PT Bank Negara Indonesia (Persero) Tbk, or BNI, emphasizes that customer trust is the primary foundation for building a future digital financial industry. With rapid technological advancements and increasing openness to collaboration, the company believes innovation must go hand in hand with efforts to safeguard customer security and interests.
This was conveyed by BNI Finance & Strategy Director Hussein Paolo Kartadjoemena in a panel discussion entitled "Beyond Banking: Rewiring the Financial System" which was part of the Indonesia Digital Banking Summit (IDBS) 2026 series at the Raffles Hotel Jakarta, on Tuesday (7/7).
At the forum, which brought together leaders from the financial and digital technology industries, Paolo joined several other speakers from the digital finance sector. He stated that technological advancements have pushed the financial services industry into an era of greater collaboration, ensuring that all industry players share a shared responsibility to maintain public trust.
"Beyond Banking opens up opportunities for collaboration. However, because we're in the financial sector, we must work together to maintain customer trust. Our collaboration must prioritize customer interests," said Paolo.
Paolo explained that BNI views collaboration as a strategy to provide services that are increasingly relevant to the community's needs. Therefore, the company partners with companies or partners with specific competencies and expertise to complement its banking service capabilities to meet customer needs.
Through this approach, BNI can combine the strengths of its banking services with innovations developed by its partners. One example is collaboration on digital identity services that support faster and more accurate verification processes, as well as partnerships within the digital payment ecosystem to provide more transaction options tailored to the public’s preferences.
In addition to expanding collaboration, BNI continues to strengthen its capabilities in core competencies, including the development of banking infrastructure. This step is taken to ensure that every innovation is supported by a reliable, secure system that maintains customer trust.
In addition to continuing to innovate, BNI also emphasizes the importance of strengthening protection against fraud risks and cyber threats. According to Paolo, digital ecosystem security is a shared responsibility of all stakeholders to ensure public confidence and comfort in using digital financial services.
“The more comfortable the public is with using financial sector products and services, the greater the benefits for the entire ecosystem. Therefore, innovation must go hand in hand with efforts to strengthen consumer protection,” Paolo concluded.
In line with the spirit of “Swadharma Bhakti Negara”—the central theme of BNI’s 80th anniversary celebration—the Company continues to advance its digital transformation through responsible innovation, strategic collaboration, and the strengthening of governance and risk management to maintain public trust as the cornerstone of supporting sustainable national economic growth.