BNI's Digital Bank Officially Launches, Hi Bank Targets MSME Actors To Advance In Class

The launch of the digital bank application "hi by hibank" on Friday, February 21. (Doc. hibank)

JAKARTA - BNI's digital bank, PT Bank Hibank Indonesia (hibank) officially launched the digital bank application "hi by hibank" on Friday, February 21.

Hibank President Director Jenny Wiriyanto said this application was designed as an integrated digital solution for Micro, Small and Medium Enterprises (MSMEs) to facilitate financial transactions and encourage their business growth.

The hi by hibank application, he said, comes with various main features that help MSME players in planning, managing, recording, financing, and business development.

"This breakthrough allows MSME business actors to advance to class with various digital conveniences offered in one hand," he said, quoted on Saturday, February 22.

Jenny added, to increase financial literacy for MSME actors, hibank presents hi-literation features, a digital education program on finance, investment, and business management. In addition, there is a hi-chat feature that allows business actors to consult with a digital Relationship Manager to plan their business finances.

The app also provides hi-tung features to help finance planning through digital bags, hi-goals, and hi-depositos. Meanwhile, the hi-pos feature allows the recording of daily transactions that can be analyzed to support business decisions and access to digital financing.

In terms of funding, hi by hibank provides hi-bijak and hi-talang services, namely digital ecosystem-based loans with a supply chain approach. Business actors can also take advantage of the hi-UMKM feature to improve their business operations and promotions through integration with social media.

"With this application, we not only launched digital banking services, but also opened up great opportunities for MSMEs to advance to class and strengthen the Indonesian economy," added Jenny.

The bank continues to show positive growth with a community-based approach. In 2024, the bank recorded total assets of IDR 17.8 trillion or grew 22 percent year on Year (yoy), while loans increased 75 percent yoy to IDR 10.5 trillion with a ratio of non-performing loans (NPL) maintained at the level of 0.8 percent. Third Party Funds (DPK) also rose 33 percent yoy to IDR 12.6 trillion.

Meanwhile, BNI President Director Royke Tumilaar stated that the launch of hi by hibank complements BNI Group's digital transformation. Previously, BNI had introduced wondr by BNI in July 2024 with three main features, namely insight, transactions, and growth.

"With 63.9 percent ownership of shares in the bank, BNI targets this subsidiary as a source of long-term growth. Through a Hibank, BNI Group can become a one-stop solution to meet financial needs in various business segments and support national economic growth," said Royke.