365
7463971820823369
Borneo8657191075376787117147177
Bulletin1055719107537678093123140153183
Yearbook12527191075305585105135165195222
202014877191075275480107
BIBD5677960373120180300420
drives10377960373100173227319420513
smart1599796037394240340413474
nation21227960373100200260314414514
goal26867960373100200300353
with30897960373146199259359
branchless34987960373100174274374467567620720814907
banking56711560373100200300400454554654
initiatives12701156037354154207267320421481534627727820
In567415601092060
this64741560109206282116
age779415601094080121
of915415601094066
digital996415601094060100119145187207
and1218415601094080121
cashless1354415601093577112153173213249285
economy,1654415601094077118159200261297313
Bank1982415601094587128163
Islam56742960109205575115176
Brunei762429601095177119159200220
Darussalam1002429601095596122163199235277296336397
(BIBD)141842960109267293138190208
as1646429601094681
the1747429601093173113
nation’s1880429601094687113134173214233265
largest56744360109206085127168204231
bank816443601094082122158
has992443601094081117
always1127443601094060121162198235
been1380443601094082123163
at1562443601094066
the1648443601092465106
forefront177444360109246590132158184226267293
in2087443601091958
digital567457601094060100119145187207
innovation,794457601093069110151187228254275315356375
being1189457601095092111151192
one1401457601095091131
of1552457601095076
the1648457601093577117
pioneering1785457601095070110151192233258279319360
banks567471601094082122158194
to781471601094889
envision8904716010964104140161196216256296
the1206471601094991131
future1357471601094990117158184225
of1602471601096389
the1711471601094990131
banking18624716010963105145181202242283
ecosystem567485601094076118154190227254295356
and942485601094081122
branchless1083485601094066108148184225245285321357
banking1460485601094081122157179218259
initiatives.173948560109205979105126166192213249290326347
Branchless567513601094571113153189230250290326362
banking,949513601095697138173194234275295
a12645136010956
concept1339513601095192133169210251278
which16375136010975117137172213
seemed1870513601095091132193234275
far-fetched56752760109256692114139180206243284324366
in952527601094888
the1060527601095394135
Sultanate12155276010973113133159201241282308350
back15845276010968110146181
then,1785527601095395135176196
has20015276010968108144
now567541601094081142
become729541601094384120162223263
a10125416010943
standard1075541601093864107147188229254296
and1390541601094384125
crucial1534541601093864106142162201221
component1775541601093879140180222263303344370
in567555601092060
financial646555601094868109149190226246286305
products971555601096894135176217253280317
and13085556010967108149
services14765556010963104130169190225266303
offerings.1798555601096894123163189210250291326347
Defined567569601095091113133173214255
as842569601096095
the957569601094486127
delivery11045696010959100120139175216241281
of1404569601096086
financial1510569601093959100141181217237277297
solutions1826569601095596116155182203243284319
outside567583601094081107144164204245
conventional8315836010993134175211252293319340380421461481
bank13325836010997139179215
branches,15675836010998123165206242282323359379
this19665836010983125144179
concept567597601093576117153195235262
allows8495976010981101120160221257
customers11265976010977117153180221281322348385
to15315976010966107
complete16585976010977118179219240280306347
all20255976010982101120
their567611601092567107127152
banking739611601094990131166188227268
needs1027611601094990131172208
without1264611601096081107149190230257
ever1541611601094985126152
having1712611601095091126148187228
to1960611601093475
go2055611601094990
to567625601092566
the653625601093274115
bank,787625601094889130165187
and994625601094788129
this114262560109337494129
is1291625601092762
made13806256010960101141182
possible1582625601094788124161180220240280
through1882625601093274100141181222263
technologies567639601092566103143184225245285326346385422
such1009639601095494131171
as1200639601096095
online,13156396010959100120139178219239
over1573639601096096137163
the1755639601094587127
phone,19026396010960101142182223243
through56765360109256792133174215255
point-of-sale8426536010989130150189216240282308332368409429469
systems,13316536010983120156183224285321340
and16916536010989129170
ATMs,18816536010998136208244264
among5676676010940100141182223
others.810667601094066107148174210231
With2287415601097596122163
Brunei24694156010978104145184224243
Darussalam’s27324156010983122146185220254293312351410429460
high3211415601097493132172
Internet3402415601095393118159184225265290
and37124156010973113153
mobile22874296010960100140159178217
penetration,2523429601095898138178204230271296316355395414
where29564296010978120160184225
9332004296010958100
per3319429601095898123
cent3461429601095393133159
of3639429601095883
the3741429601094384124
population2287443601094081121161180219244264303344
has2650443601094888123
Internet279244360109286893134158200240265
access3076443601094884119160196231
and3326443601094888128
833473443601094891
per3583443601094889113
cent3716443601094383123149
connecting2287457701093576116155195231258278317357
to2663457701092969
the2751457701092970110
Internet288045770109246389129154195235261
through316045770109297095135175215255
their3434457701092970110129153
phones,3606457701094484124164204240259
BIBD2287471701094565110161
believes24674717010971112131150189224264300
that2786471701095798138163
there2968471701095798138163203
are3190471701097297137
still3346471701096793113132150
plenty3515471701097191130170196234
of3768471701097297
opportunities2287485701094080120161186214255295314339359398433
that2739485701092565106131
remain2889485701092465125165184223
untapped.3130485701094080105147186227267308327
BIBD’s2287513701094566112163184216
branchless2523513701095884126167203244264304340377
banking29205137010958100140176197237278
initiative321851370109387898124145185212233269310
takes3548513701094385121162198
on3766513701095899
a22875277010940
whole-of-nation23475277010979121162182222249292318342384425451472512553
approach,2920527701095999141167208250286327347
allowing328752770109587897137199220260301
for3608527701094485111
the3739527701094385126
implementation2287541701092080121141181242283324351393419440480521
of282854170109104130
BIBD’s297854170109109130176227248280
state-of-the-art32785417010998125168194236263305331356381423463491533558587
digital2287555701094060100120146188208
technologies2515555701094788125166207248268308349369409446
in2980555701094282
industries3082555701094282123163199226253274314350
beyond34525557010962104140181222263
the3735555701094789130
banking2287569701094082122158180219260
sector,2567569701095293130157198224240
to2827569701094183
enable2930569701095697138178199239
the3189569701094183124
expansion3333569701095692134176217252272312353
of3706569701095683
a38095697010956
larger228758370109206086127168194
digital2501583701094060100120146188208
audience.2729583701094080121141181222258300320
This2287611701094082101135
amplification24346117010940100140160178198218254295320340379419
of2866611701094065
a29446117010940
wider2997611701096080120160184
customer3194611701093575110136176236276301
experience3508611701094075116157182202241281316357
provides2287625701094065106141162201241277
opportunities25836257010961101141182207235276316335360380419454
for3056625701094787112
all318762570109618098
mobile33046257010982122162181199239
users3562625701096196136161197
to3778625701094787
avail2287639701094075116135153
of2459639701097398
the2576639701095899139
technology2734639701095999135175215255274313354390
which31436397010994135154188228
will33916397010993113132150
promote3560639701097398139199239264305
mass22876537010960100135171
adoption24776537010964104143184209230269309
of2805653701096489
a29136537010964
robust2996653701094990130170204230
digital3245653701096483123142167208227
ecosystem34916537010964100140176212247273314374
in2287667701092059
Brunei2365667701095984125165205224
and2608667701095493134
enables2761667701095393134173193232267
increased3047667701093473109133174215250290330
de-cashing3397667701095393120156197232272291330370
of3786667701095479
the4006415701092566106
economy41314157010969104145185225285320
through4471415701095394119159199239279
secure,47694157010964104140180204245264
innovative5052415701094887127167203243269289324364
and54364157010968108148
documented4006429701094080116155215255295321361402
digital442642970109405998117142184203
payments.4647429701094081116177218258283319339
BIBD4006457701094567114166
has4193457701093981118
always4332457701093960122164201239
been4592457701093982124165
on4778457701094081
the4880457701092567109
frontier501045770109255295137164186227253
of5284457701093966
digital5371457701094060101122149192213
payment4006471701094083120183225267294
initiatives.4321471701094081102129151192219241278320357379
Back47214717010965109145182
in4924471701094081
2012,50264717010960104145183205
the5252471701094688130
bank54034717010960103145181
introduced400648570109206188116158200242279321364
the4391485701094385127
first453948570109385884122150
iteration4710485701093865107134177204226267309
of5040485701095784
their5145485701094386128149174
mobile53404857010978120162183203244
banking4006499701094083124161183224266
app4285499701094081123
and4421499701094082124
saw4557499701093578140
close471049970109355697134176
to4907499701091759
17,000497949970109407993135179223
downloads5214499701094082144188208249292334370
in4006513701092061
the4088513701093477119
first422751370109305076114142
six4390513701094565103
months.45135137010970112154181224260282
Offering4816513701095988118160186208249291
the5128513701093477119
ability5268513701094991112132152179219
to5508513701093476
instantly400652770109206197125169210237259296
transfer4323527701093866108150187214256283
funds4627527701093780122164200
and4848527701095394136
make50055277010973115151193
payments,5219527701095295132195237279306344365
the4006541701092568110
app4136541701094283125
recorded4282541701092669106149175218260302
over4605541701094178120147
30,0004773541701094184105148191235
transactions502954170109265497138175218254283304345387424
per5474541701094183110
month.40065557010960102144171214235
In4262555701093071
2013,4354555701095093134173194
BIBD4569555701095476123175
introduced476555570109307098125168210251289331373
a51595557010950
first522955570109305076114142
of5392555701095077
its549055570109295694
kind400656970109355798140
mobile41675697010986128170191211252
payment44405697010966109146209251292320
service47815697010961103130170192228271
called50735697010961103124144185227
eTunai,53215697010966103139180222243263
enabling4006583701094082124165186206247289
customers4316583701093577113141183245287314352
to4688583701092568
make47765837010960103139180
payments4977583701094083120183225267294332
directly533058370109406187129167195217254
through400659770109256894137178220262
the4289597701092972114
app,4424597701094486128148
either459359770109456693135177204
from481859770109295799161
their5000597701093073114135161
accounts5182597701094481119161203245272310
or5513597701094471
by4006611701094078
using4104611701096399120161203
accumulated4328611701096299137178240281302343370413455
BIBD’s4804611701096789136188210243
reward5068611701094790152194221264
points53526117010963105126167194232
known4006625801093578120182226
as4252625801095591
Hadiah43646258010965107149169210252
Points,4637625801095497117158185223244
simply4902625801095071131173195232
by5155625801095492
scanning5268625801094987130171213233274316
a40066398010940
QR40676398010957106
code4194639801094284127168
placed4383639801094769110147189231
on4635639801094889
merchant47536398010960101128166208250291319
counters.5093639801094284126167195237264301323
This5437639801094791111147
service4006653801093577104144166203245
has4272653801094486122
evolved4415653801094481123144181224266
over4702653801094481123149
the4872653801092972114
years5007653801093880123149187
to5215653801092971
be5307653801094486
BIBD5414653801094971118170
QuickPay.4006667801095093114150187230273310328