Software AG Case Studies Bridging Digital Islands from Jungles to Jenius with Mobile Banking

Edit This Case Study Record

	Bridging Digital Islands from Jungles to Jenius with Mobile Banking Software AG

Bridging Digital Islands from Jungles to Jenius with Mobile Banking

Software AG

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
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. Read More
About 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. Read More
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). Read More Log in to view content
Contents

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

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.

About 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.

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).

Impact #1	Launched two mobile banking platforms
Impact #2	Transformed into a transactions-based bank
Impact #3	Integrated disparate data systems

Impact #1

Launched two mobile banking platforms

Impact #2

Transformed into a transactions-based bank

Impact #3

Integrated disparate data systems

Benefit #1	85,000 new accounts opened in just 3 months

Benefit #1

85,000 new accounts opened in just 3 months

Download PDF Version

Overview

Bridging Digital Islands from Jungles to Jenius with Mobile Banking

Operational Impact

Quantitative Benefit