The digital maturity assessment of commercial banks, both conventional and sharia, is part of the implementation of the digital banking transformation blueprint released by the Financial Service Authority (OJK) on October 26th, 2021. This assessment includes the aspect of governance, risk management architecture, cyber resilience and security, technology, data, collaboration, and consumer protection that is regulated on Circular Letter Financial Service Authority (SEOJK) No.24/SEOJK.03/2023 concerning Digital Maturity Level Assessment of Commercial Banks. Using the quality level of digital banking implementation aspects with the categories Strong, Satisfactory, Fair, Marginal, and Unsatisfactory for each aspect above, the level of commercial digital maturity is categorized as ranking 1, ranking 2, ranking 3, ranking 4, and ranking 5. 

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