PT Bank Negara Indonesia (Persero) Tbk or BNI continues to demonstrate its commitment to strengthening the funding structure through accelerating digital transformation. This strategy has proven impactful in driving service efficiency while expanding the Current Account Saving Account or CASA base, especially in the midst of interest rate fluctuations and ongoing global economic pressures.
BNI Corporate Secretary Okki Rushartomo said that BNI's digital transformation is not just about adopting technology, but also focuses on improving customer experiences that are more personalized, relevant and sustainable.
“Our digital transformation is not only technology-oriented, but also how to create a more personalized and sustainable customer experience,” Okki said in a written statement.
One of BNI's main innovations in the digital realm is the wondr by BNI digital banking application, which has recorded significant growth in terms of both the number of users and transaction volume.
As of March 2025, BNI's total digital banking users had reached 24.4 million, growing 53.8% compared to the same period the previous year. The transaction value generated also jumped to IDR764.3 trillion on an annual basis (YoY).
“We continue to develop new features in wondr by BNI to ensure users have a strong reason to keep coming back,” Okki added.
This increase in the number of users and transaction volume also had a direct impact on the growth of BNI savings funds which increased by 10.2% YoY, strengthening the CASA structure and keeping the cost of funds efficient.
In terms of transaction frequency, BNI's digital channels recorded a significant increase. In the first quarter of 2025, the number of digital transactions reached 501 million, up from 318 million transactions in the first quarter of 2024. In detail, 283 million transactions came from BNI Mobile Banking and 218 million from wondr by BNI.
“High transaction frequency in digital channels drives more stable and efficient liquidity, hence strengthening our CASA structure,” Okki explained.
BNI's digital transformation is not only targeting retail customers, but also the corporate segment through the BNIdirect platform. As of March 2025, the number of BNIdirect users grew 7.2% YoY to 188,000 users, with total transactions jumping 16.4% to 337 million. Contributions from this platform helped drive an increase in current account balances by 3.4% and improved Cost of Fund by 20 basis points.
“We believe that a comprehensive digital transformation, both for retail and corporate customers, is the key to maintaining efficiency and long-term competitiveness,” Okki emphasized.
With an integrated digital strategy, BNI not only strengthens relationships with customers, but also proves its resilience in facing economic challenges, while maintaining solid and sustainable funding performance.