PT Bank Negara Indonesia (Persero) Tbk (BNI) is strengthening digital transformation as a key driver of business growth through its retail platform wondr by BNI and wholesale platform BNIdirect, which are expanding digital services, transactions, and customer engagement (9/9).

As of the first half of 2026, wondr by BNI had 15.1 million users, with 1.1 billion transactions worth Rp958 trillion. Meanwhile, BNIdirect recorded 279,700 users and 789 million transactions valued at Rp6,039 trillion.

The growth reflects the increasing role of digital channels in supporting the financial activities of individual and corporate customers.

Wondr by BNI and BNIdirect Drive Digital Transactions

BNI Finance & Strategy Director Hussein Paolo Kartadjoemena said the bank's digital transformation is focused not only on improving service convenience, but also on expanding customer relationships and creating new sources of business growth.

"Transaction growth on wondr by BNI and BNIdirect shows that digital platforms are increasingly becoming an important part of customers' financial activities. This opens up room for BNI to expand engagement, increase transactions, and provide more solutions according to customers' needs," Paolo said in a written statement.

BNI Expands Digital Transaction Network

BNI's digital services are supported by a broad transaction network. As of the first half of 2026, BNI had 13,386 ATMs, more than 229,000 branchless banking agents, and more than 1.042 million merchants and QRIS.

BNI is also continuing to develop its Open API ecosystem, which is connected to more than 2,000 partners through 283 API services.

This connectivity expands BNI's interaction points with customers and supports the integration of its services with various business partners.

Digital Capabilities Support Efficiency and Cross-Selling

According to Paolo, BNI is developing its digital capabilities to improve process efficiency while strengthening opportunities for cross-selling and business development.

"Going forward, we will continue to ensure that digital investment and innovation deliver real impact on the business, both through increased transactions, process efficiency, as well as cross-selling opportunities and ecosystem development. Thus, technology will not only be an enabler, but will become part of BNI's sustainable growth engine," Paolo said.

BNI Strengthens Digital Transformation Through Danantara Ecosystem

The strengthening of digital capabilities is also part of BNI's transformation as a state-owned enterprise within the Danantara Indonesia ecosystem.

Through stronger business fundamentals, technology capabilities, and digital services, BNI continues to improve its competitiveness while supporting the activities of communities and businesses.

In line with the spirit of Swadharma Bhakti Nagara, BNI will continue developing wondr by BNI and BNIdirect, expanding digital connectivity, and integrating various transaction channels to improve service quality and strengthen sustainable business growth.

PHOTO: BNI

This article was created with AI assistance.

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