Jakarta, CNBC Indonesia \u2014 PT Bank Tabungan Negara (Persero) Tbk\n(BBTN) is expanding its digital services through the bal\u00e9 by BTN app.\nBTN President Director Nixon L.P. Napitupulu said that by September 2026\nthe app had recorded 2.23 billion transactions, up 46% year on year.<\/p>\n
The app had 5,021,503 users, an annual increase of 51%. As of\nSeptember 2026, the value of transactions on bal\u00e9 by BTN reached\nRp103.53 trillion, up 44% year on year.<\/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,\u201d he said in a statement on\nTuesday (13 October 2026).<\/p>\n
Nixon said the growth had been supported by an expansion of the app\u2019s\nfunctions. bal\u00e9 by BTN now offers more than 764 features, serving not\nonly basic banking needs but also a range of customers\u2019 everyday\nrequirements.<\/p>\n
The app enables customers to carry out banking transactions, buy\nflight and hotel tickets, purchase tickets for trains and the Whoosh\nhigh-speed rail service, top up mobile credit and data packages, buy\nshopping vouchers, access tourism and event services, and use various\nfinancing solutions.<\/p>\n
BTN has also developed bal\u00e9 Properti to help people find homes and\naccess the home-financing process more easily.<\/p>\n
The development of bal\u00e9 by BTN is therefore intended to make it more\nthan a mobile banking app: it is designed as a super app connecting\ncustomers\u2019 financial, housing and lifestyle needs within a single\ndigital ecosystem.<\/p>\n
\u201cWe want this service to be increasingly attuned to customers\u2019 needs\nand to offer convenience that is genuinely relevant to their\nactivities,\u201d he said.<\/p>\n
Nixon added that the digital service was also contributing to the\ncompany\u2019s business. By September 2026, savings deposits generated\nthrough BTN\u2019s digital ecosystem had risen by 30%, while fee-based income\nincreased by 42% year on year.<\/p>\n
BTN is continuing to extend the reach of its digital services through\npartnerships across various ecosystems, including merchants, education,\ntransport, healthcare, tourism, property and other strategic\npartners.<\/p>\n
Nixon said that, after reaching a larger user base, the next priority\nwas to improve the quality of engagement so that bal\u00e9 by BTN would\ndeliver greater benefits to customers and contribute more to BTN\u2019s\nbusiness growth.<\/p>\n
\u201cNow that the user base has grown, the challenge is to optimise\nusers, transactions and the ecosystem so that they deliver greater\nbenefits to customers while also contributing to BTN\u2019s business growth,\u201d\nNixon said.<\/p>\n
He added that the expansion of digital services was being accompanied\nby stronger security measures. In his view, the growth of digital\ntransactions must be matched 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. That is why security and\ncustomer education must go hand in hand,\u201d he said.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/btns-digital-services-rise-46-to-rp103-5-trillion-by-third-quarter-1791892300", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }