(08/10/2024) - PT Bank Negara Indonesia (Persero) Tbk or BNI continues to strengthen digital transformation to maintain competitiveness in the national banking industry. Through the application of artificial intelligence (AI) technology and cloud-based services, BNI seeks to improve operational efficiency and provide more innovative and adaptive services to customers.
BNI Technology and Operations Director Toto Prasetio said, AI and cloud are key elements in digital transformation efforts that cover various business segments, from Micro, Small and Medium Enterprises (MSMEs) to large corporations. This technology is believed to be able to accelerate digital adaptation in all sectors, which in turn boosts competitiveness.
“AI technology in the banking industry is no longer new. Several activities such as conversational banking, hyper personalization to AI Based Fraud Detection have begun to be implemented in several banks in Indonesia, including BNI,” said Toto in a discussion at the BNI Investor Daily Summit 2024 at the Jakarta Convention Center on Tuesday (8/10/2024).
Toto claims that time savings and increased productivity in all corporate activities are made possible by cloud-based services. On the other hand, AI helps employees focus on tasks that require creativity and problem-solving, thereby increasing productivity.
A report from Amazon Web Services (AWS) revealed that the adoption of cloud and AI by MSMEs in Indonesia has the potential to generate economic value of IDR 79.6 trillion annually by 2030. Currently, only about 29% of MSMEs are utilizing cloud technology, indicating a huge potential for growth.
For this reason, Toto encourages collaboration between the government and stakeholders to accelerate the digital transformation of MSMEs through technologies such as cloud, AI, and machine learning.
Associate Market Analyst from IDC Indonesia projects that cloud in Indonesia will reach US$1.3 billion by 2025, along with the massive adoption of digital technology in various sectors. This opens up great opportunities for banks, including BNI, to continue to innovate in digital services.
As a concrete step, BNI has launched the Digital Contact Center Application which uses AI technology integrated with machine learning and Natural Language Processing (NLP). This application allows customers to interact more easily and quickly with BNI contact centers, making it the first in Indonesia.
In addition, BNI also released the latest banking application wondr by BNI in July 2024, which offers financial services in three dimensions-Insight, Transaction, and Growth-that describe customer's financial journey from the past, present, to the future.
Another recent innovation is the New Integrated Digital Platform, which was specifically developed to meet the needs of business customers.
In line with this, as a state-owned bank mandated as a global bank, BNI has also carried out a gradual digital transformation through adjusting the digital-based BNI outlet format tailored to the location and characteristics of the outlet.
BNI's commitment to reaching customers in remote areas is also realized through BNI Agen46, which is present in the Frontier, Disadvantaged and Outermost (3T) areas, ensuring equal access to banking services throughout Indonesia.
Toto also added that BNI's transformation does not only focus on technology, but also on sustainable corporate governance. Through the principles of Good Corporate Governance (GCG), BNI strives to realize solid and sustainable business growth in the future.
“With the digital transformation that continues to be carried out, BNI is optimistic that it can improve the quality of service for customers and strengthen its position as one of the leading banks in Indonesia,” Toto concluded. (*)