The Bali app, operated by Bank Tabungan Negara (BTN) in Indonesia, has shown a remarkable increase in transaction value, rising by 26.25% year-on-year to exceed 101 trillion rupiah in 2025, compared to 80 trillion rupiah in the previous year. This increase reflects the bank's success in enhancing digital transformation and meeting customer needs.
In statements made, the bank's CEO, Nexion L. P. Nabito Bulu, confirmed that the Bali app has undergone significant development over the past year, becoming a key driver of the bank's digital transformation. He explained that the app aims to strengthen the relationship between the bank and its customers by facilitating daily transactions, not just in finance.
Event Details
Nabito Bulu noted that the number of Bali app users has doubled, rising from around 1.8 million users in 2024 to over 3.6 million users last year, representing a growth of 102% year-on-year. The number of transactions conducted through the app also increased, reaching over 2.2 billion transactions in 2025, a rise of 79% compared to the previous year.
Furthermore, Nabito Bulu pointed out that the app has significantly contributed to raising funds at lower costs, with customer deposits increasing from approximately 17 trillion rupiah in 2024 to 21.63 trillion rupiah in 2025.
Background & Context
Bank Tabungan Negara (BTN) was established in 1897 and is one of the government banks in Indonesia. The bank has undergone significant transformations in recent years as it seeks to keep pace with technological developments and the increasing needs of customers. The Bali app is part of the bank's strategy for digital transformation, aiming to provide integrated banking services that meet community needs.
These developments come at a time when the Indonesian banking sector is experiencing a significant shift towards digitization, with increasing competition among banks to offer innovative and user-friendly services. BTN aims to strengthen its market position by developing the Bali app and expanding its range of services.
Impact & Consequences
This increase in transactions through the Bali app is an indicator of the bank's successful digital transformation strategy, reflecting its ability to adapt to rapid market changes. This success may encourage more banks in Indonesia to invest in digital technology and enhance their services.
Moreover, the rise in user numbers and transactions indicates that customers prefer digital solutions, emphasizing the importance of innovation in the banking sector. These trends are expected to lead to improved operational efficiency for the bank and increased revenues.
Regional Significance
The experience of Bank Tabungan Negara in digital transformation serves as a model that can benefit Arab banks. Banks in the region face similar challenges, such as the need to improve customer experience and offer innovative services. Arab banks can draw inspiration from the success of Bali in enhancing customer relationships through digital applications.
In conclusion, the success of the Bali app from Bank Tabungan Negara demonstrates how technology can enhance banks' ability to meet customer needs, opening new avenues for growth and development in the banking sector.