A Truly Affordable Modern Banking Solution for BPR and Koperasi

sarana transaksi keuangan

SATU Supports BPR and Koperasi

SATU Creates an Affordable Banking Solution

SATU Provides a Modern Banking Solution

SATU is Winning the Trust of Clients

Why Trust Telkomsigma as Your IT Business Partner?

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Table of Contents

SATU Supports BPR and Koperasi

With a strong presence in the small and medium business (SMB) segment, Bank Perkreditan Rakyat (BPR) and micro-finance financial institutions (Koperasi) have had a long standing business relationship with SMBs, the majority of which were previously ignored by larger banks. Totaling over 50 million nationwide, the crisis-resilient SMBs have become the most prospective business driver for BPR and Koperasi.

Attracted by the huge business potential in the SMB segment, large national and local banks are now penetrating this market, bringing with them superior business and administrative processes supported by modern banking solutions. The utilization of this modern banking solution has put BPR and Koperasi at a disadvantageous position, significantly threatening their market share. We chose to address this by developing SATU, a modern banking solution for BPR and Koperasi, that supports them in the increasingly competitive SMB market.

Why is the SMB Segment becoming Increasingly Competitive for BPR & Koperasi?

Large national and local banks have been penetrating the SMB segment, using modern banking solutions

Customer behavior indicates growing demand for easy and flexible banking, which requires IT-based modern banking solutions

The Central Bank and financial authority are introducing more regulations, requiring more audit reports and administrative compliance

Limited use of IT and modern banking solution by BPR and Koperasi put them at a disadvantage

SATU,

a modern

banking

solution for

BPR and

Koperasi,

that supports

them in the

increasingly

competitive

SMB market.

4 Telkomsigma | SATU

Gone are the days when modern banking solutions were accessible only by financially powerful large banks. Developed with BPR and Koperasi in mind, SATU enables them to enjoy a truly affordable modern banking solution. Utilizing SATU, BPR and Koperasi can now focus more on their core business, while leaving concerns about modern banking solution resources to us.

SATU Creates an Affordable Banking Solution

Why is SATU Affordable?

SATU was specifically developed to take into account BPR’s and Koperasi’s tight budget and limited capital

SATU is a cloud-based (web-based) system that does not require any capital expenditure (CAPEX) for the procurement of IT hardware, software or infrastructure.

BPR and Koperasi only need to pay a monthly fee that is part of their Operating Expenses (OPEX)

Monthly Payment SchemesTelkomsigma offers you two payment schemes to suit your IT solution budget, i.e. Subscription and Transactional. As both schemes require only OPEX with minimum CAPEX, you can have access to truly modern banking solutions by paying for only what you need.

Subscription

Monthly fee includes:

Core Banking Application/Koperasi (SME)

Channels Delivery System (SMS, ATM, EDC)

EDC Facility, 1 unit per office Service “Fee Based Income” Communication network between

client offices to Telkomsigma’s Data Center

Data Center, Infrastructure, Server and Backup Production

24-Hour Customer Care

Transactional

Monthly fee includes:

Core Banking Application Communication network between

client offices to Telkomsigma’s Data Center

Data Center, Infrastructure, Server and Backup Production

24-Hour Customer Care

5Telkomsigma | SATU

SATU Provides a Modern Banking Solution

SATU is a truly modern core banking system specifically for BPR and Koperasi because uses the Software as a Service (SaaS) concept to provide software, hardware, infrastructure, and professional IT management without having to invest on them. It uses a “sharing” concept in which the entire suite of applications can be utilized at any time (online) by the whole community while maintaining the confidentiality of each data transaction, in compliance with the rules and regulations outlined by the Central Bank.

Why is Satu a Modern Banking Solution?

It is a web-based core banking system capable of providing an end-to-end banking solution with minimum investment

Operated online, real-time and integrated, and thus capable of connecting multiple BPR branches

Includes ability to integrate modern banking channels of ATM, Kiosk, SMS Banking and EDC to improve customer services.

SATU Benefits

Modern end-to-end and online banking services, enabling BPR and Koperasi to manage savings accounts, time deposits, loans, accounting, operational and financial reporting, thus improving audit reporting in line with regulations

Access to online banking services and real time among BPR and Cooperative branches, enabling real time and up-to-date billing information, which make reporting efficient and effective

Access to utilize ATMs with national network coverage, SMS Banking and Mobile EDC services, enabling customers to have easy and flexible access to their funds, while giving BPR and Koperasi the opportunity to develop products and attract more customers

Capability to accumulate fee-based transaction income through payment and purchase transactions, including payments on telephone and electricity bills, and purchases of cellular phone credit

SATU Sharing ConceptThe “Sharing” Concept enables BPR and Koperasi to develop a variety of products and services based on business needs by using the parameters provided by the application. Utilizing SATU, BPR and Koperasi are in a better position to answer the growing customer demand for easy and flexible banking and, therefore, result in more businesses.

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Feature-Rich Modern Banking Solution

Sharing Concept Architecture

Applications for BPR and Koperasi Banking Transactions Purchase & Payment Transactions

• Conventional BPR• Sharia BPR• Conventional

Koperasi• Sharia Koperasi

Banking transactions for SMS, EDC, ATM:

Change PIN Balance inquiry Cash withdrawal Cash deposit Print 3 Transactions Overbooking

Prepaid & Postpaid transactions through SMS, EDC, ATM:

Telkomsel XL Easia Indosat* Three* Telkom PSTN** Smartfren Flexi Axis* Speedy** PLN

Postpaid through teller transactions:

Telkom PSTN PLN

Note:*Only prepaid

**Only postpaid

Customer

BPR/KOP A BPR/KOP B BPR/KOP C BPR/KOP D

Customer Data

BPR A

Customer Data

BPR B

Customer DataBPR C

Customer Data

BPR D

PAYMENT SMS

ATM

EDCPURCHASE

CORE BANKING SYSTEMINCLUDE DRC

BillerDelivery Channel

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SATU Solution Modules

SATU for Conventional BPR SATU for Sharia BPR SATU for Koperasi

A core processing system comprising the following modules:

• Retail Module (CIF – master, savings)Savings/deposits with type of interest rate calculations by daily rise/leveling, fixed/flat daily interest, monthly minimum and minimum daily balance

• Deposit ModuleDeposits with the concept of “periodic time” calculations with monthly and daily period placement

• Loan Module Loan Time calculations/ Time

Loan Calculation of Annuity Loans/

Effective/ Sliding Flat Loan Calculation Flat to Annuity Loan Calculation Savings Limit Calculation

• GL/ Accounting Module

• Facilities for Accounting (General Ledger)Facilitating BPR in determining the financial data required and provide information about the financial position of BPR and facilities needed to report, consisting of 100+ reports

• Security Modules and Parameters

• Operational Reports

• BI Reports (Lapbul, SID)

A core processing system comprising the following modules:

• Retail Module (CIF – master customer data, savings)Savings with the principles of Mudharabah & Wadiah

• Deposit ModuleMaintenance of Deposit Product based on Mudharabah contract

• Financing Modules Murabahah Istishna Salam Mudharabah/ Musyarakah Ijarah Qard Gadai

• GL Module/Accounting

• Security Module and Parameter

• Operational Reports

• BI Reports (Lapbul, SID)

A core processing system comprising the following modules:

• Master MembersRegistration of member data is based on member type

• DepositsPrincipal Deposits, Mandatory and Voluntary Savings Deposits

• Fixed DepositProduct deposits with daily and monthly period calculation time

• Loans ReceivableRepayment can be done daily, weekly (7 days), biweekly (14 days), monthly, seasonal or revolving

• Business ProfitsSHU calculation (End of Period)

• Operational Reports Data Reports for

Members by type Data Reports for Non

Members Opening Statements for

New Members Outstanding Report

based on the type of members and the type of deposit

Compulsory Savings, Overdue Statements

Telkomsigma | SATU8

SATU has won the trust of over 82 BPR and Koperasi nationwide, the likes of which have implemented SATU to provide modern banking services to gain new customers in increasingly tough competition from larger banks. Forming SATU Community, they attend our annual gathering to hold discussions on the development of the banking and financial business, as well as the future development of SATU. Join our SATU Community and let’s work together to grow your business.

SATU is Winning the Trust of Clients

“This solution can accelerate BPR Nusamba Grup.” Joko Suyanto, Chairman of Perbarindo

The Association of Indonesian BPR (Perbarindo) Chairman Joko Suyanto encourages Perbarindo members to strengthen their IT infrastructure and IT-based management system, following his decision to adopt SATU for BPR Nusamba Grup. “We have urged members to apply effective and cost-efficient IT,” said Joko.

Currently serving as President Director of PT Sentra Modal Harmony, a holding company of BPR Nusamba Grup, Joko believes that SATU will enable BPR Nusamba

Grup to grow their business in an efficient and competitive way.

As of March 2014, BPR Nusamba Grup has 195 service points consisting of a head office, 21 conventional branches, 4 sharia branches, and a cash office. The BPR is to apply SATU in all of its conventional branches.

Clients Trust SATU

Over 82 BPR and Koperasi with more than 500 outlets nationwide implementing SATU

Annual SATU Community Gathering to discuss challenges and future features

24x7 Customer Care/ Help Desk Support

9Telkomsigma | SATU

Why Trust Telkomsigma as Your IT Business Partner?

Finding the right IT banking solution provider can be challenging. Some newcomers with an unproven track record may frustrate your attempt to have an efficient IT solution that matches well with your needs and budget. Telkomsigma is proud to have these differentiating qualities that you can rely on:

1. Experience and Expertise in the Bank and Financial IndustryWe have developed our competency in the IT industry since 1987, starting as an IBM business partner. Pioneering the first banking system AlphaBITS for local banks, we have earned a strong reputation in the banking and financial industry. Now, we provide end-to-end IT solutions such as Data Center Services, System Integration, Banking and Financial IT solutions, Cloud Computing and IT Managed Services.

Our Banking and Financial Solution Milestones

1998 - AlphaBITS, Core Banking System 1991 – Excalibur, Capital Market Core System 1993 – AlphaBITS Syariah, Islamic Core Banking System 2000 – Approva, Loan Originating System 2000 – Financore, Multifinance Core System 2005 – SERA, Payment Gateway 2008 – LINK, ATM Switching for HIMBARA 2009 – SATU, Modern Core Banking System for BPR 2011 – ARIUM, Financial Solutions Ecosystem

2. Trusted by Clients from Banking and Financial IndustryThrough our diverse and end-to-end solutions for the banking and financial industry, Telkomsigma has become a trusted name in providing secure and reliable solutions. Since 2009, we have been trusted by the Association of Indonesia State Owned Banks (HIMBARA) to manage its “LINK” ATM Switching, which in turn has enabled member banks to conduct over 150 million transactions through LINK.

Over 130 clients of our Banking & Financial Solutions. Over 80 SATU Clients with more then 500 outlets nationwide.

3. Supported by Telkom Indonesia’s Network ConnectivityWe have partnered with Telkom Indonesia as our parent company to develop and run SATU. Combining the support of Telkom Indonesia’s vast infrastructure network and Telkomsigma’s wealth of experience in software, data center infrastructure and IT managed services, SATU offers you truly end-to-end affordable modern banking solutions where ever you are.

4. Supporting Services• 24x7 Customer Core/ Help Desk Support

User’s application support Complaint issues support

• Delivery Channel Support User Guide use of delivery channels Manual handling and operational disruptions delivery channels In Shop Service Point for the maintenance, repair and replacement of EDC

The information contained herein is subject to change without notice. Created April 2014

© Copyright 2014 PT Sigma Cipta Caraka (Telkomsigma) Menara Dea, 8th Floor Kawasan Mega Kuningan Jl. Mega Kuningan Barat IX Kav E.4.3. No.1 Jakarta 12950, Indonesiawww.telkomsigma.co.id

Take the Next Step and Contact Us http://www.telkomsigma.co.id/contact-us

Implementation Time FrameIn under 2 months, BPR and Koperasi can obtain a modern banking system.

Benefits*** : • Implementation process includes training session by our team before SATU system “Go Live”• During “Go Live” session, our team will assist the process to ensure smooth operations during the transition.

Activities Time Frame PIC

Kick Off Meeting Joint

Parameter Settings Telkomsigma

Preparation of Convertion Data BPR/Koperasi

Testing of Convertion Data Telkomsigma

Training & Simulation Telkomsigma

Infrastructure preparation (Network & Connectivity) Telkomsigma

Conversion Joint

Go Live & Assistance Telkomsigma

2 days

2 days

5 days

3 days

4 weeks

4 weeks

2 weeks

6 weeks

Menara Dea, 8th Floor Kawasan Mega Kuningan Jl. Mega Kuningan Barat IX Kav E.4.3. No.1 Jakarta 12950, Indonesiawww.telkomsigma.co.id