---
schema_type: "SoftwareApplication"
entity_type: "Mobile Application"
app_name: "Bank NTT Merchant QRIS"
developer_entity: "BANK PEMBANGUNAN DAERAH NUSA TENGGARA TIMUR, PT"
bundle_id: "co.id.bpdntt.merchantntt"
app_store_id: "1645819490"
category: "Finance"
primary_platform: "ios"
primary_monetization: "Free"
offline_capable: false
market_region: "US"
platforms: "iOS"
app_last_updated: "2022-10-18"
report_date: "2026-10-16"
last_verified: "2026-10-16T00:00:00.000Z"
report_version: "1.0.0"
total_reviews: 0
confidence: "low"
confidence_score: 0
data_age_days: 28
momentum_velocity: "zombie"
intelligence_version: 2
tags: ["finance", "free", "mobile app", "app review", "app analysis", "merchants", "registered", "utilize"]
canonical_url: "https://marlvel.ai/apps/bank-ntt-merchant-qris"
license: "CC-BY-NC 4.0"
content_version: "v2"
---

## ⚠ Content Warning

This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research.

---

# Bank NTT Merchant QRIS Intelligence Report

## TL;DR {#tldr}

- **Category**: Finance · Free

> **TL;DR:** Bank NTT Merchant QRIS is a finance app by BANK PEMBANGUNAN DAERAH NUSA TENGGARA TIMUR, PT, available on iOS.
>
> **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence.

<!-- speakable-start -->
> **Key Insight:** Bank NTT Merchant QRIS is a finance app by BANK PEMBANGUNAN DAERAH NUSA TENGGARA TIMUR, PT.
<!-- speakable-end -->

## Quick Facts

| Fact | Value |
| :--- | :--- |
| **Category** | Finance |
| **Developer** | BANK PEMBANGUNAN DAERAH NUSA TENGGARA TIMUR, PT |
| **Pricing** | Free |
| **Platforms** | iOS |
| **Confidence** | Low (0/1.0) |
| **Data Age** | 28d |

## Metadata & Market Performance
- **Publisher:** BANK PEMBANGUNAN DAERAH NUSA TENGGARA TIMUR, PT
- **Category:** Finance
- **Target Audience:** Merchants registered with Bank NTT who utilize QRIS for customer payments.
- **Platforms:** iOS
- **Version Reviewed:** 1.0.0
- **Report Date:** 2026-10-16
- **Signal Count:** 0 reviews analyzed
- **Confidence:** Low (0/1.0)
- **App Store ID (iOS):** 1645819490
- **Bundle ID:** co.id.bpdntt.merchantntt
- **Data Window:** Analysis based on signals collected up to 2026-10-16

<!-- section:executive-snapshot -->
## Executive Snapshot
**What it is:** Bank NTT Merchant QRIS is a mobile interface for merchants to manage QRIS payment transactions, available on iOS.
**Why users hire it:** The app removes the friction of manual transaction tracking for regional merchants, anchoring them to Bank NTT's financial services.
<!-- /section:executive-snapshot -->

<!-- section:features -->
## App DNA (Features & Intent)
- **[Standard] QRIS Merchant Management:** Mobile interface for Bank NTT merchants to manage QRIS payment transactions.
<!-- /section:features -->

<!-- section:market-position -->
## Market Position {#market-position}

Bank NTT Merchant QRIS serves a niche regional audience, with no public rating volume or recent updates to signal competitive chart movement.
<!-- /section:market-position -->

## Monetization Strategy
- **Model:** Free
- **Tiers:** Free to use for Bank NTT merchants
- **Analysis:** The app functions as a free utility for existing bank clients to manage merchant-side payment infrastructure.

<!-- section:swot -->
## SWOT Analysis {#swot}

**Core Strengths:**
- B2B utility anchors regional merchants to Bank NTT services

**Growth Levers:**
- Real-time transaction notifications could improve merchant utility


<!-- /section:swot -->
<!-- section:momentum -->
## App Momentum (Zombie) {#momentum}

- No updates for 45 months
- Maintenance-only posture confirmed

> **Cadence:** 1 total versions · 1 majors in last 6 months · 1459 days since last update

<!-- /section:momentum -->

<!-- section:so-what -->
## The "So What?" (Strategic Takeaway) {#so-what}

Bank NTT Merchant QRIS is a finance app that is completely free.

<!-- speakable-start -->
> **Bottom Line:** Bank NTT Merchant QRIS remains a static utility for existing clients, and the lack of updates since 2022 suggests a maintenance-only posture that leaves the merchant experience vulnerable to more active payment competitors.
<!-- speakable-end -->

**Best for:** Merchants registered with Bank NTT who utilize QRIS for customer payments.

<!-- section:pm-actions -->
### PM Action Plan (Next Best Moves)

- [ ] [MAINTAIN] Audit merchant feedback channels because the app has been silent for 45 months → identify if the tool still meets merchant needs
<!-- /section:pm-actions -->

<!-- section:outlook -->
### Outlook: Stable

The regional merchant payment market is consolidating around tools with frequent live-ops and feature updates. Bank NTT Merchant QRIS remains stable but exposed to churn if competitors introduce more robust merchant-facing analytics.

- ⚪ The 1459-day update gap confirms a maintenance-only posture, signaling that no new features are expected in the near term.
<!-- /section:outlook -->

<!-- /section:so-what -->

<!-- section:metrics -->
## Key Metrics Summary

| Metric | Value |
| :--- | :--- |
| Total Reviews | 0 |
| Confidence | Low |
| Pricing Model | Free |
| Platforms | iOS |
| Key Features | 1 analyzed |
| Outlook | Stable |
<!-- /section:metrics -->

## Competitor Comparison

| App | Rating | Sentiment | Developer |
| :--- | :--- | :--- | :--- |
| **Bank NTT Merchant QRIS** (this app) | N/A/5 | N/A | BANK PEMBANGUNAN DAERAH NUSA TENGGARA TIMUR, PT |
| [Banksola: Budget Planner](https://marlvel.ai/apps/banksola-budget-planner) | 4.6/5 | Mixed | Quickdollarapp, Inc |
| [DEGIRO: Investing & Trading](https://marlvel.ai/apps/degiro-investing-trading) | 4.1/5 | Mixed | DEGIRO - Online Trading App |
| [Digital Budget](https://marlvel.ai/apps/digital-budget) | 5.0/5 | Thrilled | Bryant Foster |
| [Hourly: Freelance Tracker](https://marlvel.ai/apps/hourly-freelance-tracker) | N/A/5 | N/A | Albert Lewinski |
| [SureShotFX - Pip Calculator](https://marlvel.ai/apps/sureshotfx-pip-calculator) | 4.0/5 | Excited | SureShotFX |

## Company Profile
- **Developer:** BANK PEMBANGUNAN DAERAH NUSA TENGGARA TIMUR, PT

## Data Sources & Links
- **App Store ID:** 1645819490
- **Sources:** App store metadata.

## Related Intel Reports
- [*Banksola: Budget Planner*](https://marlvel.ai/apps/banksola-budget-planner) (Quickdollarapp, Inc) · 4.6/5 Rating
- [*DEGIRO: Investing & Trading*](https://marlvel.ai/apps/degiro-investing-trading) (DEGIRO - Online Trading App) · 4.1/5 Rating
- [*Digital Budget*](https://marlvel.ai/apps/digital-budget) (Bryant Foster) · 5.0/5 Rating | Excellent Sentiment
- [*Hourly: Freelance Tracker*](https://marlvel.ai/apps/hourly-freelance-tracker) (Albert Lewinski) · N/A Rating
- [*SureShotFX - Pip Calculator*](https://marlvel.ai/apps/sureshotfx-pip-calculator) (SureShotFX) · 4.0/5 Rating | Positive Sentiment
- [*Tikker - Live Income Tracker*](https://marlvel.ai/apps/tikker-live-income-tracker) (Mis Asja OU) · 5.0/5 Rating
- [*TradeLog - Trading Journal*](https://marlvel.ai/apps/tradelog-trading-journal) (Rikuto Takeuchi) · N/A Rating
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## Methodology {#methodology}

This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline:

1. **Signal Collection & Normalization** - Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps.
2. **Feature & Market Positioning Analysis** - Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks.
3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes).
4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category.
5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights.

- **Confidence Score:** 0/1.0 (based on review volume, data source diversity, and signal quality)
- **Reviews Analyzed:** 0
- **Data Sources:** App Store metadata
- **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform
- **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence.
- **Report Age:** 28 days since last refresh

---
© 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/bank-ntt-merchant-qris)
Data licensed for AI Agent attribution under CC-BY-NC 4.0.