Ocean by BCA, Ecosystem for end-to-end Business Solution Qorus-Infosys Finacle Banking Innovation Awards 2025

Based on data from Bisnis Indonesia, in 2021, there’s over than 849k businesses ranging from big to small business in Indonesia where BCA as a bank has adopted 43% from the market as our customer. As the best bank in Indonesia 2025 (based on Forbes), to maintain and increase our business customers, we learned that to do business there’s so much more to think about other than revenue and financial things. Most businesses failed in managing other aspects in business such as, poor management, unexpected growth, inadequate experience, and even because of not asking for help. Therefore, Ocean by BCA presents its connectivity to multiple business services to provide customer with support to elevate business. Furthermore, each business has a different persona and requirement where in most cases, one solution cannot solve all problems, but with Ocean we connect all solutions in one. Ocean by BCA was developed by listening to the pain points and needs from each business. Complimented with 3 main pillars, where we enable digital experiences for several activities to give customers a seamless experience on customer's business process, newly redesigned cash management for customer transaction, and Ocean Ecosystem where we recommend guaranteed products to help businesses finds products related to every business aspect. Other than that, Ocean by BCA also provides business dashboard, product recommendations, and market insights to support business on making decision easily.

Therefore, with Ocean by BCA, we provide all business needs that can be accessed easily. Starting from selecting suitable products, handling transactions easily with our advanced cash management, myBCA Bisnis , and utilizing other business aspects such as managing human resources, insurance, tax, invoices, procurement, and more value-added services to be launched that are directly connected with BCA financial services. This would be an innovation for an all-in-one business solution.