Jakarta. State-owned bank BNI is ramping up its focus on developing its mobile banking app in a bid to become the “top-of-mind transactional bank”.

BNI is introducing new features, namely DigiBond and FX Mobile, to make it easier for its customers to make transactions and invest. BNI deputy president director Adi Sulistyowati, also known as Susi, said that the company was developing transaction solutions and a payment ecosystem to meet the various needs of the customers.

“The year 2023 overall will be marred with challenges. But we are optimistic in improving our performance, particularly in making BNI the top-of-mind transactional bank in a sustainable manner,” Susi said.

According to Susi, the bank is actively expanding its partnership via an open application programming interface (API) and state-of-the-art digital banking services such as digital lifestyle, digital credit application, and digital international banking services. All this is to expand the business ecosystem and boost customer experience. This will enable customers to have more comprehensive and integrated services.

“BNI has prepared open banking in response to the disruptions in the digital reformation era, particularly in the banking sector,” Susi said.

Susi added that the growing open API would drive the fee-based income. The bank is also focusing on achieving an improved current account saving account (CASA) and a sustained fee-based income. It will also simultaneously expand its business, particularly to its top-tier customers, starting with the corporate and its derivative businesses within prospective industry sectors, as well as the consumer segment, by still upholding prudential banking principles.

BNI reported that fee-based income had grown 8.7 percent year-on-year throughout 2022. As more users adopt BNI Mobile Banking, bill payment revenue also grew 18 percent y-o-y.

Read More: BNI Embraces Transformation to Boost Performance

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