Bale by BTN Experiences Rapid Growth and Strengthens BTN's Digital Ecosystem

PT Bank Tabungan Negara (Persero) Tbk, or BTN, has recorded positive performance from its flagship superapp, Bale by BTN. Over the past year, Bale by BTN has developed rapidly and become one of the main drivers of the company’s digital transformation.

Bale by BTN, according to BTN President Director Nixon LP Napitupulu, has become an important part of BTN’s efforts to strengthen relationships with customers through services that are more relevant to their daily needs. “We are developing Bale by BTN to strengthen BTN’s relationship with customers through daily transactions, not just at the time of financing. This is part of BTN’s transformation to be more relevant to the financial needs of the community,” said Nixon.

Bale by BTN has shown significant growth throughout 2025. The number of users increased from around 1.8 million in 2024 to more than 3.6 million users in 2025, or growing around 102 per cent year-on-year (YoY).

In terms of activity, the number of transactions increased from around 1.2 billion transactions in 2024 to more than 2.2 billion transactions in 2025, growing around 79 per cent YoY, reflecting that Bale is increasingly becoming the main platform for customers’ daily transactions. Meanwhile, in terms of transaction value, Bale recorded an increase from around Rp80 trillion in 2024 to more than Rp101 trillion in 2025, or growing around 25 per cent YoY.

Bale’s contribution to gathering low-cost funds has also strengthened, with Third-Party Funds (DPK) retail collected through Bale increasing from around Rp17 trillion in 2024 to Rp21.63 trillion in 2025. Bale users have an average balance up to 6.4 times higher than non-users, making Bale one of the main engines for increasing BTN’s CASA.

BTN Senior Executive Vice President for Digital Business Thomas Wahyudi said that Bale’s growth is driven by strengthening a wider and more integrated digital ecosystem. “We are developing Bale by BTN as a superapp that connects various customer needs, from banking transactions, housing financing, to lifestyle needs,” he said.

Currently, Bale has been integrated with various services such as Bale Properti, Bale Merchant, Bale Bisnis, Bale Agen, to Bale Community, which strengthens BTN’s position in building a comprehensive financial ecosystem. As part of strengthening that ecosystem, BTN has also introduced Bale Wisata, which facilitates customers’ travel needs through easy access to transportation tickets, tourist destinations, and hotel accommodation in one platform.

Through Bale Wisata, BTN offers various attractive promotions, including discounts on tourist tickets worth hundreds of thousands of rupiah, promotions on transportation tickets such as trains and high-speed rail, as well as bundling programmes for tourist destination tickets and hotels in various cities in Indonesia. The development of Bale Wisata not only enriches service features but also becomes part of BTN’s contribution to supporting the national tourism sector, which is one of the drivers of economic growth and Gross Domestic Product (GDP).

Amid global geopolitical dynamics, the domestic tourism sector has become one of the strategic opportunities to drive economic growth. The government, through the Ministry of Tourism and Creative Economy, is encouraging the public to travel domestically through the #DiIndonesiaAja and #WonderfulIndonesia campaigns.

BTN sees this momentum as an opportunity to strengthen its role in the domestic economic ecosystem, while also expanding customer engagement through more relevant services. “Through Bale Wisata, we not only provide transaction convenience but also want to be part of the domestic economic movement by encouraging people to travel in Indonesia,” said Thomas.

Meanwhile, BTN targets the number of Bale by BTN users to exceed 6 million by 2026. This target is supported by the development of more than 68 new features and service enhancements to strengthen the customer experience.

In addition, BTN will also strengthen various acquisition and engagement programmes, including collaborations with merchants, the lifestyle sector, to organising national events such as the Indonesia Coffee Expo 2026 through the Bale Ngopi initiative. With this strategy, Bale by BTN is expected not only to become a transaction platform but also a motor for low-cost fund growth, strengthening customer relationships, and BTN’s entry point into the digital ecosystem and Indonesian society’s lifestyle.