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JAKARTA - The percentage of transactions through PT Bank Muamalat Indonesia Tbk's digital channel during the COVID-19 pandemic reached 90 percent of all transactions.

The majority of transactions are carried out through the Muamalat Digital Islamic Network (DIN) mobile banking application.

Director of Operations of Bank Muamalat, Awaldi, said that there had been a shift in the habits of customers who were more active in using digital services and fewer and fewer people came to branch offices.

The COVID-19 pandemic that has occurred since 2020 is the catalyst for this transition.

"As an illustration, digital transactions before the pandemic were only about 30 percent of total transactions. With an increase to 90 percent. This shows that our customers are more active and comfortable transacting using Muamalat DIN. This is also part of the company's strategy to spur an increase in low-cost funds (Current Account & Saving Account/CASA)", he said in an official statement, Friday, September 23.

During the pandemic period until September 2022, Muamalat DIN has processed transactions with a nominal value of more than IDR 46 trillion from 33 million transactions.

More than 70 percent are in the form of electronic transfer transactions. The rest are other transactions such as buying credit and top-up electronic money.

Since its launch at the end of 2019, most customers have become Muamalat DIN users.

The Muamalat DIN application is equipped with the latest security features such as biometric login and auto-read One Time Password (OTP).

Muamalat DIN can also be used by non-customers of Bank Muamalat because there are Islamic content features such as a zakat calculator, prayer schedule, and Qibla direction.

In addition, there is a payment feature using a QR Code that is connected to the Quick Response Code Indonesian Standard (QRIS), which is the standardization of payments using the QR Code method from Bank Indonesia.

The QR Code Muamalat DIN feature can now be used for transactions at merchants that use the QRIS logo such as retail stores, gas stations, to charity boxes.

Not long ago, Bank Muamalat also launched the Sharia Mutual Fund Outlet feature at Muamalat DIN.

The first online-based Sharia Mutual Fund outlet in the country collaborates with FUNDTastic+ as the Selling Agent of Mutual Funds (APERD) and PT Bahana TCW Investment Management (Bahana TCW) and Eastspring Investments Indonesia as investment managers.

Bank Muamalat data shows that the company's customers' interest in investment products continues to increase from year to year in line with sales growth.

Average sales grew by about 160 percent per year for the last 4 years.

As for Hajj services, Muamalat DIN features the Opening of Hajj Pilgrimage Savings Accounts (RTJH) and Payment of Hajj Portion Initial Deposits.

This innovation is to make it easier for people to register for Hajj without having to come directly to the branch office.

Customers only need to pay an initial deposit for Hajj registration of IDR 25 million through the Muamalat DIN application on their smartphone.


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