PT Bank Tabungan Negara (Persero) Tbk, or BTN, has recorded positive\nperformance from its flagship superapp, Bale by BTN. Over the past year,\nBale by BTN has developed rapidly and become one of the main drivers of\nthe company\u2019s digital transformation.<\/p>\n
Bale by BTN, according to BTN President Director Nixon LP Napitupulu,\nhas become an important part of BTN\u2019s efforts to strengthen\nrelationships with customers through services that are more relevant to\ntheir daily needs. \u201cWe are developing Bale by BTN to strengthen BTN\u2019s\nrelationship with customers through daily transactions, not just at the\ntime of financing. This is part of BTN\u2019s transformation to be more\nrelevant to the financial needs of the community,\u201d said Nixon.<\/p>\n
Bale by BTN has shown significant growth throughout 2025. The number\nof users increased from around 1.8 million in 2024 to more than 3.6\nmillion users in 2025, or growing around 102 per cent year-on-year\n(YoY).<\/p>\n
In terms of activity, the number of transactions increased from\naround 1.2 billion transactions in 2024 to more than 2.2 billion\ntransactions in 2025, growing around 79 per cent YoY, reflecting that\nBale is increasingly becoming the main platform for customers\u2019 daily\ntransactions. Meanwhile, in terms of transaction value, Bale recorded an\nincrease from around Rp80 trillion in 2024 to more than Rp101 trillion\nin 2025, or growing around 25 per cent YoY.<\/p>\n
Bale\u2019s contribution to gathering low-cost funds has also\nstrengthened, with Third-Party Funds (DPK) retail collected through Bale\nincreasing from around Rp17 trillion in 2024 to Rp21.63 trillion in\n2025. Bale users have an average balance up to 6.4 times higher than\nnon-users, making Bale one of the main engines for increasing BTN\u2019s\nCASA.<\/p>\n
BTN Senior Executive Vice President for Digital Business Thomas\nWahyudi said that Bale\u2019s growth is driven by strengthening a wider and\nmore integrated digital ecosystem. \u201cWe are developing Bale by BTN as a\nsuperapp that connects various customer needs, from banking\ntransactions, housing financing, to lifestyle needs,\u201d he said.<\/p>\n
Currently, Bale has been integrated with various services such as\nBale Properti, Bale Merchant, Bale Bisnis, Bale Agen, to Bale Community,\nwhich strengthens BTN\u2019s position in building a comprehensive financial\necosystem. As part of strengthening that ecosystem, BTN has also\nintroduced Bale Wisata, which facilitates customers\u2019 travel needs\nthrough easy access to transportation tickets, tourist destinations, and\nhotel accommodation in one platform.<\/p>\n
Through Bale Wisata, BTN offers various attractive promotions,\nincluding discounts on tourist tickets worth hundreds of thousands of\nrupiah, promotions on transportation tickets such as trains and\nhigh-speed rail, as well as bundling programmes for tourist destination\ntickets and hotels in various cities in Indonesia. The development of\nBale Wisata not only enriches service features but also becomes part of\nBTN\u2019s contribution to supporting the national tourism sector, which is\none of the drivers of economic growth and Gross Domestic Product\n(GDP).<\/p>\n
Amid global geopolitical dynamics, the domestic tourism sector has\nbecome one of the strategic opportunities to drive economic growth. The\ngovernment, through the Ministry of Tourism and Creative Economy, is\nencouraging the public to travel domestically through the\n#DiIndonesiaAja and #WonderfulIndonesia campaigns.<\/p>\n
BTN sees this momentum as an opportunity to strengthen its role in\nthe domestic economic ecosystem, while also expanding customer\nengagement through more relevant services. \u201cThrough Bale Wisata, we not\nonly provide transaction convenience but also want to be part of the\ndomestic economic movement by encouraging people to travel in\nIndonesia,\u201d said Thomas.<\/p>\n
Meanwhile, BTN targets the number of Bale by BTN users to exceed 6\nmillion by 2026. This target is supported by the development of more\nthan 68 new features and service enhancements to strengthen the customer\nexperience.<\/p>\n
In addition, BTN will also strengthen various acquisition and\nengagement programmes, including collaborations with merchants, the\nlifestyle sector, to organising national events such as the Indonesia\nCoffee Expo 2026 through the Bale Ngopi initiative. With this strategy,\nBale by BTN is expected not only to become a transaction platform but\nalso a motor for low-cost fund growth, strengthening customer\nrelationships, and BTN\u2019s entry point into the digital ecosystem and\nIndonesian society\u2019s lifestyle.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/bale-by-btn-experiences-rapid-growth-and-strengthens-btns-digital-ecosystem-1774843133", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }