Jakarta (ANTARA) \u2013 Just around a year and a half after its launch on\n6 March 2025, Bal\u00e9 by BTN has surpassed 5,021,503 registered users. The\nmilestone marks a significant step in the digital transformation of PT\nBank Tabungan Negara (Persero) Tbk (BTN), and reflects the growing shift\nby customers towards digital banking services.<\/p>\n
The Bal\u00e9 by BTN user base grew by 51 per cent year on year. The\nincrease in users was accompanied by a surge in transaction activity. By\nSeptember 2026, the app had recorded 2.23 billion transactions, up 46\nper cent year on year, with transaction value reaching Rp103.53\ntrillion, an increase of 44 per cent.<\/p>\n
BTN President Director Nixon L.P. Napitupulu said that surpassing\nfive million users was the result of the bank\u2019s efforts over several\nyears to modernise its services and strengthen its digital transaction\nbusiness.<\/p>\n
\u201cReaching five million users is something we can be proud of. In\naround a year and a half since its launch, Bal\u00e9 by BTN has become an\nimportant part of BTN\u2019s modernisation. Going forward, we want it to\nbecome more personalised and to have distinctive qualities that set it\napart from other digital services,\u201d Nixon said.<\/p>\n
Growth has been supported by the expansion of Bal\u00e9 by BTN\u2019s\nfunctions. The app now offers more than 764 features, catering not only\nto basic banking needs but also to a range of customers\u2019 everyday\nrequirements.<\/p>\n
Customers can use Bal\u00e9 by BTN for banking transactions, flight and\nhotel bookings, train and Whoosh tickets, mobile phone credit and data\npackages, shopping vouchers, tourism and event services, and various\nfinancing solutions. BTN has also developed Bal\u00e9 Properti to help people\nsearch for homes and access the home-financing process more easily.<\/p>\n
Bal\u00e9 by BTN is therefore being developed not merely as a mobile\nbanking app, but as a super app connecting customers\u2019 financial, housing\nand lifestyle needs within a single digital ecosystem.<\/p>\n
\u201cCompetition in digital services will continue to evolve, and\nfeatures will become increasingly easy to copy. Bal\u00e9 by BTN therefore\nneeds to offer a distinctive experience. We want it to be closer to\ncustomers\u2019 needs and provide convenience that is genuinely relevant to\ntheir activities,\u201d Nixon said.<\/p>\n
Making a greater contribution to the business<\/strong><\/p>\n Alongside growth in users and transactions, Bal\u00e9 by BTN is making an\nincreasingly tangible contribution to the company\u2019s business. By\nSeptember 2026, savings funding raised through BTN\u2019s digital ecosystem\nhad increased by 30 per cent, while fee-based income had risen by 42 per\ncent year on year.<\/p>\n BTN is also extending the reach of its digital services through\npartnerships across a range of ecosystems, including merchants,\neducation, transport, healthcare, tourism, property and other strategic\npartners. These collaborations bring BTN\u2019s services closer to people\u2019s\neveryday activities without requiring every interaction to take place at\na branch.<\/p>\n Nixon said that, after achieving a larger user base, the next\npriority was to improve the quality of engagement so that Bal\u00e9 by BTN\ncould deliver greater benefits to customers and support the bank\u2019s\nbusiness growth.<\/p>\n \u201cNow that our user base has grown, the challenge is to make the best\nuse of our users, transactions and ecosystem so that they bring\nincreasing benefits to customers while contributing to BTN\u2019s business\ngrowth,\u201d Nixon said.<\/p>\n The growth of digital services has also been accompanied by stronger\nsecurity measures. Nixon said the expansion of digital transactions\nneeds to be supported by reliable technology and greater public\nunderstanding of transaction security.<\/p>\n \u201cAs digital services develop, security must be considered from the\noutset. The challenge of digital crime is not only about technology, but\nalso about how people understand and use it. Security and customer\neducation must therefore go hand in hand,\u201d he said.<\/p>\n BTN will continue developing Bal\u00e9 by BTN as its primary digital\nservice channel, with an increasingly personalised, relevant and\nintegrated experience. With more than five million users and a growing\necosystem, the app is expected to further strengthen digital banking as\na driver of BTN\u2019s transformation and business growth.<\/p>",
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