Develop Super Applications, New Customers Of Bank Maumalat Doubled

JAKARTA - PT Bank Muamalat Tbk is said to have succeeded in achieving double the growth of new customers thanks to the development of a business process digitization strategy.

Director of Operations and Digital Bank Mumamalat Wahyu Avianto said previously the opening of new accounts only ranged from 300 accounts per day.

"Now there are up to 600 or even 700 new accounts every day. So the addition is very significant," he said when met in Jakarta on Thursday, August 3.

Wahyu explained that the score was supported by the company's strategic steps in developing the Muamalat DIN super mobile banking application. He explained that as of June 30, 2023, the total number of users of the Muamalat DIN application was recorded at around 434,000.

"This number jumped 27 percent compared to the same period last year," he said.

In particular, Wahyu said that the DIN super Muamalat application has a digital customer on board feature that allows prospective customers to open new accounts via mobile phones without having to come to the branch office.

The facility encourages the shift of 90 customer transaction patterns to digital.

"Therefore, we are optimistic that the new user acquisition target can be achieved," he said.

For information, the digital services developed by the first Islamic bank in Indonesia include electronic account mutations or e-statement, cash withdrawals at Indomaret outlets, bill payments, and payment transactions using QRIS.

Then, there is a menu of the latest Hajj registration feature, Hajj payment, and checking the value of the benefits of Hajj and there are also Islamic content features such as zakat calculators, prayer schedules and Qibla directions.

"Regarding the security aspect, Muamalat DIN is equipped with the latest security features such as biometric login and auto read One Time Password (OTP)," he said.

To note, Bank Muamalat has allocated a capital expenditure (capex) of IDR 100 billion to IDR 200 billion annually.