Jakarta, CNBC Indonesia - The super app owned by PT Bank Syariah\nIndonesia (Persero) Tbk. (BRIS), BYOND by BSI, has recorded a 197%\ngrowth in users since its launch in November 2024. By the end of last\nyear, the number of app users exceeded 6 million.<\/p>\n
In addition to BYOND, BSI is still activating BSI Mobile, the mobile\nbanking app that was available previously. As of December 2025, the\nnumber of BSI mobile banking users has surpassed 9 million, with more\nthan 3 million being BSI Mobile users.<\/p>\n
BSI President Director Anggoro Eko Cahyo stated that digital\ntransformation has proven effective in improving the company\u2019s business\nperformance. \u201cDigitalisation serves as an entry gate to introduce BSI\nproducts and services in an easy, secure, and inclusive manner, one of\nwhich is through BYOND,\u201d he said in an official statement on Tuesday\n(31\/3\/2026).<\/p>\n
The growth in BYOND users is driven by BSI\u2019s digital transformation\nthrough the development of adaptive innovative features and products.\nOne of them is the bullion bank service in the form of Gold Savings that\ncan be accessed via BYOND with affordable denominations starting from\nRp50,000. This innovation has also contributed to the increase in Gold\nSavings users to more than 530,000 customers, or a 417% year-on-year\n(YoY) growth. In addition to e-gold services, BSI continues to develop\nfeatures within the app, including in the hajj and umrah ecosystem.<\/p>\n
Furthermore, BSI will continue to strengthen digital transformation\nin 2026 through enhancements in technological capabilities, service\nquality, and expansion of the digital ecosystem. This strategy is aimed\nat sustainably increasing the number of users, transaction frequency,\nand transaction value, while reinforcing BSI\u2019s role in delivering\nadaptive sharia financial solutions.<\/p>\n
Currently, BSI has a complete and integrated e-channel ecosystem,\nincluding BSI Call 14040, around 6,000 ATMs\/CRMs, BYOND, BEWIZE for\ninstitutional cash management, BSI Net, the BSI Agent network which has\nreached more than 126,000 agents across Indonesia, and remittance\nservices in various countries.<\/p>\n
Through BYOND, customers can access various services conveniently,\nfrom account opening, gold investment, financing, to social and\nspiritual features such as ZISWAF, mosque locations, and qibla\ndirection.<\/p>\n
In addition, the hajj savings account opening service with an initial\ndeposit of Rp100,000 is one of the popular features. In the last year,\nthe number of hajj savings users through BYOND increased 108% (YoY) to\naround 380,000 customers. These various innovations have also driven an\nincrease in BYOND transactions to more than 730 million transactions, up\n52% (YoY), with a transaction value exceeding around Rp820 trillion or\nan increase of 48% annually.<\/p>\n
Anggoro added that in 2026, BSI is optimistic about achieving more\nthan 10 million mobile banking users. In line with the vision of\nbecoming The Best Digital Sharia Bank in the World, BSI continues to\nstrengthen its digital capabilities through the development of various\nplatforms, such as mobile banking (BYOND and BSI Mobile), internet\nbanking (BSI Net), BSI Merchant App, Banking as a Service (BaaS), Open\nAPI, and Cash Management System (BEWIZE).<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/byond-super-app-users-by-bsi-surge-197-since-launch-1774943667", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }