PT Bank Negara Indonesia (Persero) Tbk or BNI and PT Bank Pembangunan Daerah Sumatera Utara (Bank Sumut) are collaborating for the Orange Synergy program. It will include optimizing the use of products, services, channels and capabilities between BNI and Bank Sumut.
The initial step of this synergy began with the signing of a memorandum of understanding (MOU) between BNI vice president director Adi Sulistyowati (left) and Bank Sumut president director Rahmat Fadilah Pohan at BNI Tower in Pejompongan, Jakarta on Wednesday.
Within the MoU are several agreements. First, the joint utilization of products, services and capabilities; Second, the co-branding cooperation agreement (PKS), top up and Tapcash balance update. Third, cooperation agreement for increasing the capability of Bank Sumut employees; and finally a cooperation agreement for the utilization of banking services (ATM, QRIS, EDC, Biller).
Through the Orange Synergy collaboration project, Bank Sumut and BNI are committed to building a strategic collaboration as outlined in various banking service development initiatives that benefit both parties and stakeholders.
With this collaboration, Bank Sumut can expand the diversification of banking products and services. BNI can also expand services related to taxpaying and regional retribution in North Sumatra through ATM Channels, Mobile Banking, Agency and BNI outlets. The program is expected to make a positive contribution to BNI and Bank Sumut's business growth.
Adi "Susi" Sulistyowati said that the company is welcoming opportunities for cooperation and integration of services so they can be utilized for providing comprehensive banking solutions for Bank Sumut customers.
"Of course, we welcome this collaboration. This is in line BNI's Go Productive Spirit as it plays a proactive role in accelerating the national economic recovery through various collaborations. We also hope that Bank Sumut can now provide maximum service to customers," she said.
Meanwhile, potential synergies that can be created in the future are channel collaborations include the utilization of BNI ATM channels including those located abroad, joint use of acquired channels, such as using BNI’s supply chain financing (FSCM) platform, as well as cooperation in Agency Business.
BNI can also develop joint projects on local government credit card products for the regional government, to corporate card for Bank Sumut employees , BNI Visa orMaster credit card co-branding for personal and corporate customers of Bank Sumut, sales of investment products, insurance, car ownership programs and management of pension funds or severance pay for Bank Sumut employees.
There will also be opportunities for service collaboration in terms of API-based billers, the use of BNI remittance services and trade finance by Bank Sumut customers, regional revenue payment services facilities in North Sumatra, jointly provided solutions for the local administration, as well as the utilization of BNI's capabilities and products including People’s Business Credit (KUR) and BNI Xpora.
Finally, the cooperation will increase the capability of Bank Sumut through training and curriculum development to increase employees' capabilities in sales, treasury, international banking, information technology, as well as operational cooperations related to reconciliation and call center. Of course, there will also be assistance in developing the system governance of human resource and human resource information system (HRIS).
“There are many opportunities for cooperation between BNI and Bank Sumut. We will also explore other similar ventures with other regional banks," Susi said.
Susi also added that BNI has optimal capabilities in developing digital services-based Smart Cities. This collaboration can help regional governments provide optimal public services in this digital era.
One of the smart cities developed by BNI is building a Smart Government, which will enable an integrated financial management support, so that local tax revenues can be maximized. In addition, Smart City BNI has also developed other services, starting from Smart Health Care, Smart Farming, Smart Education, Smart Ecosystem for Micro, Small and Medium Enterprises (MSME) to Smart Tourism.
“In that way we can improve community welfare and regional economic growth. Everything is measurable and easy, starting from receiving tax services, paying for water, vehicle registration (STNK), to temporary vehicle ownership documents (BPKB),” said Susie.
During the signing, Rahmat said that BNI is a government-owned bank that ranks the fourth largest in terms of national assets. BNI is supported by ATM networks, digital channels, (internet and mobile banking), as well as branch offices at home and abroad.
As one of the pioneers of digital banking, BNI has digital service capabilities supported by a complete range of API-based products.
Rahmat added that along with the massive development of digitalization in various industries including financial services, as the largest regional bank in Sumatra and outside Java, Bank Sumut has launched a digital transformation which became its focus since 2020. It aims
to compete with various banking service features and expanding service coverage.
To accelerate Bank Sumut's digitalization, appropriate steps are needed to collaborate with other industry players, such as fintech, e-commerce, as well as fellow banks. “We certainly appreciate BNI for opening opportunities for collaborations with us. Of course this will become a new value proposition for us and will benefit our customers," he added.
For Bank Sumut, this collaboration would strengthen digital capabilities, adding new services and products, as well as strengthening Bank Sumut's business development. Of course, there is also the potential for increased income, as well as investment opportunities at a more affordable cost.
For Bank Sumut customers, this collaboration will provide a variety of new service options, better services, more competitive fees, as well as broader and more convenient transaction channels.
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