01/01/2024. PT Bank Negara Indonesia (Persero) Tbk or BNI believes that by 2024, the performance of digital economic and financial transactions in Indonesia will continue to strengthen and grow positively.
Corina Leyla Karnalies, BNI Director of Digital Integrated Transaction Banking, explained that this is backed up by a payment technology system that is becoming more secure, smooth, and trustworthy.
"With the good achievement of digital transactions in 2023, we believe that growth will continue in 2024 with the development of technology systems that are able to provide security and convenience for customers," she said.
Furthermore, Corina highlighted that three major elements will drive the country's digital transaction development in 2024. The first is a demographic bonus. Indonesia's population is currently dominated by productive age groups, which account for 69% of the total population.
The productive-age population, which comprises the younger or millennial generation, is digitally minded, digitally savvy, or close friends with technology. This generation has the potential to produce digital talent as well as customers who use a wide range of technical devices. Corina believes that this will ultimately boost economic growth and digital finance.
"This demographic bonus is the main capital. Digital economic transactions will grow very large," she said.
The second factor driving the growth of digital transactions is the increasingly mature technology infrastructure. This can be seen from the number of smartphone users reaching 190 million users in Indonesia. The rapid development of this technology has then changed the behavior and patterns of customer transactions to become all-digital.
Finally, Corina believes that the rapid growth of digital transactions in Indonesia is also inseparable from the neat collaboration between the government, regulators and banks. According to her, this collaboration has succeeded in creating a conducive digital economy ecosystem in the community. Not only that, technological infrastructure is also evenly distributed across all regions in Indonesia.
"The collaboration between the government, regulators, and us as banks is very, very good, this supports the world of digitalization," she concluded.