BSI completes IT transformation to serve 40 million customers by 2030
Jakarta (ANTARA) - PT Bank Syariah Indonesia (Persero) Tbk (BSI) has completed its information technology (IT) transformation to strengthen system capacity and digital service quality, aiming to reach a target of 40 million customers by 2030.
“This transformation is necessary because the company must grow. The reason IT must be upgraded is our desire to provide services comparable to other major banks, which is also what customers expect,” said BSI President Director Anggoro Eko Cahyo during the “Ngopi Bareng Media” event at the BSI Head Office, Jakarta, on Wednesday.
The company aims to increase its customer base to 40 million by 2030, up from approximately 24 million currently. Additionally, the company is targeting assets of Rp1,000 trillion and aims to increase its return on equity (ROE) to above 25 per cent by 2030.
By that year, he continued, BSI also aspires to rank among the five largest Islamic banks in the world.
Anggoro explained that over the past year, BSI has recorded significant growth from its dual licence as both a Sharia bank and a gold bank. The number of customers increased to over 24 million as of April 2026, following the gold bank licence in February 2025 and the transition to a state-owned enterprise (Persero) status in early 2026.
The company believes that system capacity needs to be expanded to anticipate future growth. Therefore, BSI completed its core banking migration from the R10 system to R24 in mid-May 2026.
This modernisation is projected to serve as the foundation for business expansion through 2030, while creating greater room for digital service innovation, particularly for BYOND by BSI for retail customers and BEWIZE by BSI for institutional (wholesale) customers.
The core banking migration process involved approximately 1,500 cross-functional personnel. The entire process was carried out in stages through various rehearsals, under the supervision of the Financial Services Authority (OJK) and Danantara, to ensure implementation was safe, controlled, and transparent.
Post-migration, the availability of all BSI channels has reached 99.99 per cent, ensuring smoother transactions through both digital channels and physical branches.
Furthermore, the transformation has increased operational efficiency by approximately 80 per cent, accelerated the close of business (COB) process, and expanded system capacity to support digital business expansion and product innovation.
“The room for customer growth and innovation for new features in BYOND is vast, as the utilised capacity is still below 10 per cent. Customers will experience the benefits of BSI’s new IT strength and speed,” said Anggoro.
As of May 2026, BSI recorded an unaudited net profit of Rp3.39 trillion, representing a year-on-year growth of 16.73 per cent. Total assets reached Rp444 trillion, third-party funds (DPK) stood at Rp372 trillion, and financing reached Rp335 trillion with maintained quality.
During the same period, BSI’s mobile banking services were used by over 10 million users, with transaction values exceeding Rp450 trillion. Meanwhile, BEWIZE continues to record growth in users and transactions as a driver for the wholesale business.