Integration is Central to BTPN’s Digital Banking Transformation

According to the Asian Development Bank 78% of the Indonesian population, or about around 199 million people, remain unbanked, making Indonesia one of the largest unbanked countries in Asia. To address this issue, 84% of Indonesia banks are likely to invest in technology transformation over the next 18 months, and most banks directing their technology investment towards mobile banking, with almost half saying this was the number one priority, according to a survey by PwC.

The PwC report, Indonesia Banking Survey 2017, revealed that what makes Indonesia attractive [compared to other markets in Southeast Asia] to bankers are the longer-term upside potential of a large market with low penetration. But in the meantime, high margins make for attractive, profitable banking.

With technology recognized as driving digital transformation of the banking industry, organizations like Indonesia’s PT Bank Tabungan Pensiunan Nasional Tbk (BTPN) are upping their technology investments to accelerate its digital transformation to leverage on the mobile revolution and cater to the country’s broad base of customers across diverse socioeconomic populations.

Given the growing demand for its bank services, BTPN had to revamp its IT infrastructure to support key processes, real-time intra-bank transactions and its internet and mobile banking functionality.

Software AG webMethods has helped BTPN bridge back-end processes, departments and customers, setting the momentum for BTPN’s transition to becoming a transactional bank in the mobile era. The integration platform currently powers two of BTPN’s mobile banking services: BTPN Wow!, a mobile banking platform that can run on legacy cell phones through Unstructured Supplementary Service Data (USSD), and Jenius, a mobile banking application that supports banking activities such as saving and transacting money. These mobile services have helped drive financial inclusion in Indonesia, with more than 85,000 BTPN account openings in just three months.

“With Software AG’s webMethods integration platform, we are able to connect systems and applications across the bank and better serve the country’s broad base of customers across diverse socioeconomic populations,” said Joko Kurniawan, IT Integration Service Solution Head at PT Bank Tabungan Pensiunan Nasional Tbk.

Since leveraging the latest version of webMethods Microservices Container and DevOps for hosting and continuous integration, BTPN has realized reduced error rates, lower branch operation costs, improved regulatory compliance and an enhanced capacity to support new services such as bill-pay via internet banking.


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