Finastra helps BNI speed up trade finance operations worldwide

January 12, 2026

PT. Bank Negara Indonesia (Persero) Tbk (BNI), one of Indonesia’s largest state-owned banks, has significantly accelerated customer onboarding and streamlined global trade operations after unifying its trade finance activities on Finastra’s Trade Innovation platform.

PT. Bank Negara Indonesia has consolidated both its domestic and international trade finance operations onto Finastra Trade Innovation, resulting in customer onboarding speeds improving by around 25%. The move has replaced multiple legacy systems with a centralized single platform, delivering shorter approval cycles and a single source of truth for reporting across BNI’s regional footprint.

BNI selected Finastra’s Trade Innovation solution to break down siloed trade finance processes, modernise compliance capabilities and enable real-time processing and analytics. Finastra supported the bank with end-to-end implementation and co-innovation services, while a local systems integrator provided on-site deployment and localisation support. BNI had previously operated separate local instances for its overseas offices and is now completing the migration of nine international locations to a central instance in Jakarta, enabling group-level processing while maintaining local regulatory controls.

Since deployment, the bank has recorded clear operational and customer experience improvements. Customer onboarding has accelerated by approximately 25%, enabling BNI to deliver a number of trade services with service-level agreements of under three hours. Automated compliance workflows and straight-through processing have also significantly reduced approval times, with most approvals now completed within one day.

The platform has further supported a 10% increase in customer acquisition in the current fiscal year and underpins the bank’s growing digital trade business across more than 160 branches and over 2,645 trade customers. In addition, the centralized architecture enables advanced analytics, enhanced risk modelling and easier integration with fintech and AI partners, supporting BNI’s broader modernisation strategy.

I G W Anantayoga, general manager of wholesale product transaction & value chain division at BNI, said, “Our relationship with Finastra is a strategic partnership. We collaborate not just on technology, but on shaping the future of trade transactions within BNI, across Indonesia, and beyond.

“Finastra’s solution has seamlessly integrated with our core banking system, providing instant insights that enable us to process trade documents quickly and accurately. Most approval decisions are made within a day, strengthening the customer experience. At the same time, automation has significantly streamlined operations and delivered measurable efficiencies.”

Andrew Bateman, EVP for lending at Finastra, said, “Modernizing trade finance is essential for banks to serve their customers faster and to collaborate effectively with fintech and AI innovators.

“Working with BNI, we delivered a scalable, centralized Trade Innovation platform that streamlines compliance, enhances straight-through processing, and positions the bank for rapid product innovation across its regional footprint.”