Collaboration With Bank Of North Sumatra, BNI Promotes Orange Synergy

JAKARTA - PT Bank Negara Indonesia (Persero) Tbk or BNI and PT Bank Pembangunan Daerah Sumatera Utara or Bank Sumut collaborated by carrying out the Orange Synergy program.

This collaboration includes the use of products, services, channels and capabilities between BNI and Bank Sumut.

The initial step for this collaboration was initiated by the signing of a Memorandum of Understanding between BNI Deputy President Director Adi Sulistyowati and Bank Sumut President Director Rahmat Fadillah Pohan at BNI Pejompongan Tower, Jakarta, Wednesday, August 10 evening.

The agreements that have been reached are First, the MoU on the Joint Utilization of Products, Services, Channels, and Capabilities. Second, the Co-Branding Cooperation Agreement (PKS), Top Up, and Tapcash Balance Update. Third, PKS Bank Sumut Employee Capability Improvement Program. Fourth, PKS for the Provision and Utilization of Banking Services (ATM, QRIS, EDC, Biller).

Through the Orange Synergy collaboration project, Bank Sumut and BNI are committed to building strategic collaborations as outlined in various banking service development initiatives that benefit both parties and provide benefits to stakeholders.

With this collaboration, Bank Sumut can expand the diversification of banking products and services.

Likewise with BNI, which can expand services related to payment of regional taxes and levies in North Sumatra through ATM Channels, Mobile Banking, Agencies, and BNI Outlets.

It is hoped that this collaboration will make a positive contribution to business growth for both BNI and Bank Sumut.

Adi Sulistyowati, who is familiarly called Susi, said that the company will open opportunities for collaboration and service integration so that it can be utilized in providing complete banking solutions to Bank Sumut customers.

"Of course we welcome this collaboration. This is in line with the spirit of BNI Go Productive where BNI wants to play a proactive role in accelerating the national economic recovery through various synergies. We also hope that Bank Sumut can provide maximum service to customers," he said.

Meanwhile, potential synergies that can be created in the future are channel collaborations including the use of BNI ATM channels including those located abroad, joint use of acquiring channels such as the utilization of the BNI Supply Chain Financing (FSCM) platform, as well as Agency Business cooperation.

Cooperation can also be developed on local government credit card products for the Regional Government, to Corporate Cards for internal Bank of North Sumatra, co-branding of BNI Visa/Master credit cards for personal and corporate customers of Bank Sumut, sales of investment products, insurance, car ownership programs, and the management of pension/severance pay for Bank Sumut employees.

There are also opportunities for service collaboration in terms of API-based billers, utilization of BNI remittance services and Trade Finance by Bank Sumut customers, completeness of payment services for North Sumatra receipts, cooperation in providing solutions for local governments, as well as cooperation in utilizing BNI capabilities and products including KUR and BNI Xpora.

Finally, there are also opportunities for collaboration in terms of improving the capability of training cooperation and curriculum development to increase capabilities related to sales, treasury and international banking, to information technology, as well as operational cooperation related to reconciliation, and Call Centers. As well as assistance in developing HR and HRIS system governance.

"There are many opportunities for cooperation between BNI and Bank Sumut. We will also expand cooperation opportunities like this with several other regional banks," he said.

Susi also added that BNI has optimal capabilities in developing smart cities, which are based on digital services. This collaboration can assist in local government governance so that it will provide optimal public services in this digital era.

One of the smart cities developed by BNI is building a Smart Government, which enables integrated financial management support, so that local tax revenues can be maximized.

In addition, Smart City BNI also develops other services, ranging from Smart Health Care, Smart Farming, Smart Education, Smart Ecosystem MSMEs, to Smart Tourism.

"In this way we can improve the welfare of the community and regional economic growth. Everything is measurable and easy, starting from receiving tax services, paying for water, STNK, to BPKB," said Susi.

On the occasion, Rahmat said, BNI is a state-owned bank that ranks as the 4th largest national asset. BNI is supported by an ATM network, digital channels (internet and mobile banking), branch offices at home and abroad.

As one of the pioneers of digital banking, BNI has digital service capabilities supported by the availability of various complete API-based products.

Rahmat conveyed, along with the development of quite massive digitalization in various industries including financial services, as the largest Regional Bank in Sumatra and outside Java, Bank Sumut has launched digital transformation which has become the focus of Bank Sumut's strategy since 2020, to be able to compete in providing various features. banking services and expand coverage in various service channels.

To accelerate the development of digitalization at Bank Sumut, appropriate steps are needed to collaborate with other industry players, such as fintech, e-commerce, and also fellow banks.

"We certainly appreciate BNI for opening up opportunities for cooperation with us. Of course, this will be a new value pre-position for us and will benefit more of our customers," he said.

Rahmat said that this collaboration will strengthen digital capabilities, add new services and products, and strengthen Bank Sumut's business development. Of course, there is also the potential for increased income, as well as investment opportunities at a more affordable cost.

For Bank Sumut customers, this collaboration will provide a variety of new service options, better services, more competitive fees, and wider and easier transaction channels.