Bank Raya’s push in digital banking is drawing attention after the lender won the title of The Most Innovative Digitalization of Digital Bank 2026 in the Digital Bank category at the Indonesia Digital Innovation Awards (IDIA) 2026. The recognition highlights how the company has framed innovation as more than a feature race, placing measurable user value at the center of its digital strategy.
The award from Warta Ekonomi was received by Lukman Hakim, Director of Digital and Operations at Bank Raya, at Parle Senayan in Jakarta. It also reflects how the bank’s development agenda has been assessed not only through product additions, but through the practical impact those changes create for customers in an increasingly competitive digital banking market.
A data-driven award assessment
The IDIA 2026 judging process used a data-based approach that relied on desk research and media monitoring. This method was designed to evaluate digital activity and innovation implementation over the past year before selecting winners.
That approach also placed weight on strategic relevance, including how a company’s innovation supports national economic development. The assessment drew from company reports and credible official publications, which helped keep the evaluation rooted in verifiable performance rather than brand visibility alone.
For Bank Raya, that framework appears aligned with the direction of its digital business. The bank has positioned its product development around customer needs while also strengthening the technology behind its services.
Customer experience as the main direction
Lukman Hakim said Bank Raya prioritizes customer experience in every product development effort. He also stated that the bank continues to reinforce its technology infrastructure so users can enjoy transactions that are more intuitive, personal, and secure.
Security has become part of that effort as well. Bank Raya has strengthened its architecture with AI-based threat detection that works faster and with greater precision, according to Lukman.
That combination of user-focused design and improved protection suggests that the company is not treating digital banking innovation as a single feature launch. Instead, it is building an ecosystem that can support everyday financial activities with more consistency.
More than 111 new features in Aplikasi Raya
One of the strongest signals behind the award is the scale of product development in Aplikasi Raya. Between 2025 and early 2026, Bank Raya rolled out more than 111 new features to respond to shifting market needs and digital user behavior.
Several of those features show how the bank is targeting specific use cases. Saku Bareng and Tagih Uang support shared financial management for up to 300 members, while Uang Saku is designed as an educational tool that helps parents monitor children’s financial habits.
Other additions extend the app’s utility into payments and business use. Kartu Digital Debit Visa supports transactions at global online merchants, while QRIS Bisnis and the cash register feature are aimed at helping MSMEs track incoming payments in real time.
Daily services in one platform
The feature expansion also shows that Bank Raya is building a broader daily-use platform rather than a narrow digital banking app. Users can handle services such as mobile credit top-ups, electricity payments, PDAM bills, taxes, and zakat within the same system.
That wider scope is important because digital banking users increasingly expect one application to handle multiple tasks without moving between different channels. In that context, the bank’s product roadmap appears to be shaped by convenience, speed, and practical relevance.
The move toward more complete services also fits the way the company has been expanding its digital infrastructure. Each new feature adds to a system that must stay responsive as user demands grow more varied.
Big Data as the backbone of expansion
Behind the feature rollout, Bank Raya has also been reinforcing its technology foundation through Big Data Technology. The use of large-scale data helps the company improve service scalability while speeding up the launch of new products into the market.
That is significant for digital banking, where updates must arrive quickly and operate reliably. With Big Data, the bank can support a development model that is more adaptive and better prepared for ongoing changes in customer behavior.
The broader picture shows a strategy built on several layers at once: product innovation, stronger security, and a technology base that can support continuous growth. In that environment, Bank Raya’s more than 111 new features and its use of Big Data form the core of why the bank stood out at IDIA 2026.
Source: id.mashable.com-
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