Abstract

The development of digital technology has brought about significant changes in the banking industry, including the way banks interact with their customers. Bank Rakyat Indonesia (BRI) is one of the banks actively innovating through its digital banking services, one of which is BRImo mobile banking, which is expected to simplify transactions and improve the company's financial performance. This study aims to examine the extent to which BRImo usage impacts increased profits and fee-based income at one BRI branch. This study uses quantitative methods as the primary approach, using financial report data and BRImo usage data over a specific period. This data is analyzed to identify the relationship between application usage levels and branch financial results and to link it with previous studies to determine how BRImo can add value to the bank. The results are expected to illustrate that digital innovations such as BRImo not only enhance customer convenience but also serve as an effective business strategy in facing competition in the digital economy era.