Bank BSN Expands Merchant Ecosystem to Drive Digital Transaction Growth

Bank Syariah Nasional is taking its banking services directly into businesses through a merchant expansion program designed to make digital transactions part of everyday commercial activity.

The bank is rolling out its Serbu Ekosistem program in stages across major cities, including Banda Aceh, Bandung and Surabaya. The initiative offers payment acceptance through QRIS and electronic data capture machines, along with cash management and financing access for micro, small and medium-sized businesses as well as corporations.

The figures show the scale of the bank's existing digital activity. As of Aug. 31, 2026, Bale Syariah by BSN had 238,897 active users who made 3.29 million transactions worth 6.57 trillion rupiah. On the merchant side, BSN's QRIS service was being used by 2,102 merchants, generating 2.07 million transactions worth 552.1 billion rupiah.

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Every Bank BSN business product innovation must be rooted in making transactions easier for business operators. Through the spirit of #ThinkCustomer, every business decision always begins with the question: Does this step really make things easier for customers?

Bank BSN President Director Alex Sofjan Noor said the expansion aimed to connect banking services more closely with customers' businesses. “Every Bank BSN business product innovation must be rooted in making transactions easier for business operators,” he said at the program's launch in Jakarta. He added that the bank's customer-focused approach begins with asking whether a business decision genuinely makes things easier for customers.

The merchant base spans retail and the creative industries. The bank cited businesses including Heni Widiastuti's operation in Pasar Minggu, Muslim fashion label Modestalk run by Hanna Faridl, Romi Jaya, which has operated since 1990, and younger ventures such as Nahid Studio's Rula and Coco Bross. BSN said its approach reflects a shift from waiting for customers at branches to supporting business activity more directly.

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In running daily business operations, the need for speed, convenience and certainty in payment transactions is crucial, particularly through digital features such as QRIS and EDC machines.