Digital Transactions Surge at Indonesia's State Banks: BTN Up 46%, BNI's wondr Users Up 58%
Third-quarter disclosures show state banks' digital channels becoming real growth engines, with Bank Indonesia counting 48.98 billion national digital payment transactions in nine months.
Indonesia's state-owned banks reported steep digital channel growth for the September 2026 quarter. BTN's Bale by BTN app reached 5.02 million users, up 51 percent year on year, with 2.23 billion transactions worth Rp103.53 trillion, up 46 percent and 44 percent respectively; the bank's digital ecosystem savings grew 30 percent and fee income 42 percent. BNI's wondr app reached 16.6 million users, up 58 percent, with transaction value of Rp1,774 trillion, up 25 percent, while BNIdirect processed Rp9,324 trillion, up 16 percent.
Bank Mandiri's Livin' app handled Rp3,863 trillion, up 20 percent, with non-interest income up 13.8 percent. The figures were disclosed on October 30 and cited by Kontan. The growth mirrors the national picture: Bank Indonesia recorded 48.98 billion digital payment transactions in the first nine months of 2026, up 38.28 percent year on year.