Strengthening Digital Transformation, Waskita Implements Integrated H2H Payments

PT Waskita Karya (Persero) Tbk has launched an integrated Host to Host (H2H) payment system. The company is utilising the Application Programming Interface (API) services of PT Bank Negara Indonesia (Persero) Tbk, or BNI, which adheres to the National Open API Standard (SNAP).

As a result, Waskita has become the first construction company to obtain SNAP certification. This step is part of an effort to strengthen digital transformation to facilitate payment processes.

Through H2H, payments can be performed automatically, allowing the company’s internal system as a host to connect directly with the banking or financial institution’s system as another host in real time. The objective is to ensure that financial processes become integrated, efficient, transparent, and accountable.

Waskita Karya’s Finance Director, Wiwi Suprihatno, stated that the implementation of H2H is a tangible manifestation of the company’s digital transformation. This method strengthens the payment centralisation process within Waskita.

“This is in line with Waskita’s transformation, which refers to eight streams. One of these is business transformation aimed at strengthening fund governance to achieve Good Corporate Governance (GCG),” Wiwi said in an official statement on Tuesday (1/9/2026).

Thanks to the H2H innovation with the SNAP-standardised API, payment requests by project teams no longer require physical billing documents, as everything is conducted digitally through the SAP application. Project teams can monitor the progress of these requests directly, anytime and anywhere.

Similarly, Waskita’s business partners can receive real-time information regarding invoice payments. “The implementation of H2H has a positive impact on cash flow management and aligns with the Company’s priorities and strategies. Moving forward, Waskita Karya will undertake comprehensive digitalisation of the company’s operational systems,” said Wiwi.

She also expressed her gratitude to BNI for supporting the strengthening of Waskita’s digital ecosystem. She believes this synergy will provide many benefits to both parties. “The use of BNI’s API services is a form of SOE (State-Owned Enterprise) collaboration aimed at facilitating the public while driving the national payment system. It is hoped that the established cooperation can continue and realise sustainable digitalisation,” said Wiwi.