Indonesia is struggling to achieve financial inclusion. These barriers could be addressed through branchless banking program. This study explores roles of regulator and bank in the program. This study used secondary data and interviews to explore the objectives. Both regulator and banks are embracing branchless banking to achieve financial inclusion.

• Dimas Maulana(Bandung Institute of Technology (ITB), Indonesia)
• Mustika Sufiati Purwanegara(Bandung Institute of Technology (ITB), Indonesia)