PT Bank Syariah Indonesia Tbk (BSI) continues to strengthen its role as a Bulion Bank or gold bank through its digital channel, the BYOND superapp (05/01).

BYOND Superapp Sees Rapid Adoption Among Gen Z and Millennials

As of November 2025, BYOND by BSI has reached 5.7 million users from various age groups. The majority of users are in the 20-40 age range, dominated by Gen Z and millennials.

BYOND as a Comprehensive Platform for Finance and Lifestyle

The superapp is designed not just as a digital banking app but as a full ecosystem for Islamic finance and lifestyle services. It allows users to manage financial transactions, investments, and social activities all in one platform.

Anton Sukarna, Director of Sales & Distribution at BSI, stated, “Digital acceleration is a long-term focus for BSI, and we will continue to innovate so that BSI can compete and become the primary choice for the public. Currently, we are also enhancing BYOND to bring BSI closer to its customers.”

Gold Transactions Increase Significantly

BSI has strengthened BYOND as its main channel for gold services. By November 2025, BSI’s gold balance reached 1.6 tons, reflecting a 261.37% growth year-to-date. This growth indicates a notable increase in gold transactions through the platform.

Expanded Gold Banking Features

BYOND offers features including buying, selling, transferring, printing physical gold, gold installment plans, and pawning services. BSI plans to continue adding features to help customers manage gold safely and easily, including regular gold savings.

Gold remains a key focus for BSI. The bullion service, launched in February 2025, is still being promoted. Currently, gold ownership in Indonesia is relatively low, though it is a safe-haven investment that can be used for long-term needs such as Hajj, children’s education, and other financial goals.

PHOTO: BSI

This article was created with AI assistance.