Wallets/bank-syariah-indonesia
Bank Syariah Indonesia (BSI Mobile + BYond by BSI)
0 standards supported
Overview
Bank Syariah Indonesia (BSI Mobile + BYond by BSI) is Indonesia's largest Islamic bank + post-Feb 1 2021 BRI Syariah + BNI Syariah + Mandiri Syariah merger + BSI aims to serve >40M customers 2025 + 10M BSI Mobile users by end-2025 + BYond by BSI 3M+ active users 2 months after launch [1, 2, id-cro]. 2025 baseline: BSI aims to serve >40M customers 2025 + 10M BSI Mobile users by end-2025; BYond by BSI 3M+ active users 2 months after launch distinctive Indonesian Islamic banking app migration; BSI Mobile Feb 2021 launch as Indonesian Islamic mobile-first banking pioneer.
Distinctive BSI positioning:
- Indonesia's largest Islamic bank (PT Bank Syariah Indonesia Tbk; IDX: BRIS)
- Post-Feb 1 2021 BRI Syariah + BNI Syariah + Mandiri Syariah merger distinctive Indonesian Islamic banking consolidation
- BSI aims to serve >40M customers 2025 + 10M BSI Mobile users by end-2025 distinctive Indonesian Islamic banking scale
- BYond by BSI 3M+ active users 2 months after launch distinctive Indonesian Islamic banking app migration
- BSI Mobile Feb 2021 launch as Indonesian Islamic mobile-first banking pioneer
- DSN-MUI (Dewan Syariah Nasional MUI) Sharia supervisory board oversight distinctive Indonesian Islamic banking governance
- BSI Mobile Islamic banking features (zakat services + Islamic banking features) distinctive Indonesian Islamic banking ecosystem
History
1969 — Bank Susila Bakti founded as Indonesian conventional bank.
1991 — Bank Muamalat founded as Indonesia's first Islamic bank.
1999 — BSM (Bank Syariah Mandiri) founded post-Bank Mandiri Islamic banking subsidiary.
2008 — BNI Syariah founded post-BNI Islamic banking subsidiary.
2008 — BRI Syariah founded post-BRI Islamic banking subsidiary.
Feb 1 2021 — Bank Syariah Indonesia formed via merger of BRI Syariah + BNI Syariah + Mandiri Syariah distinctive Indonesian Islamic banking consolidation.
Feb 2021 — BSI Mobile launch as Indonesian Islamic mobile-first banking pioneer [3].
Oct 23 2024 — BYond by BSI launch post-BSI Mobile migration to newer platform.
2025 — BYond by BSI 3M+ active users 2 months after launch + BSI aims to serve >40M customers 2025 + 10M BSI Mobile users by end-2025 [1, 2].
Ownership & operator
Operating entity: PT Bank Syariah Indonesia Tbk (IDX: BRIS; Indonesia's largest Islamic bank; post-2021 BRI Syariah + BNI Syariah + Mandiri Syariah merger).
Major shareholders: Bank Mandiri (Indonesia's largest state-owned bank by assets; IDX: BMRI) majority controlling + BNI + BRI + Indonesian institutional + retail + foreign investors.
Regulators: OJK (Otoritas Jasa Keuangan / Financial Services Authority Indonesia) + Bank Indonesia + Dewan Syariah Nasional MUI (DSN-MUI) distinctive Indonesian Islamic banking Sharia supervisory board oversight.
Technical integration
BSI Mobile + BYond by BSI mobile banking apps (iOS + Android; BYond by BSI 3M+ active users 2 months after launch; BSI aims to serve >40M customers 2025 + 10M BSI Mobile users by end-2025) + bankbsi.co.id online + BSI branch network across Indonesia + BSI Visa + Mastercard cards; QRIS (Quick Response Code Indonesian Standard); BSI Mobile transfers + bill payments + account management + Islamic banking features like zakat services distinctive Indonesian Islamic banking ecosystem + DSN-MUI Sharia supervisory board oversight.
Users & growth
2025: BSI aims to serve >40M customers 2025 + 10M BSI Mobile users by end-2025; BYond by BSI 3M+ active users 2 months after launch.
Use cases
Indonesian Islamic + retail + private + SME + commercial banking via BSI Mobile + BYond by BSI mobile + bankbsi.co.id online + BSI branch network across Indonesia + Visa/Mastercard cards; QRIS; BSI Mobile transfers + bill payments + account management + Islamic banking features like zakat services distinctive Indonesian Islamic banking ecosystem + DSN-MUI Sharia supervisory board oversight.
Implementations & partners
Operator: PT Bank Syariah Indonesia Tbk (IDX: BRIS; Indonesia's largest Islamic bank; post-2021 BRI Syariah + BNI Syariah + Mandiri Syariah merger); Bank Mandiri (Indonesia's largest state-owned bank by assets; IDX: BMRI) majority controlling + BNI + BRI + Indonesian institutional + retail + foreign investors.
Indonesian Islamic banking ecosystem: [[bank-syariah-indonesia]] (Indonesia's largest Islamic bank; post-Feb 1 2021 BRI Syariah + BNI Syariah + Mandiri Syariah merger) + [[bank-muamalat]] (Indonesia's first Islamic bank; 1991 Bank Muamalat founding) + [[bank-aladin]] (Indonesian digital-based Syariah bank; IDX: BANK; Aladin Bank donations + zakat features) + [[bank-mega-syariah]] (Indonesian Islamic banking subsidiary; CT Corp ecosystem) + [[bsi-mobile]] (BSI Mobile + BYond by BSI Indonesian Islamic mobile banking).
Major Indonesian banking + digital bank competitors: [[bank-central-asia]] (Bank Central Asia BCA Mobile; Indonesia's largest private bank by assets; IDX: BBCA; ~30M+ BCA Mobile users) + [[bank-mandiri]] (Indonesia's largest state-owned bank by assets; IDX: BMRI; Livin' by Mandiri; BSI majority controlling shareholder) + [[bank-rakyat-indonesia]] (Bank Rakyat Indonesia BRImo; Indonesia's #2 state-owned bank by assets; IDX: BBRI; 38M+ BRImo users) + [[btn-indonesia]] (Bank Tabungan Negara; Indonesia's housing-focused state-owned bank; IDX: BBTN) + [[bank-jago]] (Indonesian-listed technology-based bank; IDX: ARTO; 18.6M+ customers Q3 2025; GoTo + Gojek ecosystem strategic partner; Jago Syariah) + [[seabank-id]] (SeaBank Indonesia; Sea Group Shopee ecosystem; 13M+ customers).
Regulators: OJK + Bank Indonesia + DSN-MUI.
Fun facts
- Indonesia's largest Islamic bank (PT Bank Syariah Indonesia Tbk; IDX: BRIS).
- Post-Feb 1 2021 BRI Syariah + BNI Syariah + Mandiri Syariah merger distinctive Indonesian Islamic banking consolidation.
- BSI aims to serve >40M customers 2025 + 10M BSI Mobile users by end-2025 distinctive Indonesian Islamic banking scale.
- BYond by BSI 3M+ active users 2 months after launch distinctive Indonesian Islamic banking app migration.
- BSI Mobile Feb 2021 launch as Indonesian Islamic mobile-first banking pioneer.
- DSN-MUI (Dewan Syariah Nasional MUI) Sharia supervisory board oversight distinctive Indonesian Islamic banking governance.
- BSI Mobile Islamic banking features (zakat services + Islamic banking features) distinctive Indonesian Islamic banking ecosystem.
Comparison
| Feature | BSI Mobile + BYond by BSI | [[bank-central-asia]] (Bank Central Asia rival; Indonesia's largest private bank by assets; ~30M+ BCA Mobile users) | [[bank-mandiri]] (Indonesia's largest state-owned bank by assets rival; BSI majority controlling shareholder) | [[bank-rakyat-indonesia]] (Bank Rakyat Indonesia rival; Indonesia's #2 state-owned bank by assets; 38M+ BRImo users) | [[bank-aladin]] (Indonesian digital-based Syariah bank rival; IDX: BANK) |
|---|---|---|---|---|---|
| Operator | PT Bank Syariah Indonesia Tbk (IDX: BRIS; Indonesia's largest Islamic bank; post-2021 BRI Syariah + BNI Syariah + Mandiri Syariah merger) | Bank Central Asia (IDX: BBCA; Hartono family Djarum Group controlling) | Bank Mandiri (IDX: BMRI; Indonesian government majority controlling) | Bank Rakyat Indonesia (IDX: BBRI; Indonesian government majority controlling) | PT Bank Aladin Syariah Tbk (IDX: BANK; Indonesian digital-based Syariah bank) |
| Type | Indonesia's largest Islamic bank + post-Feb 1 2021 BRI Syariah + BNI Syariah + Mandiri Syariah merger + BSI aims to serve >40M customers 2025 + 10M BSI Mobile users by end-2025 + BYond by BSI 3M+ active users 2 months after launch + DSN-MUI Sharia supervisory board oversight + BSI Mobile Islamic banking features (zakat services + Islamic banking features) | Indonesia's largest private bank by assets + ~30M+ BCA Mobile users + Hartono family Djarum Group controlling | Indonesia's largest state-owned bank by assets + Livin' by Mandiri + BSI majority controlling shareholder | Indonesia's #2 state-owned bank by assets + 38M+ BRImo users | Indonesian digital-based Syariah bank + IDX: BANK + Aladin Bank donations + zakat features + DSN-MUI Sharia supervisory board oversight |
| Country | ID | ID | ID + SG + HK + KY + UK + TW + others | ID + several | ID |
| Distinctive | 1969 Bank Susila Bakti founding; 1991 Bank Muamalat founding (Indonesia's first Islamic bank); 1999 BSM (Bank Syariah Mandiri) founding; 2008 BNI Syariah + BRI Syariah founding; Feb 1 2021 Bank Syariah Indonesia formed via merger of BRI Syariah + BNI Syariah + Mandiri Syariah; Feb 2021 BSI Mobile launch; Oct 23 2024 BYond by BSI launch; 2025 BYond by BSI 3M+ active users 2 months after launch | 1957 BCA founding; 2000 BCA IPO on IDX | 1998 Bank Mandiri founding via merger of 4 Indonesian state-owned banks | 1895 BRI founding (Indonesia's oldest commercial bank) | 1994 PT Bank Net Indonesia founding; 2018 PT Bank Net Indonesia converts to Bank Net Syariah; 2021 PT Bank Net Syariah rebranded to PT Bank Aladin Syariah Tbk + Aladin Bank digital Islamic bank launch |
Status
Active, Indonesia's largest Islamic bank + post-Feb 1 2021 BRI Syariah + BNI Syariah + Mandiri Syariah merger + BSI aims to serve >40M customers 2025 + 10M BSI Mobile users by end-2025 + BYond by BSI 3M+ active users 2 months after launch [1, 2, 3]:
- PT Bank Syariah Indonesia Tbk (IDX: BRIS; Indonesia's largest Islamic bank; post-2021 BRI Syariah + BNI Syariah + Mandiri Syariah merger) since 1969 Bank Susila Bakti founding + 1991 Bank Muamalat founding + 1999 BSM (Bank Syariah Mandiri) founding + 2008 BNI Syariah + BRI Syariah founding + Feb 1 2021 Bank Syariah Indonesia formed via merger of BRI Syariah + BNI Syariah + Mandiri Syariah + Feb 2021 BSI Mobile launch + Oct 23 2024 BYond by BSI launch.
- BSI aims to serve >40M customers 2025 + 10M BSI Mobile users by end-2025.
- BYond by BSI 3M+ active users 2 months after launch.
- OJK + Bank Indonesia + DSN-MUI regulated.
Sources
- 1 Customer Loyalty Bank Syariah Indonesia (BSI) in The Digital Age — SHS Web of Conferences
- 2 Halaman Utama — Bank Syariah Indonesia
- 3 BSI modernizes for growth with Oracle Autonomous Database — Oracle
- id-cro In-corpus:
reports/countries/ID-indonesia.md
Source
Biography extracted from bank-syariah-indonesia.md. See matrix.md for standards-support matrix if present.