Shiro Copr.CO.ID – JAKARTA. Increasing number of long holidays or long weekend Continuing throughout the first half of 2025, it has driven the growth of digital banking transactions in Indonesia.
Bank Indonesia (BI) recorded the performance of digital economic and financial transactions in the second quarter of 2025 still showing a positive trend, along with the support of a more secure and reliable payment system.
BI reported that the volume of digital payments grew by 30.51% year-on-year (YoY), reaching 11.67 billion transactions. This surge was driven by increased usage of various channels, such as mobile applications and internet banking which grew by 32.16% and 6.95% respectively (YoY).
Transaction volume through QRIS also experienced significant growth of 148.50% YoY, along with the increasing number of users and merchants.
From the infrastructure side, retail transactions processed through BI-FAST grew by 42.87% YoY, with a total volume of 1.12 billion transactions and a value of Rp 2,788.31 trillion throughout the second quarter of 2025.
BNI Relies on Wondr and QRIS
PT Bank Negara Indonesia Tbk ( BBNI ) or BNI also recorded digital transaction growth of more than 43% YoY as of June 2025.
According to Mesah Roni Ginting, Head of Division Retail Digital Product and Partnership BNI, this growth is driven by the superapp service Wondr by BNI and an increase in QRIS usage that grew by 191% YoY.
"Momentum Lebaran and long holidays have significantly contributed to the increase in digital transactions," said Roni, Friday (7/18).
BNI also strengthens digital services through the development of features in the Wondr app and BNI Direct platform, as well as expanding strategic cooperation with top-tier merchants, both offline and e-commerce.
BNI also adopts a data-based approach to deliver personalized solutions, including the Rejeki Wondr BNI 2025 loyalty program.
Livin' by Mandiri Tumbuh Stabil
PT Bank Mandiri Tbk ( BMRI ) recorded digital transaction growth through the Livin’ by Mandiri app by 26% YoY in volume and 12% YoY in transaction value up to May 2025.
According to Yanto Masyap, SVP Digital Retail Banking of Bank Mandiri, the QRIS payment feature has become the main driver of growth, even increasing up to 2.5 times compared to the previous year.
"Features such as transfers, bill payments, top-ups, and flexible funding sources also promote transactions," said Yanto.
Bank Mandiri also strengthens Livin' position by introducing promotions together with strategic partners and developing features based on security and user comfort.
BTN Digital Transaction Growth Exceeds 130%
PT Bank Tabungan Negara Tbk ( BBTN ) or BTN did not miss recording a digital transaction surge of more than 130% YoY until the end of the second quarter of 2025. The transaction value reached more than Rp 78 trillion.
According to Thomas Wahyudi, SEVP Digital Business BTN, growth is driven by the expansion of BTN's digital services, strengthening of infrastructure, as well as campaign programs such as BTN JAKIM that successfully boosted the acquisition of new users.
QRIS and e-wallet top-up became the biggest contributors to growth, besides inter-bank transactions through BI-FAST which is increasingly popular due to cost efficiency.
"This increase is not only due to seasonal factors, but also because of changes in customer behavior, who are now more comfortable transacting digitally," said Thomas.
BTN aims to achieve a digital transaction value growth of 35%-40% YoY by the end of 2025, with strategies including feature development, 24/7 operational services, and continuous promotions.
"Strategi ini kami rancang not only to drive transaction volume, but also to strengthen customer loyalty towards BTN's digital services as a whole," he emphasized.
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