security prompts and one-time passwords add friction during busy checkout moments, although they are standard in Indonesia’s banking apps. Some customers also still prefer separate specialist apps for investments or trading, limiting how far Livin can pull everything under one roof.

Role in Mandiri’s digital strategy and stock context

For Bank Mandiri, Livin is more than a flashy front end - it is the main “branch in your pocket” for a generation that rarely visits physical counters, and a channel to cross-sell higher-margin products to a growing retail base. It also helps Mandiri defend market share against aggressive local digital banks and fintechs.

Shares of PT Bank Mandiri (Persero) Tbk (ID1000095003) trade on the Indonesia Stock Exchange (IDX) in Jakarta in Indonesian rupiah.

Key facts on the Livin super app

• Product: Livin super app
• Manufacturer: PT Bank Mandiri (Persero) Tbk
• Category: Software / mobile banking service
• Launch: Initially launched in earlier form and upgraded to current “Livin by Mandiri” super app concept in the early 2020s
• RRP / Price: Free app, standard banking fees may apply to transactions
• Availability: Available in Indonesia via Google Play and Apple App Store for Bank Mandiri customers
• Target group: Indonesian retail customers, from smartphone-native urban users to previously underbanked segments
• Highlight / USP: Combines payments, savings, investments, and lifestyle services in a single Mandiri-branded super app focused on financial inclusion

This article was AI-assisted and editorially reviewed. Product information without guarantee; prices and availability may change at short notice. No investment advice, no buy or sell recommendation. Stock-market transactions involve risks up to total loss.