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5 Feb 2018 Joko Kurniawan IT Integration System Development Head
BTPN Digital Transformation Journey
2
•BTPN Vision Mission
•BTPN Digital Product
Agenda
2
•SoftwareAG - a partner in this journey
3
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
4
Continuous Innovation
5
•BTPN Vision Mission
•BTPN Digital Product
Agenda
5
•SoftwareAG - a partner in this journey
6
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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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
13
Different Office set-up
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•BTPN Vision Mission
•BTPN Digital Product
Agenda
14
•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