Bank Muamalat Reports Significant Growth in Digital Halal Certification Transactions

Surge in Halal Payment Adoption

PT Bank Muamalat Indonesia Tbk has witnessed a substantial increase in digital halal certification payments, with a 50% year-on-year growth in transaction value by November 2025. The volume of these transactions has seen an even more impressive surge, growing by over 100% during the same period. This significant growth highlights the increasing adoption of digital payment systems for halal certification among Indonesian businesses.

Industry Context and Implications

The growth in digital halal certification transactions through Bank Muamalat reflects a broader trend of increasing awareness about the importance of halal financial practices. According to Ricky Rikardo Mulyadi, Director of Bank Muamalat, this trend underscores the recognition among businesses that halal assurance extends beyond raw materials and production processes to include financial transactions. The integration of sharia banking systems with the halal ecosystem is becoming a critical factor in strengthening Indonesia's halal industry competitiveness.

Supporting MSMEs Through Digital Solutions

The digitalization of halal certification payments is particularly significant for Micro, Small, and Medium Enterprises (MSMEs), which require fast, recorded, and regulatory-compliant payment processes. By providing such services, Bank Muamalat is supporting the growth of MSMEs within the halal industry, contributing to their ability to compete both domestically and internationally.

Future Outlook

As Indonesia continues to position itself as a global leader in the halal industry, the role of digital financial services in supporting this ambition becomes increasingly important. Bank Muamalat's success in growing its digital halal certification transactions highlights the potential for further innovation in this space, potentially driving broader adoption of digital financial solutions across the halal ecosystem.