Bridging Digital Islands from Jungles to Jenius with Mobile Banking
Customer Company Size
Large Corporate
Region
- Asia
Country
- Indonesia
Product
- webMethods Integration
Tech Stack
- Mobile Banking
- Application Integration
Implementation Scale
- Enterprise-wide Deployment
Impact Metrics
- Customer Satisfaction
- Cost Savings
Technology Category
- Application Infrastructure & Middleware - API Integration & Management
Applicable Industries
- Finance & Insurance
Applicable Functions
- Business Operation
Use Cases
- Remote Asset Management
- Digital Twin
Services
- System Integration
About The Customer
PT Bank Tabungan Pensiunan Nasional Tbk (BTPN) is a leading bank in Indonesia. Its efforts to bring banking to the masses—whether fishermen working off the coasts of the country’s 17,000 islands or striving millennials running digital startups in Jakarta—have won it countless accolades. Fortune magazine named it one of the top 50 companies changing the world, and The Asian Banker recently gave BTPN a Technology Innovation Award for its mobile banking projects.
The Challenge
BTPN, a leading bank in Indonesia, faced a complex challenge: How to connect everyone from farmers to millennial digital natives across thousands of islands, while also ensuring its legacy core banking system doesn’t grind to a halt. The bank needed to transition to a new role as a transactional bank, achieve deeper market penetration, and release two stunning mobile banking services in Wow! and Jenius. The bank also faced challenges such as a geography encompassing 17,000 islands, rapid growth in millennial market dominance, diverse socioeconomic populations, exponential increase in mobile access, disparate back-end systems, and high costs of maintaining bank branches.
The Solution
BTPN worked with Software AG and webMethods Integration to undergo a total digital transformation—putting mobile front and center while bolstering its backend by integrating a host of previously disparate systems. The first step was to use webMethods Integration to process and connect all intra-bank transfers. This reduced error rates, improved regulatory compliance, and gave BTPN the power to offer new services like bill-pay via Internet banking. This let the bank pivot towards transaction-based business while simultaneously bolstering its bread-and-butter pension distribution services. Its back-end is now under control, even grander aspirations came into view. And in March 2015, BTPN launched Wow!—a mobile banking platform able to run on legacy cellphones via Unstructured Supplementary Service Data (USSD).
Operational Impact
Quantitative Benefit
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