BNI Expands Digital Payment Reach to China with QRIS Cross Border Feature

PT Bank Negara Indonesia (Persero) Tbk, or BNI, has taken a significant step in expanding its digital payment services by introducing the QRIS Cross Border feature in China via its wondr by BNI application. This innovative service allows BNI customers to seamlessly conduct transactions at merchants integrated with Alipay and UnionPay simply by scanning a QR code, eliminating the need for physical currency exchange. This development was officially launched on Friday (April 30, 2026), in collaboration with Bank Indonesia (BI) and other key payment service providers, non-bank financial institutions, and banking entities.

The launch event was graced by the presence of BI Governor Perry Warjiyo, Chinese Ambassador to Indonesia Wang Lutong, and Coordinating Minister for Human Development and Cultural Affairs Pratikno. BNI's Senior Executive Vice President of Network and Sales, Sri Indira, highlighted that this feature not only offers convenience to BNI customers but also actively supports the integration of global payment systems. "This launch is a concrete step by BNI in supporting the increasingly global digital payment ecosystem. We want to ensure customers can transact easily wherever they are, including in China, while also encouraging an increase in transactions by foreign tourists in Indonesia," she stated.

Through the wondr by BNI app, customers can now pay directly at various merchants in China connected to the local digital payment network. Conversely, Chinese tourists can also make payments at BNI merchants in Indonesia using their own payment applications integrated with QRIS. BNI views this as a crucial milestone in strengthening payment system interoperability between Indonesia and China. Beyond enhancing cross-border transaction convenience, this feature is expected to boost inbound transactions, particularly from Chinese tourists, who are a major contributor to Indonesia's national tourism sector. From an industry perspective, the digital payment ecosystem continues its positive trajectory, with Bank Indonesia reporting a 33.76% year-on-year growth in digital payment transaction volume in the first quarter of 2026, reaching 14.39 billion transactions, driven by increasing digital acceptance across various sectors. Looking ahead, BNI plans to extend the QRIS Cross Border service to other countries as part of its global digital service enhancement strategy, aiming to improve customer transaction convenience and bolster Indonesia's position in the international digital economy.

“

Peluncuran ini menjadi langkah nyata BNI dalam mendukung ekosistem pembayaran digital yang semakin global. Kami ingin memastikan nasabah dapat bertransaksi dengan mudah di mana pun, termasuk di China, sekaligus mendorong peningkatan transaksi wisatawan mancanegara di Indonesia.