BRI's Digital Transformation Drives Merchant and QRIS Transaction Growth

PT Bank Rakyat Indonesia (Persero) Tbk or BRI continues to strengthen its digital transformation as part of efforts to create value with Danantara. Through the development of its merchant ecosystem and QRIS, BRI has recorded significant growth while strengthening its transaction-based low-cost funding base and expanding public access to financial services. This performance is reflected in the growth of the merchant business and QRIS up to the first quarter of 2026. The number of BRI merchants increased to 323.7 thousand, with transaction volume growing 26.5% year-on-year (yoy) to Rp67.9 trillion. Meanwhile, QRIS transaction volume surged 76% yoy to Rp30.3 trillion, and the number of transactions increased 86.5% yoy to more than 253 million transactions. BRI Network & Retail Funding Director Aquarius Rudianto stated that strengthening the merchant and QRIS ecosystem not only expands the transaction ecosystem and reinforces low-cost funding accumulation but also opens greater opportunities for business players to grow. He said this capability aligns with BRI’s commitment as part of Danantara to create value through financial services that are more efficient, integrated, and oriented towards public needs. “As digital transactions increase, BRI continues to provide safe, easy, and reliable payment solutions for the public. To date, 98.9% of BRI transactions have been conducted through e-channels. At the same time, we continue to strengthen digital financial literacy, particularly in the use of QRIS, so that non-cash payment adoption becomes more widespread and can support the community’s economic activities,” said Aquarius. Through integrated payment system support and the accelerated steps of BRIvolution Reignite, BRI is strengthening its funding franchise by optimising digital channels to build a more solid transaction-based low-cost funding base. This effort is carried out through increased customer acquisition and transaction management, strengthened partnerships with merchants, and the development of payment ecosystems across various business segments. As additional information, the strengthening of digital transactions and funding has also supported BRI’s overall financial performance up to the first quarter of 2026. BRI’s total assets were recorded at Rp2,250 trillion, growing 7.2% yoy. On the funding side, BRI’s total third-party funds (DPK) also recorded encouraging growth, supported by increasingly solid consolidated current account saving account (CASA) growth. As of March 2026, BRI had accumulated third-party funds of Rp1,555.1 trillion, growing 9.4% year-on-year (yoy). Of this amount, consolidated CASA increasingly dominated, reaching Rp1,058.6 trillion or equivalent to 68.07% of total DPK, an increase from 65.77% in the same period the previous year.