Until the first half of 2022, BNI’s corporate digital services, namely BNIDirect, recorded an increase in users of 17.5 percent year-on-year (yoy) to 79,800 users, followed by a 35.4 percent increase in transactions reaching Rp 2,587 trillion (US$175.4 million). The number of transactions also increased by 25.8 percent yoy or Rp 462 million.

BNI vice president director Adi “Susi” Sulistyowati said that the company would continue its role as a constant innovator for its customers’ convenience. BNIDirect is the company’s trusted channel for customers to conduct safe transactions anywhere and anytime.

She added that BNI actively pursued acquisitions and encouraged customers to make their transactions through BNIDirect, whether they are corporate, commercial or small business customers.

Furthermore, BNI supports start-up businesses, such as businesses with an overseas reach or a business group abroad, and foreign businesses with a business partner in Indonesia, to represent the Indonesian government, as well as the diaspora community.

“This is, of course, a result of our consistent effort to innovate our business and services in line with our customers’ needs. It is also part of our vision to become a financial institution with an excellent service and performance as the State-Owned Enterprises [SOEs] Ministry has mandated,” said Susi.

Susi further explained BNIDirect’s features, including collection management to help customers, such as the use of automatic debit, a virtual account, cash collection and auto-collection.

Payment management services can help users easily carry out transactions for all types of billings. They include payroll, non-tax state revenue (PNBP), customs, the Health Care and Social Security Agency (BPJS), electricity, insurance and other public utilities. BNI’s payment management services also include online transfers between banks, clearings, real-time gross settlements (RTGS), international transfers and foreign exchange.

BNI’s digital solution also has a liquidity management feature that allows users to manage their companies’ finances and cash flow using the Cash Pooling Feature, the Range Balance, Cash Distribution and more.

To support their customers’ businesses, BNIDirect’s trade features can accelerate the processing of documents related to trade, such as letters of credit for imports and exports.

The online capabilities also help BNIDirect users to quickly open an account without visiting a branch office.

Furthermore, the company embeds an information management feature that provides information on balances, transfers, bank statements, exchange rates, interest rates and other reports that can be downloaded from and sent through email.

“All BNIDirect transaction authorizations are secured with a Dynamic PIN from a mobile token. BNIDirect’s role as Corporate Digital Services has so far been significant in assisting corporate customers, both in facilitating transactions and supporting efficient transaction activities for BNIDirect continues to receive a positive response,” Susi concluded.

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