Jakarta, October 2, 2023 – In the middle of 2023, BCA Syariah Mobile recorded a year-on-year transaction growth of 47.6%, reaching 2.2 million transactions in June 2023. Public awareness of conducting transactions through e-channels is increasing compared to branch transactions.

BCA Syariah consistently provides comfort and security in transactions.

BCA Syariah solidifies its vision and mission to become a reliable and trustworthy Islamic bank that excels in payment settlement, fund collection, and financing for business and individual customers by introducing various digital transaction innovations for customers.

Since its inception in 2010, BCA Syariah has been supported by a strong e-channel network, including BCA's widespread ATMs and EDCs. This adds value to BCA Syariah customers due to easy access to BCA's ATMs and EDCs across Indonesia.

With the evolving needs of customers, BCA Syariah began developing mobile banking services called BCA Syariah Mobile in 2014 and introduced the Klik BCA Syariah internet banking in 2017. In the same year, BCA Syariah launched the co-branded Flazz BCA Syariah card to support a cashless society, facilitating non-cash payments for customers.

The frequency of BCA Syariah Mobile transactions accounts for 63% of all customer transactions at BCA Syariah. Branch transactions constitute 3%, while ATMs and EDCs together account for 33%, and the remaining 1% is through internet banking. BCA Syariah Mobile has become the most widely used transaction tool due to its convenience, allowing users to transact anytime, anywhere.

BCA Syariah continues to enhance features and services to meet the public's demand for easy and secure banking transactions. Improvements include the revamping of the BCA Syariah Mobile interface in 2022, the addition of QRIS payment features, and cardless cash withdrawals, allowing customers to withdraw cash from BCA ATMs without needing to bring their ATM cards. In June 2023, BCA Syariah expanded access to savings products by launching online account opening through BCA Syariah Mobile. With this feature, people can open accounts via their phones without visiting branches.

The online account opening feature received a positive response from the public. Approximately two months after its launch, BCA Syariah's online account opening recorded 233,000 new account openings in August 2023. Third-Party Funds (Dana Pihak Ketiga) increased by 35%, reaching IDR 9.4 trillion compared to the previous year's IDR 7.3 trillion. The number of customers reached 513,000, growing by 154% compared to August 2022, which had 201,000 customers.

On the operational side, digital work processes are continually improved to increase efficiency and speed. For example, BCA Syariah has automated the Emas iB financing application process using Robotic Process Automation (RPA) and various other digital solutions for employee capacity development.

The modernization of services undertaken by BCA Syariah is one of the strategies to increase the acquisition of low-cost funds. BCA Syariah targets Third-Party Funds to grow in the range of 10-12% by the end of this year compared to the previous year's IDR 9.5 trillion.

With the development of digital transactions in society, safeguarding the security of customer personal data from cyber threats becomes a top priority for the bank. "BCA Syariah has implemented layered security to prevent cybercrime. Customer data protection must cover three aspects: people, process, and technology," said Lukman Hadiwijaya.

On the people aspect, BCA Syariah continuously educates customers to prevent risks by safeguarding personal and banking data. "BCA Syariah advises customers to be cautious when conducting financial transactions, maintaining the confidentiality of personal and banking data, including not disclosing information such as passwords and PINs to anyone, even to close family or bank personnel," said Lukman.

On the process side, every application development undergoes a security review process to ensure the security of customer data in the developed application. BCA Syariah uses a verification process with layered security, including face recognition (Face Recognition), the use of Secure Socket Layer (SSL), and transaction security with Access Codes/passwords and mPIN.

Meanwhile, on the technology side, BCA Syariah also strengthens its systems through regular updates to mitigate security vulnerabilities. In the midst of the growing threat of cybercrime, data security is a top priority for BCA Syariah. BCA Syariah has obtained ISO 27001:2013 certification for the implementation of Information Security Management Systems (ISMS). "This achievement is one of BCA Syariah's commitments to maintaining the confidentiality, integrity, and availability of company information. We hope that the obtained certification can strengthen customer confidence in transacting with BCA Syariah," said Lukman.

The ISO 27001:2013 certification obtained by BCA Syariah covers the scope of providing application infrastructure programs, API (Application Programming Interface), and Host to Host Network. The acquisition of this certification signifies BCA Syariah's strong commitment to implementing ISMS in accordance with the SNI ISO/IEC 27001:2013 standard.

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About PT Bank BCA Syariah

PT Bank BCA Syariah (BCA Syariah) is a subsidiary of PT Bank Central Asia Tbk., which began operating on April 5, 2010. As of June 2023, BCA Syariah's total assets have reached IDR 13.3 trillion, growing by 21.9% compared to the same period the previous year (YoY). BCA Syariah's financing disbursement amounted to IDR 7.8 trillion, growing by 11.4% YoY. Meanwhile, Third-Party Funds (DPK) reached IDR 10 trillion, increasing by 26% YoY. BCA Syariah now has 75 branch networks spread across Jabodetabek, Surabaya, Semarang, Bandung, Solo, Yogyakarta, Bandar Lampung, Medan, Palembang, Banda Aceh, Panakukkang, Malang, Kediri, Pasuruan, and Banyuwangi.

PT BANK BCA SYARIAH

Department of Communication & Corporate Secretary

Business & Communication Unit

Address: Jl. Jatinegara Timur No. 72 East Jakarta 13310

Phone: (021) 850-5030

E-mail: bcas_humas@bcasyariah.co.id

Website: www.bcasyariah.co.id