BTN Prepares Capex IDR 1 Trillion In 2025 To Present Super Apps And Digital Store

JAKARTA - President Director of PT Bank Tabungan Negara (Persero) Tbk (BTN) Nixon LP Napitupulu stated that his party provided a larger capital expenditure (capex) this year to Rp1 trillion to support Bale by BTN and the implementation of the BTN Digital Store.

"We are also providing a bigger capex this year to support Bale and implement the digital store. So, we will replace the branch delivery system, we will also change the US/400 backbone (to power 10 of power 9). So, this will make it more powerful, bigger and more reliable performances, then also accurately felt by our customers," Nixon said at a press conference for the launch of Bale by BTN, quoted by Antara, in Jakarta, Monday, February 10. .

With the super application technology capacity of Bale by BTN, billions of transactions are said to be accommodated in an accurate number of seconds.

It also improves digitization in digital stores of various BTN branches, such as the speed of account creation under three minutes from the previous 45 minutes, to the continuous upgrade of the Bale super app.

Implementation of several artificial intelligence (AI) has also been implemented, including in credit.

He said that there was an AI used called a decision engine that could decide on granting credit of up to IDR 750 million.

"We have tested the results, the quality is also better, because the computer is more resistant. If people have moody, there are stages, there are happy, there are cheerful, there are sad. If this is a computer, don't have emotions. He is stable, he follows the existing parameters, he looks at the facts of the existing data, and then they make decision no or yes. So, there is no feeling of pity, no joy, nothing like that. This is computer, so the engine makes the decision," he said.

"As a result, the decision is faster now, so what we need to do is how the data that can enter the engine decision is much neater so it doesn't be rejected. This is the challenge, there (the data) is more clean, better, so that he can read and then make a decision. So far, the quality of the decision is much better, what we feel," he said.

BTN's SEVP Digital Business Thomas Wahyudi added that Bale was equipped with security standards, then cyber threat intelligence and security operation centers that oversee 24-hour transactions every day to find out if there were anomalies and so on.

His party is also said to have recruited experts in the field of data security from the internal BTN itself as well as institutions or individuals outside the company.

"So it is associated with CAPex or IT (information technology) investment, we can allocate this security for approximately 30 percent every year. So, if (the overall cost) is Rp. 1 trillion, we focus on Rp. 250-Rp. 300 billion, prioritize, for security. Later, not only software (and) hardware related to security, but we will also strengthen the process (the whole system," said Thomas.