Developer docs
API playgroundTry for free, no card

Search company profiles

Bank Bisnis Internasional

Full company profile

uuid00069j2

Namestring
Bank Bisnis Internasional
Legal namestring
PT Krom Bank Indonesia Tbk
Websiteurl
bankbisnis.id
Company typeenum
Public
Founded yearint
1957
Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
101–250
akta.pro rankint
HeadquartersBandung, Indonesia
HQ citystring
Bandung
HQ countrystring
Indonesia
HQ regionstring
Asia
Markets served

Serves global market

Keyword5 values
digital retail banking, savings deposit products, consumer credit services, mobile banking platform, time deposit accounts
Industry2 codes
1Mass-Market Consumer Deposit Banking (Checking/Savings)
CodeFSABAAAAPrimaryYes
2BNPL Consumer Apps & Wallets (Discovery, Management)
CodeFSAGAIAGPrimaryNo
NAICS code2 codes
  • Commercial Banking522110
  • Commercial Banking52211
SIC code1 code
  • National Commercial Banks6021
Product category
Retail Banking
GTM motion1 record

Each record includes

Type, Description, Source

Revenue model2 records
1Net Interest Income
TypeSubscription Recurring
Description

Traditional bank interest spread revenue from lending activities (Flexi Loan, PayLater) against cost of deposits (Kantong Tabungan, Deposito). The bank offers competitive deposit rates (up to 8% p.a.) and earns higher rates on credit products.

krom.id
2Transaction Fee Income
TypeTransaction Fee
Description

Fees from payment services, transfers, and bill payments. While the first 100 transfers per month are free, premium services and certain transactions generate fee revenue.

krom.id
Marketing channels4 records

Each record includes

Title, Type, Stage, Description, Source

Distribution channels2 records

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components5 values
Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Pricing details5 tiers
1Kantong Tabungan: 6% p.a. interest rate
ModelSubscriptionBilling cadenceMonthly
Notes

Savings account with 6% annual interest. No monthly admin fees. Balance protected by LPS up to Rp2,000,000,000 per customer per bank.

krom.id
2Krom Flex Deposits: Up to 7.50% p.a.
ModelSubscriptionBilling cadenceMonthly
Notes

Flexible time deposit with early withdrawal without penalty. Can create up to 20 deposits.

krom.id
3Krom Max Deposits: Up to 8.00% p.a.
ModelSubscriptionBilling cadenceMonthly
Notes

Long-term deposit with maximum interest rates. Suitable for long-term financial planning.

krom.id
4Free Transfer Benefits: 100x per month
ModelFreemiumBilling cadenceMonthly
Notes

Free online transfers to other banks up to 100 times per month. Additional transfers may incur fees.

krom.id
5Zero Monthly Admin Fee
ModelFreemiumBilling cadenceMonthly
Notes

No monthly service fees charged to customers.

krom.id
GTM typeB2C
B2C
Offering typeServices
Services
Brand1 of 7 records shown
1Krom Flex
Description

A flexible deposit product that can be withdrawn anytime without penalty, offering interest rates up to 7.50% per year. Users can create up to 20 Krom Flex deposits.

krom.id
+6 more records
Core offering1 text field

Bank Bisnis Internasional, operating commercially as Krom Bank Indonesia (PT Krom Bank Indonesia Tbk), is a digital-only Indonesian commercial bank that delivers retail savings, time deposits, and consumer credit products through a proprietary mobile application. Its portfolio includes a main savings account (Tabungan Utama), goal-based savings pockets (Kantong Tabungan at 6% p.a.), flexible and long-term time deposits (Krom Flex up to 7.50% p.a. and Krom Max up to 8.00% p.a.), and credit services covering cash loans (Flexi Loan) and buy-now-pay-later (PayLater). The bank is licensed by OJK, supervised by Bank Indonesia, and operates as an LPS deposit insurance participant with no physical branches.

Differentiator
Functional benefit
Problem solved
Product overview1 text field

Krom Bank Indonesia operates as a digital banking platform (mobile app-based) offering a unified suite of savings and credit products. The core portfolio includes Tabungan Utama (main savings account), Kantong Tabungan (up to 19 allocatable savings pockets earning 6% interest), Krom Flex (flexible deposit up to 7.50%), Krom Max (long-term deposit up to 8.00%), and Krom Kredit (PayLater and Flexi Loan credit services). Supporting features include money transfers (100 free monthly), top-up & bill payments, QRIS payments, Money Journey personal finance management, interest rate comparison, asset summaries, e-statements, and transaction history. The platform is built as a single mobile application serving retail banking needs.

Product and service1 record
1Tabungan Utama (Main Savings)
Scale indicator1 record

Each record includes

Type, Value, Description, Source

Recent move5 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight4 records

Each record includes

Type, Description

Peers10 records
1Blu by BCA Digital
TypeDirect peer
Description

Digital bank subsidiary of Indonesia's largest private bank (BCA). Offers mobile-first deposits, savings pockets, and payments with similar UX-led positioning to Krom.

2SeaBank Indonesia
TypeDirect peer
Description

Backed by Sea Group/Shopee, SeaBank is a fast-growing Indonesian digital bank offering high-yield deposits and ecosystem-integrated payments—directly comparable to Krom's deposit-rate-led acquisition strategy.

3Bank Central Asia (BCA)
TypeBroad incumbent
Description

Indonesia's largest privately owned commercial bank and parent of Blu. While a full-service incumbent, BCA sets the benchmark for digital UX and deposit pricing that Krom must compete against.

4Bank Jago
TypeDirect peer
Description

Indonesian publicly listed digital bank (ARTO on IDX) backed by GoTo. Operates a mobile-first deposit and lending platform directly competing with Krom for the same digital-native retail customer base in Indonesia.

5Kakao Bank
TypeRegional player
Description

Leading Korean mobile-only digital bank with deposit and lending products. Comparable as a regional reference for the digital-bank business model and unit economics Krom is pursuing, though operating in Korea.

6Bank Aladin Syariah
TypeDirect peer
Description

Indonesian publicly listed digital bank focused on mobile-first sharia-compliant deposits and savings. Competes in the same mass-market digital savings segment as Krom.

7Allo Bank Indonesia
TypeDirect peer
Description

Indonesian digital bank with ecosystem partnerships (CT Corp, Telkom) providing mobile deposits and payments. Competes with Krom in the same digital savings category.

8line Bank (Hana Bank Indonesia)
TypeDirect peer
Description

Digital bank joint venture involving Hana Bank and LINE messaging ecosystem in Indonesia. Offers mobile-first deposits and lifestyle-integrated banking features targeting similar Gen Z/millennial customers.

9Bank Neo Commerce (BBYB)
TypeDirect peer
Description

Indonesian publicly listed digital bank (formerly Bank Yudha Bhakti) offering a mobile app with savings, deposits, and lending products comparable to Krom's portfolio.

10Jenius (BTPN)
TypeDirect peer
Description

Digital banking service from Bank Tabungan Pensiunan Nasional (now SMBC Indonesia). Competes in mobile-first retail deposits and savings tools within the same Indonesian market.

Market position
Strengths4 records

Each record includes

Headline, Details, Source

Weaknesses4 records

Each record includes

Headline, Details, Source

Competitive moat4 records

Each record includes

Type, Details

Key risks6 records

Each record includes

Headline, Details, Source

Key highlights6 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Segment1 record

Each record includes

Title, Type, Primary, Description, Pain point addressed, Use case, Source

Ideal customer profile1 record

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
No
API detail
Has APIbool
No

Docs URL, Description

AI maturity
App detail

Has app

Feature7 records

Each record includes

Title, Differentiator, Description, Source

Core technology
Revenue estimate
Valuation estimate
Number of profiles
No data
Compliance3 records

Each record includes

Name, Class, Description

Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds1 record

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors8 records

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Bank Bisnis Internasional

Retail Bankingbankbisnis.id

Bank Bisnis Internasional firmographics

Firmographics
Name
Bank Bisnis Internasional
Legal name
PT Krom Bank Indonesia Tbk
Website
https://bankbisnis.id
Company type
Public
Founded year
1957
Operating status
Operating
Headcount range
101–250 employees
Ownership category
akta.pro rank

Bank Bisnis Internasional industry classification

Industry
Product category
Retail Banking
NAICS
Commercial Banking (522110), Commercial Banking (52211)
SIC
National Commercial Banks (6021)
akta.pro primary industry
Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
akta.pro secondary industry
BNPL Consumer Apps & Wallets (Discovery, Management) (FSAGAIAG)

Keywords

  • Digital retail banking
  • Savings deposit products
  • Consumer credit services
  • Mobile banking platform
  • Time deposit accounts

Where Bank Bisnis Internasional is headquartered

Location

Headquarters

HQ city
Bandung
HQ country
Indonesia
HQ region
Asia

Markets served

Bank Bisnis Internasional business model

Business model
GTM type
B2C
Offering type
Services
Cost components
Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

  1. Net Interest Income: Traditional bank interest spread revenue from lending activities (Flexi Loan, PayLater) against cost of deposits (Kantong Tabungan, Deposito). The bank offers competitive deposit rates (up to 8% p.a.) and earns higher rates on credit products.
  2. Transaction Fee Income: Fees from payment services, transfers, and bill payments. While the first 100 transfers per month are free, premium services and certain transactions generate fee revenue.

Pricing tiers

ModelBillingPrice
SubscriptionMonthlyKantong Tabungan: 6% p.a. interest rate
SubscriptionMonthlyKrom Flex Deposits: Up to 7.50% p.a.
SubscriptionMonthlyKrom Max Deposits: Up to 8.00% p.a.
FreemiumMonthlyFree Transfer Benefits: 100x per month
FreemiumMonthlyZero Monthly Admin Fee

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Bank Bisnis Internasional product offering

Product offering

Core offering

Bank Bisnis Internasional, operating commercially as Krom Bank Indonesia (PT Krom Bank Indonesia Tbk), is a digital-only Indonesian commercial bank that delivers retail savings, time deposits, and consumer credit products through a proprietary mobile application. Its portfolio includes a main savings account (Tabungan Utama), goal-based savings pockets (Kantong Tabungan at 6% p.a.), flexible and long-term time deposits (Krom Flex up to 7.50% p.a. and Krom Max up to 8.00% p.a.), and credit services covering cash loans (Flexi Loan) and buy-now-pay-later (PayLater). The bank is licensed by OJK, supervised by Bank Indonesia, and operates as an LPS deposit insurance participant with no physical branches.

Product overview

Krom Bank Indonesia operates as a digital banking platform (mobile app-based) offering a unified suite of savings and credit products. The core portfolio includes Tabungan Utama (main savings account), Kantong Tabungan (up to 19 allocatable savings pockets earning 6% interest), Krom Flex (flexible deposit up to 7.50%), Krom Max (long-term deposit up to 8.00%), and Krom Kredit (PayLater and Flexi Loan credit services). Supporting features include money transfers (100 free monthly), top-up & bill payments, QRIS payments, Money Journey personal finance management, interest rate comparison, asset summaries, e-statements, and transaction history. The platform is built as a single mobile application serving retail banking needs.

Differentiator

Problem solved

Functional benefit

Brands

  • Krom Flex: A flexible deposit product that can be withdrawn anytime without penalty, offering interest rates up to 7.50% per year. Users can create up to 20 Krom Flex deposits.
  • Krom Max
  • Krom Kredit
  • Flexi Loan
  • PayLater
  • Kantong Tabungan
  • Money Journey

Products and services

  • Tabungan Utama (Main Savings)

Companies that use Bank Bisnis Internasional

Customer profile

Segments1 record

Ideal customer profiles1 record

Bank Bisnis Internasional technology and API

Technology

Technology focussed No

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

Feature7 records

Bank Bisnis Internasional partnerships and signals

Strategic signal

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Bank Bisnis Internasional competitors and assessment

Company assessment

Direct peers

  • Blu by BCA Digital: Digital bank subsidiary of Indonesia's largest private bank (BCA). Offers mobile-first deposits, savings pockets, and payments with similar UX-led positioning to Krom.
  • SeaBank Indonesia: Backed by Sea Group/Shopee, SeaBank is a fast-growing Indonesian digital bank offering high-yield deposits and ecosystem-integrated payments—directly comparable to Krom's deposit-rate-led acquisition strategy.
  • Bank Jago: Indonesian publicly listed digital bank (ARTO on IDX) backed by GoTo. Operates a mobile-first deposit and lending platform directly competing with Krom for the same digital-native retail customer base in Indonesia.
  • Bank Aladin Syariah: Indonesian publicly listed digital bank focused on mobile-first sharia-compliant deposits and savings. Competes in the same mass-market digital savings segment as Krom.
  • Allo Bank Indonesia: Indonesian digital bank with ecosystem partnerships (CT Corp, Telkom) providing mobile deposits and payments. Competes with Krom in the same digital savings category.
  • line Bank (Hana Bank Indonesia): Digital bank joint venture involving Hana Bank and LINE messaging ecosystem in Indonesia. Offers mobile-first deposits and lifestyle-integrated banking features targeting similar Gen Z/millennial customers.
  • Bank Neo Commerce (BBYB): Indonesian publicly listed digital bank (formerly Bank Yudha Bhakti) offering a mobile app with savings, deposits, and lending products comparable to Krom's portfolio.
  • Jenius (BTPN): Digital banking service from Bank Tabungan Pensiunan Nasional (now SMBC Indonesia). Competes in mobile-first retail deposits and savings tools within the same Indonesian market.

Broad incumbents

  • Bank Central Asia (BCA): Indonesia's largest privately owned commercial bank and parent of Blu. While a full-service incumbent, BCA sets the benchmark for digital UX and deposit pricing that Krom must compete against.

Regional players

  • Kakao Bank: Leading Korean mobile-only digital bank with deposit and lending products. Comparable as a regional reference for the digital-bank business model and unit economics Krom is pursuing, though operating in Korea.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Bank Bisnis Internasional social profiles

Digital presence

Bank Bisnis Internasional compliance and trust

Trust signal

Compliance3 records

Bank Bisnis Internasional financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Bank Bisnis Internasional leadership team

Management profile

Number of profiles

Bank Bisnis Internasional funding detail

Funding detail

Funding overview

Funding rounds1 record

Investors8 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Bank Bisnis Internasional M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bank Bisnis Internasional

What does Bank Bisnis Internasional do?

Bank Bisnis Internasional, operating commercially as Krom Bank Indonesia (PT Krom Bank Indonesia Tbk), is a digital-only Indonesian commercial bank that delivers retail savings, time deposits, and consumer credit products through a proprietary mobile application. Its portfolio includes a main savings account (Tabungan Utama), goal-based savings pockets (Kantong Tabungan at 6% p.a.), flexible and long-term time deposits (Krom Flex up to 7.50% p.a. and Krom Max up to 8.00% p.a.), and credit services covering cash loans (Flexi Loan) and buy-now-pay-later (PayLater). The bank is licensed by OJK, supervised by Bank Indonesia, and operates as an LPS deposit insurance participant with no physical branches.

Is Bank Bisnis Internasional a public or private company?

Bank Bisnis Internasional is a public company. It is classified as public and is currently operating.

When was Bank Bisnis Internasional founded?

Bank Bisnis Internasional was founded in 1957. It employs 101 to 250 people.

Where is Bank Bisnis Internasional based?

Bank Bisnis Internasional is headquartered in Bandung, Indonesia, in the Asia region.

How does Bank Bisnis Internasional make money?

Two revenue lines are on record. Net Interest Income is the primary driver. The others are transaction Fee Income.

Who are Bank Bisnis Internasional's main competitors?

Direct peers on record are Blu by BCA Digital, SeaBank Indonesia, Bank Jago, Bank Aladin Syariah, Allo Bank Indonesia, line Bank (Hana Bank Indonesia), Bank Neo Commerce (BBYB) and Jenius (BTPN). Bank Central Asia (BCA) is listed as a broad incumbent. Kakao Bank is listed as a regional player.

Does Bank Bisnis Internasional have an API?

No public API is recorded for Bank Bisnis Internasional.

What industry is Bank Bisnis Internasional in?

Bank Bisnis Internasional's product category is Retail Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSAGAIAG, BNPL Consumer Apps & Wallets (Discovery, Management). Its NAICS code is 522110 and its SIC code is 6021.

Unlock the full company data

50 free credits on sign-up, no credit card required.

Contact sales
Live signals
CrowdFund InsiderFintech FinAccel, Parent Firm of Kredivo, Acquires Majority Ownership of Bank BisnisFintech company FinAccel has acquired a 75% majority stake in PT Bank Bisnis Internasional Tbk, completing the transaction after obtaining all necessary regulatory approvals from Indonesia’s Financial Services Authority. This acquisition marks a strategic expansion for FinAccel, allowing it to offer digital banking services alongside its existing buy-now-pay-later products like Kredivo. The Suriadi family, previously the majority owners, will retain a significant minority stake in the bank.KredivocorpFinAccel, Parent of Kredivo, Acquires the Majority Ownership of Bank Bisnis, Planning an Entry into Digital BankingPT FinAccel Teknologi Indonesia, the parent company of Kredivo, has acquired a 75% majority stake in PT Bank Bisnis Internasional, Tbk. This transaction marks the first instance of a pure-play fintech firm acquiring a controlling interest in an Indonesian bank and aims to facilitate FinAccel's expansion into digital banking services. The acquisition has received all necessary regulatory approvals from Indonesia’s Financial Services Authority (OJK) and is scheduled for completion by the end of the week.IFTTTIndonesia’s FinAccel acquires 24% of shares of a publicly listed bank for $38mFinAccel, the parent company of BNPL service Kredivo, acquired a 24% stake in publicly listed Bank Bisnis Indonesia for approximately US$38 million. This transaction makes FinAccel the bank's second-largest shareholder and aligns with a broader trend of tech firms acquiring stakes in Indonesian financial institutions to establish digital banking operations.