mobile/SMS banking. BNI shows what can be achieved, both with its core system and surrounding technology to back up its mission statement, which is 'To be a bank all Indonesians can be proud of, leading in services and performance.' Despite its scale, it managed to roll out the core (called BNI iCONS within the bank – Integrated and Centralised Online System) in around one year and has shown a lot of innovation since then, building on a solid, centralised core.
