BSI Drives Gold Business Growth Through BYOND Digital Platform

Strategic Digital Expansion

PT Bank Syariah Indonesia Tbk (BSI) is aggressively expanding its bullion or gold banking business through its digital channel, particularly its superapps BYOND ¹

²

Source 2

https://keuangan.kontan.co.id/news/dorong-bisnis-bulion-bsi-andalkan-superapps-byond

. By November 2025, the platform has achieved 5.7 million users year-to-date, marking a significant milestone in BSI's digital banking journey. The user base is predominantly composed of younger generations, with Gen Z and Millennials (ages 20-40) being the primary users ¹

Source 1

https://keuangan.kontan.co.id/news/dorong-bisnis-bank-emas-transaksi-emas-bsi-melonjak-lewat-byond

.

Comprehensive Financial Ecosystem

BSI has designed BYOND not just as a digital banking application but as a comprehensive Islamic financial ecosystem. The platform integrates various financial services, allowing customers to perform banking transactions, investment activities, and social transactions within a single platform ¹

. This includes gold-related transactions, positioning BSI strongly in the gold banking or bullion business.

Strategic Rationale

According to Anton Sukarna, BSI's Director of Sales & Distribution, the development of BYOND is part of the company's long-term strategy to expand customer access and enhance competitiveness in the digital banking space ²

. The shift towards digital channels is seen as crucial for BSI to maintain its market position amidst changing consumer behavior.

Market Impact

The success of BYOND in attracting millions of users indicates a positive reception of BSI's digital offering, particularly among younger demographics. This positions BSI favorably in the competitive Islamic banking sector and enhances its capability to serve as a comprehensive financial services provider.