BTN and MKP Develop New Standards for Bali's Digital Tourism Ecosystem
PT Bank Tabungan Negara (Persero) Tbk, or BTN, continues to expand its ecosystem-based services. The latest development is a strategic partnership with PT Mitra Kasih Perkasa (MKP) to promote the digitalisation of Bali’s tourism sector. This involves developing an integrated ticketing system as well as digital financial services at tourist destinations and ports in Bali.
BTN President Director Nixon LP Napitupulu stated that this collaboration is part of BTN’s strategy to broaden its ecosystem-based services, particularly in the tourism sector, which has high transaction potential and involves many local businesses. BTN is not only present as a banking service provider but also as part of the entire tourist journey.
According to Nixon, strengthening the digital tourism ecosystem will also be integrated with Bale by BTN, the company’s super app. Through Bale by BTN, tourists will be able to access various services on a single platform, from booking tourist tickets and transportation, digital payments, to various transaction needs while at the tourist destination.
“We are pushing Bale by BTN to become a platform that not only serves banking needs but also supports the lifestyle and transaction ecosystem of the community, including the tourism sector,” Nixon explained at the signing of the MoU for digital tourism financial services at Menara 2 BTN, Jakarta, on Monday, 11 May 2026.
In the collaboration, MKP serves as the provider of the integrated ticketing system. Meanwhile, BTN acts as the exclusive banking partner supporting both cash and non-cash transactions. All settlement processes are also placed in BTN accounts to strengthen a more integrated and efficient financial ecosystem.
BTN will also introduce various banking service channels in tourist areas and ports, including BTN ATMs and CRMs, payment services via BTN EDC and QRIS for merchants and SMEs, as well as various other digital transaction services.
In addition, BTN gains the role of exclusive branding partner with brand exposure at various tourist interaction points, from port areas, ticketing gates, boarding passes, tourist area signage, passenger waiting areas, to other supporting facilities.
“This partnership is a strategic step for BTN in expanding the presence of financial services in a sector with high activity and transaction potential. BTN is not only present as a banking service provider but also becomes part of the entire customer journey of tourists through the integration of payments, ticketing, and merchant services in destination areas,” said Nixon.
The initiative opens opportunities for transaction growth, fund mobilisation, and strengthening the customer base in the tourism ecosystem. On the other hand, support from BTN’s digital capabilities and service network is expected to improve the quality of services and operational efficiency in tourist areas. “We are optimistic that this collaboration can create mutually beneficial and sustainable business value for both parties,” he stated.
He added that Bali’s tourism sector has great potential to be developed through integrated digital financial and transaction services. Moreover, in 2025, the number of domestic and international tourist visits to Bali reached around 16.3 million people, with a tourism foreign exchange contribution of Rp176 trillion.
Nixon stated that PT MKP has a very strategic positioning in Bali’s port and tourist destination ecosystem. These include Sanur Sunrise Port with around 1.25 million visitors per year, as well as Penglipuran Tourist Village with around 724,000 visitors per year.
“Then there is Sampalan Port in Nusa Penida with around 465,000 visitors, Serangan Port in Denpasar with around 284,000 visitors, and Bias Munjul Port in Nusa Ceningan with around 9,000 visitors per year,” he mentioned.
Before this Bali tourism ecosystem development collaboration takes effect, BTN and MKP have previously collaborated on several digitalisation projects, starting from the tourist ticket booking feature in Bale by BTN, digitalisation of ticketing in the Ancol tourist area, to digitalisation of payment systems and core systems for INKOPPAS.
The total traffic in MKP’s ecosystem currently reaches more than 4 million visitors per year. The potential transaction volume is estimated at around Rp280 billion per year. This collaboration serves as an example of how digital banking, lifestyle ecosystem, and tourism ecosystem can be integrated end-to-end. “We hope this collaboration provides significant benefits for both institutions while supporting a more modern, integrated, and digital national tourism.”
MKP CEO & Co-Founder Nicholas Anggada said that the collaboration with BTN is a strategic step in strengthening services while integrating financial services with the increasingly digitalised national tourism ecosystem.
Through its travel technology business unit, MKP affirms its position as a front-end banking solutions partner that connects the ticketing, payment, settlement, and transaction data management ecosystem in one integrated digital infrastructure.
“Tourism today is no longer just about destinations, but how the entire customer journey can be connected seamlessly from booking, payment, boarding, to transactions in the destination area. Together with BTN, MKP is building a connected tourism ecosystem that integrates tourism services with digital financial systems end-to-end,” said Nicholas.
He added that BTN’s trust in MKP serves as important validation of the company’s capabilities in building digital infrastructure in the national transportation and tourism sector.
Through its travel technology business unit, MKP is currently entrusted, along with BTN, to support the transaction management of boat operators and tourist services at several strategic ports in Bali and Nusa Penida, including Sanur Sunrise Port.