Bank Muamalat's QRIS Transactions Reach 5 Million Mark in 2025

Significant Growth in Digital Payments

Bank Muamalat's QRIS transactions through its Muamalat DIN mobile banking application have shown remarkable growth, reaching 5 million transactions by November 2025. This represents a substantial 89.37% increase compared to the same period last year. The transaction volume also grew significantly by 71.06% year-on-year, demonstrating the increasing adoption of digital payment methods among customers.

Diverse Use Cases Driving Adoption

The growth in QRIS transactions at Bank Muamalat is not limited to commercial activities alone. According to Ricky Rikardo Mulyadi, Director of PT Bank Muamalat Indonesia Tbk, the bank has seen increased usage of QRIS for various religious and social activities. These include payments for zakat, infak, sedekah (ZIS), and wakaf, showcasing the versatility of the bank's digital payment platform. The ability to use QRIS for both commercial and religious transactions has contributed to its widespread adoption.

Strong Ecosystem Supporting Growth

The bank's QRIS ecosystem is supported by a robust network of over 18,000 merchants spread across different regions. This extensive merchant network has been a crucial factor in driving the growth of QRIS transactions at Bank Muamalat. As of end-November 2025, the bank recorded 211,000 active users on its Muamalat DIN platform, highlighting the strong user engagement with its digital services.

Strategic Expansion and Future Prospects

Bank Muamalat's QRIS acquiring service, launched in January 2022, has been particularly successful in targeting business customers, including those in the UMKM segment. The expansion of the merchant base has been a key strategy in promoting digital transaction growth. As the bank continues to enhance its digital capabilities and expand its merchant network, it is well-positioned to further drive the adoption of digital payments in Indonesia's financial sector.