Tangerang - PT Bank Central Asia Tbk's (BCA) digital innovation through MyBCA on smartwatch and Pocket Rupiah features is considered to encourage the formation of a new pattern in customer financial management. Both services have received a positive response since they were first launched at the end of 2025.
MyBCA on smartwatch which has been available since November 2025 has been used by around 90,000 customers. The adoption of this wearable technology-based service reflects the changing behavior of the community which increasingly prioritizes practicality and flexibility in accessing banking services.
SVP Transaction Banking Product Development BCA, Fera Agustina said the presence of MyBCA on the smartwatch is BCA's step in responding to the increasingly dynamic needs of customers.
"We are launching MyBCA on smartwatches around November. So far, from the few months we have launched, from November, public interest is quite good. So far, maybe around 90,000 customers have used the service for this MyBCA smartwatch," said Fera in a session. BCA Mini Studio at ICE BSD, Tangerang, written Sunday, February 8.
Fera explained that MyBCA, which was previously only accessible via mobile phones, has now been expanded to smartwatches so that customers can transact more practically in various situations.
"It was only on smartphones, (now) it is presented on smartwatches. Because we are trying to answer the needs of today's society," he said.
In terms of services, Fera said the MyBCA smartwatch not only provides non-financial features, but also supports financial transactions. Customers can check their balance, see account mutations, withdraw cash without a card, and make transactions using QRIS directly from the wearable device.
Apart from transaction services, BCA also recorded growth in the use of Pocket Rupiah as a financial management feature. Since its launch in December 2025, Pocket Rupiah has been used by around 40,000 customers with a total opening of around 70,000 fund pockets.
"From December to now, it's probably about a month more, that's the user we've had about 40,000 people open a pocket, but the number of pockets itself is quite around 70,000," said Fera.
Fera said that Pocket Rupiah is present in line with the increasing awareness of the public about the importance of more disciplined financial planning and management. To maintain the commitment to saving, BCA has equipped this feature with Money Lock which allows funds to be locked.
"The pocket or the pocket is locked. If it is locked, the funds cannot be withdrawn," he explained.
Fera said that the mechanism for opening the key to the funds was also not instantaneous. Because, customers must go to the ATM or BCA branch office if they want to reopen the funds that have been locked.
"If he opens it, he has to go to our ATM or to our BCA branch. That means that from the BCA side, we make this lock a little difficult, so that people are more committed to saving," said Fera.
In addition to encouraging discipline in saving, continued Fera, the Money Lock feature can also provide additional protection against potential fraud.
"If we have locked, we are even asked to transfer or what, it can't be. Because if you want to transfer you have to open it first," he said.
Going forward, BCA emphasized that the development of MyBCA and other digital solutions will continue to focus on personalization of services and security aspects as the main priority.
"Security, security has been the top priority. From the past until now, every digital solution we present must be safe," concluded Fera.
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