New Policy: Transaksi Digital BTN Capai 191 Juta Transaksi pada Juni 2026, Setara 60% dari Target

New Policy: BTN’s Digital Transactions Surpass 60% Target in June 2026

New Policy – Under the new policy, PT Bank Tabungan Negara Tbk (BTN) has achieved a significant milestone in its digital transformation efforts. As of June 2026, the bank recorded 191 million digital transactions, which represents 63% of its annual target of 300 million. This progress underscores BTN’s commitment to modernizing its financial services and aligning with the growing demand for digital solutions in Indonesia. The new policy has been instrumental in driving this growth, as it has enabled BTN to integrate advanced technologies and expand its digital ecosystem to cater to a wider customer base.

Revolutionizing Financial Services with Balé by BTN

The new policy has catalyzed the adoption of BTN’s mobile application, Balé by BTN, which has become a central hub for digital financial activities. In the first half of 2026, the app reported 63.1 million transactions, marking an 88% increase compared to the same period in 2025. This surge is attributed to the app’s multifunctional features, including seamless payment processing, instant money transfers, QRIS integration, and lifestyle services such as online shopping and bill payments. Thomas Wahyudi, Senior Executive Vice President (SEVP) of Digital Business at BTN, emphasized that the new policy has transformed Balé by BTN into a super app, enhancing user engagement and solidifying BTN’s position in the digital finance landscape.

“The new policy has redefined our approach to digital engagement, allowing Balé by BTN to serve as a one-stop platform for diverse financial needs. This not only strengthens customer loyalty but also positions BTN as a leader in the digital transformation of the banking sector,” said Thomas Wahyudi in an interview with Kontan on July 2, 2026.

Expanding Digital Reach Through Strategic Initiatives

BTN’s digital ecosystem is supported by a range of strategic initiatives outlined in the new policy. These include the promotion of BI-FAST and QRIS-based transactions, which have become pivotal in facilitating faster and more secure payments. Additionally, the bank has prioritized the integration of services like token listrik purchases and PDAM bill payments, reflecting its effort to address the everyday financial needs of its users. The new policy also emphasizes the importance of cross-platform interoperability, enabling seamless transactions between BTN accounts and those of other financial institutions.

Furthermore, the policy has encouraged the expansion of partnerships with various service providers. By collaborating with e-commerce platforms, utility companies, and digital wallet providers, BTN aims to create a more interconnected financial ecosystem. These partnerships not only enhance the availability of services but also foster trust among users, ensuring a smooth and secure digital experience. As part of the new policy, BTN has also invested in user education, offering tutorials and customer support to help users navigate the digital tools effectively.

Internal Optimizations to Meet Annual Goals

BTN’s strategy to meet its annual transaction target is underpinned by both external and internal factors. The new policy has prompted the bank to optimize its internal operations, focusing on increasing the number of active users on Balé by BTN and improving the app’s functionality. By introducing new features such as Tabungan Emas (Gold Savings) and paylater services, BTN aims to diversify its offerings and attract a broader demographic. These enhancements are aligned with the new policy’s vision to provide innovative and user-centric financial solutions.

Internally, BTN has allocated resources to strengthen its digital infrastructure, ensuring scalability and reliability as transaction volumes grow. The policy also mandates regular performance evaluations to identify areas for improvement and adjust strategies accordingly. Thomas Wahyudi highlighted that the new policy has enabled the bank to streamline its digital services, making them more accessible and efficient for customers. This internal focus, combined with external collaborations, is expected to drive BTN’s digital transactions beyond the current 63% threshold by the end of the year.

Future Innovations to Accelerate Growth

As part of the new policy, BTN is set to launch several innovations that will further enhance its digital capabilities. These include the integration of QRIS Tap and QRIS Transfer, which will allow users to conduct transactions more quickly and effortlessly. Additionally, the bank is exploring the potential of digital investment products such as reksadana and Surat Berharga Negara (SBN), aiming to diversify its services and cater to the evolving financial needs of its customers.

Thomas Wahyudi explained that the new policy encourages continuous innovation to stay ahead in the competitive digital finance market. By expanding the app’s features and partnerships, BTN is not only improving user experience but also fostering long-term economic growth. The policy also includes a roadmap for future developments, ensuring that the bank remains agile in adapting to technological advancements and consumer preferences. These initiatives are expected to contribute significantly to BTN’s annual transaction target and reinforce its commitment to digital excellence.