{
    "success": true,
    "data": {
        "id": 1613378,
        "msgid": "btn-to-transition-from-specialist-to-full-service-banking-1773485539",
        "date": "2026-03-14 17:12:35",
        "title": "BTN to Transition from Specialist to Full-Service Banking",
        "author": "Hilda B Alexander",
        "source": "KOMPAS",
        "tags": "",
        "topic": "Banking",
        "summary": "State-owned Bank Tabungan Negara (BTN) is pursuing a strategic transformation from its traditional role as a mortgage lender to a comprehensive full-service bank offering diverse financial products and services. The bank aims to capitalise on customers' evolving financial needs throughout their lifecycle, deploying cross-selling strategies including payroll services, credit cards, renovation loans, and working capital financing, whilst modernising branch operations and opening digital stores across major urban centres.",
        "content": "<p>JAKARTA \u2014 Entering the 2025\u20132029 period, PT Bank Tabungan Negara\n(Persero) Tbk, or BTN, no longer wishes to be known solely as a housing\nloan provider, but rather as a financial partner present at every stage\nof Indonesian family life.<\/p>\n<p>This business transformation forms the core of BTN\u2019s new vision.<\/p>\n<p>BTN\u2019s Chief Operating Officer, I Nyoman Sugiri Yasa, emphasised that\nchanging the bank\u2019s image is an absolute priority amid increasingly\nintense banking competition.<\/p>\n<p>\u201cGoing forward, we want to change the perception that BTN is capable\nof delivering full banking services, not just housing finance,\u201d said\nNyoman during the BTN Journalism and Photography Awards Talk Show in\nJakarta on Friday (13 March 2026).<\/p>\n<p>Simply put, BTN recognises that when someone purchases a home, their\nfinancial needs do not cease once the credit agreement is completed.<\/p>\n<p>New homeowners invariably require funds for renovations, furnishings,\nvehicles, and future investments. This is where BTN enters through\ncross-selling strategies.<\/p>\n<p>Products such as payroll services, credit cards, Light Credit (KRING)\nfor renovations, and working capital financing have now become key tools\nto deepen penetration into customer wallets.<\/p>\n<p>This system centralises consumer credit processing to ensure greater\nstandardisation and digital integration. The result? Mortgage processing\nbecomes faster, more transparent, and more accurate.<\/p>\n<p>BTN continues to execute its branch rejuvenation programme.\nThroughout 2025, BTN has opened 20 new branches and relocated dozens of\nothers to strategic locations such as Pondok Indah and Central Park with\nmore modern concepts.<\/p>\n<p>Moreover, the presence of 24 BTN Digital Stores in shopping centres\nacross Jakarta-Bogor-Depok-Tangerang (Jabodetabek) through to Surabaya\ndemonstrates BTN\u2019s desire to be closer to urban lifestyle\npreferences.<\/p>\n<p>These digital outlets are distinctive because they continue to be\nsupported by superstaff ready to provide personalised guidance to\ncustomers.<\/p>\n<p>In response to signals from Finance Minister Purbaya Yudhi Sadewa,\nBTN\u2019s Chief Executive Officer Nixon Napitupulu did not hide his bank\u2019s\ninterest.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/btn-to-transition-from-specialist-to-full-service-banking-1773485539",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}