Okay, the user wants me to translate "account-holder" into Indonesian. Let me think. The term "account-holder" refers to the person who owns an account, right? In Indonesian, the equivalent term would be "pemegang rekening." I should make sure that's the correct translation. Sometimes, financial terms can have specific translations. Let me double-check. Yes, "pemegang rekening" is commonly used in Indonesian banking contexts. So the translation should be "pemegang rekening." No need for any explanations, just the translation as per the user's request.