2022 Winner – LINE Bank by Hana Excels at mobile banking – Retail Banker International Asia Trailblazer Awards



PT KEB Hana Bank in partnership with LINE Financial has launched LINE Bank, which is a co-operative initiative in Indonesia bringing together the community already established by the popular messaging app with the banking expertise of Hana. The new mobile banking app offers easy transfers via QR codes, a card, seamless on-boarding and integrated services. Aimed at young tech-savvy customers it won Excellence in Mobile Banking at the Retail Banker International (RBI) Asia-Pacific (APAC) Awards 2022.

LINE Bank by Hana, unveiled in mid-2021, comes with an easy digital on-boarding procedure and a first-in-the market LINE Friends branded debit card with picture add-on personalization capabilities, plus an easy and convenient user interface (UI) to make management easy. The offering comes with multiple features, such as:

  • Instant notification through LINE messages,
  • Free fees,
  • Ease of various bill payments via the LINE Bank

There is also a smart spending loyalty and rewards function with multiple debit card promotions, such as:

  • Shop at Indomaret & enjoy cashback of IDR30,000 Indonesian Rupiahs (US$2.05). Ditto at the Alfamidi chain.
  • FamilyMart is offering IDR 20,000 (US$1.37) and a QR payment code promotion of IDR 10,000 (US$0.68) cashback when this function is utilized.
  • The GrabCar / GrabBike promotion offers an IDR 15,000 (US$1.03) discount with LINE Bank. This offer aligns with the mobile bank’s aim to be a lifestyle app that can fund and manage all of its users’ entertainment, financial, and other needs from one simple easy-to-use app.

The bank itself offers free debit card delivery fees for the Sumatra and Bali regions, and:

  • New User Promotion: Open a LINE Bank account and users get cashback up to IDR100,000 (US$6.84).
  • Time Deposit Promotion: Open a LINE Bank time deposit account and get cashback of IDR25,000 (US$1.71).

The launch of Quick Response Code Indonesian Standard (QRIS) features in late Q4 2021 led to significant growth at LINE Bank as the national QR code can facilitate digital payments via a mobile scan and is very popular, equating to a doubling of the customer base within seven months.

Electronic e-commerce monthly transaction spending volumes have also increased by 2.7 times. The mobile bank is looking forward to growing these figures in future years.