BTPN Digital Transformation Journey & Medium Companies High & Middle Income HNWIs 4...

5 Feb 2018 Joko Kurniawan IT Integration System Development Head

BTPN Digital Transformation Journey

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•BTPN Vision Mission

•BTPN Digital Product

Agenda

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•SoftwareAG - a partner in this journey

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BTPN aspires to be a leading mass-market bank, powered by digital

To be the best mass market bank, making a difference in the lives of millions

Vision

… Powered by DIGITAL

Funding Lending Target Market

Large & Medium Companies

High & Middle

Income

HNWIs

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Continuous Innovation

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•BTPN Vision Mission

•BTPN Digital Product

Agenda

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•SoftwareAG - a partner in this journey

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BTPN is creating two distinct digital banking platforms to capture the opportunities

Significant market for both segments

44

240

195

2010 2020

260

180

80

Population, mn

Consuming class

Below consuming class

BTPN is creating two new innovative businesses

Address digitally savvy affluent consuming class individuals with a smartphone based digital bank offering

Address mass market and productive poor1 with low cost feature-phone based financial services offering (working with one-bar signal via USSD)

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BTPN Wow! is a USSD based product that works on feature phones across 3 major telco networks – even with 1 bar signal

Customers

Agents

Empowering previously ‘unbanked’ customers to save and transact

Empowering agent to facilitate deposits and withdrawals

Bill payment

Airtime top up

Payments

Transfers

• No min balance • No monthly fee • Cash in/out via agents

• Pay electricity/ water bills from home

• Pay merchants

Savings

• Fund transfer to/ from any bank account or mobile phone #

• Top up all three major telco pre-paid accounts

Cash-in

Cash-out

Open Bank Account

• Facilitate cash deposits into savings accounts

• Facilitate saving account opening

• Facilitate cash withdrawals from saving accounts

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BTPN Wow! is ultimately about making the hard work of our customers more valuable

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Value proposition: At heart, Jenius is a mobile and web app coupled with an international debit card

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Simple way to save and pay (Intuitive transactional capability)

Insights to manage your money better (Fully personal financial management tool)

Security to give you peace of mind (Best technology & control)

First of its kind of digital package in Indonesia

Split bill 2

Push payment to any account/Request money 3

Pay multiple bills 4

Virtual/ physical debit card for e-commerce 5

“Cash tags” enabling direct payments 6

Temporarily block/ un-block card 9

Categorize and analyze past expenses 7

8 Dream saver

1 Semi-remote account opening

Fingerprint identification 10

What we deliver What we provide

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Jenius – Banking Reinvented

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Changing the way we work

Business needs

IT require-ments

IT develop-ment

APP

Sequential waterfall

From

Agile development

… hand-drawn screens

… wireframes

… from user journeys

… clickable prototype

MVP

To

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Different profile of people, and new culture

Bank centric

From…

To…

Customer centric

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Different Office set-up

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•BTPN Vision Mission

•BTPN Digital Product

Agenda

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•SoftwareAG - a friend in the journey

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What Webmethods do?

• BTPN used Webmethods (SoftwareAG) since 2011.

• Webmethods integrate BTPN systems connected.

• Simple development & easy to use.

• Reliable and high performance.

• Rich adapters & connectors. Webmethods –

Integration Server

Orchestration

Aggregation

Routing

Transformation

Choregraphy

Event Hub

(async)

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BTPN ESB Architecture

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BTPN Adopt Microservices Architecture

● Objectives of BTPN going to Microservices

Architecture

○ Continuous Innovation & Delivery (time to

market)

○ Scalability & Resource utilization

○ Fault isolation

○ Small focused team

○ Can be written in any language and

framework.

● Focused Domain

○ Accounts, Customers, Cards, Bill Payments,

Purchases, Fund Transfers, Transactions,

Banking Operation, Sales and Lending

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Monolithic ESB vs Webmethods Microservices Container

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Bill Payments Microservices with Webmethods Containers

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Future BTPN Integration Landscape

DMZ

Internal Backend Systems

External Systems (3rd

Party)

Equation, Wow (Core

Banking)

TCP/REST/SOAP/JDBC

Mitracom

Artajasa

Finnet

Jatelindo

Virtual Zone

Master

Service Manager

Router

Node

Pod

Pod

Pod

Pod

Node

Pod

Pod

Pod

Node

Pod

Pod

Pod

Pod

Node

Pod

Pod

Pod

Pod

Persistent

Storage

Master

• Scheduler

• Replication

• Health Check

• CLI

• APIs

• Management

Terracota In-

memory Data

Grid

Synchronous

Asynchronous

TCP/REST/SOAP/JDBC

Kafka

Event

Bus

OpenShift

External Apps

Green Zone

Internal Apps

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DevOps – Automation & Monitoring

DESIGN DEVELOP TEST BUILD DEPLOY RUN MANAGE MONITOR

wM Test Suite

Local Development

DevOps Edition Source Control

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Thank you !

Joko.kurniawan@btpn.com IT Integration System Solution Development