Indonesia: BRI’s BRImo App Hits 26 Million Monthly Users as Transactions Rise 27.6%
One of Indonesia’s biggest banks is getting more use out of its mobile app, not just more downloads. Bank Rakyat Indonesia (BRI) says its BRImo app had 26 million monthly active users at the end of September 2026, and the value of transactions running through it rose 27.6% from a year earlier to Rp6,439 trillion. The state-controlled bank shared the numbers with its third-quarter results in Jakarta on 9 November.
Key facts
- 26 million people used BRImo at least once a month by end-September 2026, up 13% year on year.
- Transactions on BRImo reached Rp6,439 trillion, up 27.6%, while fee income from the app grew 12.1% to Rp3.1 trillion.
- QRIS payments handled by BRI jumped 86% year on year. QRIS is Indonesia’s national QR code standard, run under Bank Indonesia, the central bank.
- The AgenBRILink network of more than 1 million shop-based agents now reaches over 60,000 villages, about 80% of all villages in Indonesia.
- Agent fee income rose 26% to Rp1.6 trillion, and deposits gathered through agents grew 45.1%.
Activity, not just sign-ups
Banks across Asia like to quote total registered users, a figure that only ever goes up. BRI chose to lead with monthly active users, which is a stricter test: it counts only people who actually open the app and do something. Transaction value growing about twice as fast as active users (27.6% against 13%) suggests that each active customer is moving more money through the app than before.
BRI director for network and retail funding Aquarius Rudianto said the bank’s aim is not only to add users but to push up transaction activity, while building up cheap funding and fee income. That matters for a bank because money left sitting in current and savings accounts (known in the industry as CASA) is cheaper than fixed deposits, and app payments keep that money inside the bank.
Why it matters
Indonesia is a country of thousands of islands, and many villages are far from a bank branch. BRI’s answer has been a two-track model. Urban and younger customers use BRImo on their phones, while AgenBRILink turns local kiosks and shops into mini bank counters where people can deposit cash, withdraw money, pay bills or send transfers. The bank’s numbers show both tracks growing at the same time, which suggests the agent network is not simply being replaced by the app.
The 86% jump in QRIS transactions is also worth noting. Because QRIS is a shared standard, a shopper using any bank or e-wallet app can pay a merchant whose QR code was issued by another provider. Fast QRIS growth at a bank best known for lending to small businesses points to more street vendors, warung (small family shops) and market stalls taking digital payments. BRI also said the number of its card terminals that are actively used rose 16.6%, and deposits from its merchants grew 36.3%.
For the region, QRIS is one of the national QR systems linked under ASEAN’s cross-border QR payment network, which already connects it with Malaysia’s DuitNow QR, Thailand’s PromptPay and Singapore’s SGQR. A deeper base of QRIS merchants means more places where travellers from linked countries can scan and pay with their home apps.
What to watch
- Whether BRI keeps transaction growth ahead of user growth in its full-year 2026 results.
- How BRImo and AgenBRILink fare as Indonesia’s other big banks push their own super-apps.
- Further QRIS growth as Bank Indonesia widens the standard’s use for cross-border and tap-to-pay payments.
Related on FinDeskAsia: ASEAN’s cross-border QR payments explained and how Malaysia’s payment system works.
Sources: Kontan (November 2026); ANTARA News (November 2026).
