Jakarta, June 28, 2025 — PT Bank Tabungan Negara (Persero) Tbk (BTN) continues to advance its digital transformation by reinforcing comprehensive and sustainable cyber risk management practices.
BTN Director of Risk Management Setiyo Wibowo emphasized the importance of building a digital risk management framework that focuses not only on technology, but also on governance and human factors.
“Since 2019, we have undertaken various transformation initiatives and expanded into beyond-mortgage services. We do not only offer end-to-end banking services, but also deliver a comprehensive digital experience for customers. Alongside this, we continue strengthening our risk management framework,” Setiyo said at the Asian Banking & Finance Summit 2025 in Jakarta this week.
Addressing Evolving Digital Risks
According to Setiyo, BTN’s digital transformation has significantly changed customer behavior. This shift requires the bank to enhance resilience against digital risks, including cyber threats, third-party risks, and the potential misuse of artificial intelligence (AI).
Citing reports from Gartner and Deloitte, he noted that more than 60% of global banks experienced cyber incidents in the past 12 months, with 75% of breaches involving third parties or cloud service providers.
“Digital risk is not merely an IT issue—it is a company-wide risk,” Setiyo stressed.
Four Pillars of Digital Risk Management
BTN has developed a digital risk management framework built on four main pillars:
To mitigate cyber threats, BTN has implemented multiple technological solutions, including fraud detection systems, digital verification mechanisms, cyber threat intelligence platforms, and Security Information and Event Management (SIEM) systems to monitor network traffic in real time.
In addition, BTN actively promotes digital literacy among employees and customers as part of its risk mitigation strategy. Educational initiatives include expert-led sessions, online learning modules (e-learning), and phishing simulation exercises.
Responsible AI Adoption
BTN has also begun adopting AI to improve operational efficiency. For example, its Loan Factory initiative has reduced operational manpower requirements by up to 80% without compromising accuracy or value creation.
“AI helps us enhance efficiency, but we maintain human oversight in value-based decision-making,” Setiyo added.
Regulatory Alignment and Sustainable Growth
Throughout its digital journey, BTN continues refining policies, fostering a digital culture, and strengthening its risk architecture in line with technological developments and regulatory requirements. This includes compliance with Financial Services Authority (OJK) regulations such as POJK 29/2022 on cybersecurity and POJK 11/2022 on information technology implementation for commercial banks.
Through this holistic approach, BTN remains confident in sustaining its digital transformation while reinforcing public trust in the security and reliability of its digital banking system.
