I. ARIUM Branchless
Make People Banking
Easy to deploy and support lexible branchless model.
There are two important views that afect the de- velopment of branchless banking in Indonesia.
The irst is about how a bank customer can con- duct banking transactions without having to do
it at the branch. As banking innovation, in order to reach the bank inancial services to customers
without a physical oice bank, but only use the services of an agent or information and commu-
nication technology. So the banking inancial ser- vices can be done anywhere and anytime
While the second is how banks reach unbanked people who live far away in the countryside. The second part is a government program for poverty reduction and has been regulated as
follows
The Financial Services Authority OJK as the Fi- nancial Sector Supervisory Board issued reg-
ulations governing standard procedures and supporting information technology systems for
Branchless Banking. In an efort to inclusive inance is to have for-
mal inancial services are accessible to all levels of society whoever and wherever. Government
and Bank Indonesia has made inclusive inance as one of the major agenda in promoting eco-
nomic growth, income distribution, poverty alle- viation, and the stability of the inancial system.
1.
2.
Innovate through the knowledge
Easy to deploy and support lexible branchless model
Arium Branchless is a solution ofered by Telkomsigma to answer the needs of banks to im- plement branchless banking. By using Arium branchless, banks are not only able to reach
and provide banking services to unbanked people, but also able to improve customer service without having to open a branch as a place to transact. Arium Branchless telkomsigma devel-
oped by using a mobile platform that supports Android, iOS, BlackBerry and Windows Mobile.
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Telkomsigma | ARIUM Banking Suite
II. Value of ARIUM Branchless
Telkomsigma ARIUM Branchless provides convenience to the bank, to reach clients in remote areas and keep the banking prudent.
1. Delivering Beneits for You and Your Customers
1. Bank can reach unbanked people,
2. Bank can serve them,
3. Bank can protect them,
4. Bank can attract more people safety,
5. Bank can do it securely, easily with cost efective
Reaching new customers is very challenging. Banks should be close to them. Conven- tional way is to open a branch which is of course very expensive not only in terms of
its properties but also in terms of its resources. Not to mention the very strict rules for customer acquisition procedure. Although this time the regulator has made vari-
ous procedures to ease customer acquisition and implementation for banking transac- tions in non-branch, it still needed a system that is capable to keep the bank prudent.
2. Keep the banking prudent
telkomsigma here to provide solutions branchless banking. Telkomsigma branchless bank- ing applications only require an agent who lived next to the targeted unbanked people. All
complex procedure usually applied in bank branch is replaced with an agent system that is very safe. KYC process can obtain and there is no way to keep customer’s document locally.
This application is also able to process large transactions, safe and easy to maintain.
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Indonesia’s Proven Banking Solution for Next Generation Banking
Industry Standard Multilayer
Device Tier implements hybrid architecture and utilizes computing power of your smart- phone, enabling interactive and customize user interfaces. At this Tier, we are not only able
to utilize computing power of your smartphone, but also access to your smartphones fea- tures, such as local database for store and forward mechanism, running securely using trans-
action validation and OWASP
A. Device Tier
Ensure secure transactions for customers is the key to build customer trust and loyalty, that’s why our solution in addition to providing secure network SLL, ARIUM Branchless is integrated
with security platform giving more option in security feature, a digital signature might be inte- grated in the application and displayed on your device screen. Hence is supremely secured,
ensuring absolute privacy of customer information and transaction processing.
Integrated with security Platform and SLL for Enhance Security
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Telkomsigma | ARIUM Banking Suite
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