BNI API Opening Account (RDL, RDN, & RDF) Qorus-Infosys Finacle Banking Innovation Awards 2025

The Open Account API is a digital onboarding solution designed to streamline the opening of special-purpose bank accounts, such as Investor Fund Accounts (RDN) for securities trading, Lender Fund Accounts (RDL) for P2P lending platforms, and Fintech Fund Accounts (RDF). Built for regulated partners including investment platforms, P2P lenders, and fintech companies, this API allows end-users to open accounts directly within partner applications. This eliminates the need to visit a physical bank branch, creating a smoother, faster, and fully digital onboarding experience for customers.

A key feature of the API is its direct integration with Dukcapil, Indonesia’s national population and civil registration database, which enables real-time identity verification. This connection ensures a secure, compliant, and accurate customer verification process, significantly reducing the risk of fraud while improving the quality of customer data. By embedding account creation and verification directly into the partner’s digital onboarding flow, the bank supports faster time-to-market for its partners and helps drive higher user acquisition and conversion rates.

Ultimately, the Open Account API is more than a technology solution; it is a strategic pillar in the bank’s digital transformation. It facilitates a fully integrated embedded banking experience by automating fund disbursements and transaction flows, enhancing the digital ecosystem of each partner. This fosters scalable collaboration, improves operational efficiency, and creates greater value across the digital financial landscape.