IndonesiaFinTech / BankingLive in productionCase Study
BNI
Branchless Banking Agency App
A bank in the pocket of every field agent.
- 45%
- Reach increase
- 2M+
- Monthly transactions
- Project
- Engagement type
- Android Native
- Core technology
Quick Answer
What is BNI?
The BNI agency banking app is a branchless banking solution built by Akxens for Bank Negara Indonesia. Field agents use a secure Android app to open accounts, send transfers, and process bill payments for customers in remote areas, even with weak or no internet connectivity.
The challenge
Millions of Indonesians in rural areas live far from bank branches. BNI needed to extend core banking services to unbanked communities through local agents, securely and on low-end devices.
The solution
Akxens built a native Android agency app with encrypted offline storage, biometric agent login, and queued transactions that sync to the core banking system when a connection is available.
How we built it
Our delivery approach for BNI, from discovery to launch.
- 01
Field research
Studied agent workflows and connectivity conditions in rural regions.
- 02
Offline-first design
Designed encrypted local storage and a safe transaction queue.
- 03
Core banking integration
Connected account opening, transfers, and bill payments to BNI systems.
- 04
Agent rollout
Piloted with agents, refined the UX, and scaled nationally.
Key features
What BNI delivers for its users every day.
- Android Native
- Java
- SQLite
- Encryption
- REST APIs
Account opening
Agents onboard new customers with e-KYC in minutes.
Transfers & bill pay
Send money and pay utilities from any agent location.
Offline mode
Transactions queue securely and sync when the network returns.
Encrypted by design
Device-level encryption and biometric login protect every session.
The outcome
- Extended banking services to unbanked rural communities
- Processed millions of transactions every month through agents
- Kept services running in low-connectivity areas
Services behind BNI
Industries
BNI: frequently asked questions
What is BNI?
The BNI agency banking app is a branchless banking solution built by Akxens for Bank Negara Indonesia. Field agents use a secure Android app to open accounts, send transfers, and process bill payments for customers in remote areas, even with weak or no internet connectivity.
What technology was used to build BNI?
BNI was built by Akxens using Android Native, Java, SQLite, Encryption, REST APIs.
Can Akxens build a platform like BNI for my business?
Yes. Akxens designs and builds custom FinTech / Banking software like BNI, from discovery and architecture to launch and ongoing support. Book a call to discuss your requirements.
