Jakarta-based Bank Syariah Indonesia consolidates legacy data via advanced analytics, improved fraud detection and personalization for stronger growth and customer experience.
On 1 February 2021, a state-owned Islamic bank based in Jakarta had emerged from the merger of three major Islamic banks. This consolidation positioned Bank Syariah Indonesia (BSI) to serve millions of customers across Indonesia, generating over US$1.2bn in annual revenue by 2024.
However, rapid growth has amplified the need for robust digital solutions to handle surging data volumes, deliver personalized banking services, and bolster security amid increasing regulatory pressures. BSI had inherited fragmented legacy systems containing duplicated customer records, operational redundancies, and siloed datasets. These issues blocked the creation of a unified data foundation, slowing critical functions like fraud detection, risk assessment, and tailored customer engagement.
By December 2025, the bank had announced a comprehensive data platform revamp to resolve pain points and drive operational agility, by:
- Deploying advanced data management and analytics technologies to consolidate and leverage its information assets effectively
- Installing distributed processing frameworks to ingest, clean, and unify data from multiple legacy repositories into a single, reliable source
- Using real-time analytics engines enabling proactive fraud monitoring, anomaly detection, and personalized service recommendations based on customer behavior
- Relying on operational data lakes paired with visualization tools for automated dashboards, predictive modeling, and strategic reporting that accelerated decision cycles
These implementations are transforming BSI’s capabilities, streamlining workflows across branches and digital channels. For 2024, the bank reported a 22.8% rise in net profit, attributing gains to sharper insights that had optimized resource allocation and customer retention.
Looking forward, the platform, supplied by Cloudera, lays groundwork for AI-enhanced features such as predictive lending and automated compliance checks. According to the bank’s Senior Vice President of Data & Decision Management, Andy Nugroho: “We began our data journey with simple infrastructure, but have now… completely transformed it.”
Going forward, the bank aims to remain one of the most technologically advanced Islamic banks in the country.
