In Indonesia, the loan application process remains largely manual, contrasting with the efficiency of automated systems. Financial institutions' dependence on human operations for customer verification raises concerns about accuracy and processing times. This reliance on traditional methods underscores the need for modernization within the country's financial sector, to improve efficiency and enhance customer satisfaction. Traditional loan application methods in Indonesia rely on manual processes over automation, causing delays and potential inaccuracies in customer verification. Explore the implications of this outdated approach and its impact on the efficiency of financial institutions.