BTN Targets 12 Million Active Users for Bale Super-App by 2027, Expands Ecosystem with KAI Services
Registered users reached 5.02 million with Rp103.53 trillion in transactions as of September 2026, and QRIS acceptance is being extended into 219 facilities across railway cafes and restaurants.
State mortgage bank BTN is targeting 12 million active users for its Bale by BTN super-app by 2027, the bank said on 12 November. As of September 2026 the app counted 5.02 million registered users, up 51% year on year, processing 2.23 billion transactions worth Rp103.53 trillion, up 44%. BTN is extending the app's ecosystem through a partnership with PT Reska Multi Usaha (KAI Services): 219 QRIS and EDC facilities across 23 Loko Café outlets and 28 train restaurants, with QRIS integration into the KAI Access app at the data-exchange stage. The bank's fee-based income from its digital ecosystem grew 42% year on year.
The numbers underline how quickly Indonesia's bank-operated super-apps are scaling transaction volume - and with it, the volume of merchant onboarding documents, KYC files and reconciliation records behind the scenes. Ecosystem partnerships with non-bank operators such as railway services also signal a growing integration workload between banking systems and external platforms.