Anticipating Nataru Holidays, Bank Muamalat Optimizes Digital Channels

Illustration (Photo: Doc. ANTARA)

JAKARTA PT Bank Muamalat Indonesia Tbk has optimized digital channels to anticipate an increase in transactions during the 2025 New Year holiday period.

Director of Bank Muamalat Karno said a surge in transactions during the holiday period would be more common in digital transactions. Moreover, currently more than 92 percent of Bank Muamalat customer transactions have switched to digital channels.

According to him, the factors of ease, speed, and security are the main reasons behind the shift in the trend.

"Now make payments, purchases or transfers can go directly using the Muamalat DIN mobile Banking. So, customer needs for branch offices have begun to decrease. This transition is also reflected in the growth of digital transactions at Bank Muamalat which reaches around 21 percent year on year (yoy) as of the end of November 2024," said Karno, Monday, December 23.

Even so, Karno ensured that Bank Muamalat still provided cash availability.

During this holiday period, Bank Muamalat has prepared around Rp630 billion in cash.

The allocation is IDR 400 billion for branch offices and the remaining IDR 230 billion for ATM machine needs.

Currently, Bank Muamalat has 564 ATMs spread across various regions of the country. Bank Muamalat has also been connected to more than 81,000 Joint ATM networks, 69,000 Prima networks, and 14,500 CRM machines.

Karno explained, during the period of collective leave and holidays on December 25-26, 2024 and January 1, 2025, all branch offices of Bank Muamalat in Indonesia were not operating.

Meanwhile, 1 Bank Muamalat branch office in Kuala Lumpur, Malaysia will continue to operate on December 26, 2024.

The Sala Muamalat customer service continues to operate 24 hours per day through the number 1500016 or for customers who are abroad through the number [phone].

Customers can also access the Digital Customer Care feature which is a service to make direct complaints through Muamalat DIN if there are transactional and non-transactional obstacles.

Dalam proses pengaduan ini, nasabah akan mendapatkan informasi penanganan secara langsung. Nasabah cukup mengakses button 'Pengaduan Transaksi' di Mualamatnya DIN untuk menyampaikan pengaduan.

"We will alert the operational team to ensure that the digital channel of Bank Muamalat runs smoothly during this holiday period. So that customer transactions can be served properly," concluded Karno.