Make People Banking

ARIUM Branchless

I. Arium Branchless Make People Banking. Easytodeployandsupportflexiblebranchlessmodel.

II. Value Of Arium Branchless 1.DeliveringBenefitsforYouandYourCustomers 2.Keepthebankingprudent

III. Arium Branchless Features IV. Why Telkomsigma AprovennameforICTSolutionsintheBankingandFinancialIndustry

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Table of Contents

I. ARIUM BranchlessMake People BankingEasy to deploy and support flexible branchless model.

There are two important views that affect the de-velopment of branchless banking in Indonesia. The first 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 financial services to customers without a physical office bank, but only use the services of an agent or information and commu-nication technology. So the banking financial 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 effort to inclusive finance is to have for-mal financial services are accessible to all levels of society whoever and wherever. Government and Bank Indonesia has made inclusive finance as one of the major agenda in promoting eco-nomic growth, income distribution, poverty alle-viation, and the stability of the financial system.

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Innovate through the knowledgeEasy to deploy and support flexible branchless model

Arium Branchless is a solution offered 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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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 Benefits 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 effective

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.

5Indonesia’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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Database Tier operates as storage of data, not only for transaction data, but also data of user profiles, role, parameter setting, also it records all request and respond that occurred between Device Tier and external system. Database systems that are compatible are Oracle, Microsoft SQL Server and MySQL Server.

III. Arium Branchless Features

B. Application Tier

Application Tier utilize Java Enterprise Edition (JEE) platform, composed by server components that allows communication between Device Tier and Application Tier, with secure connection (https) using object JSON.

Integration component is an Application Tier com-ponent that modify object JSON according to ex-ternal systems required format, allowing smooth-er integration with external systems. Application Tier also provides services such as User Authen-tication, Push Notification and others that can be utilize by Device Tier and external systems.

C. Database Tier

1. For Agent

Basic Features• Account Opening,• Cash Deposit,• Cash Withdraw,• Overbooking, • Wire Bank Transfer (SKN / RTGS)• Integrated security platform

Advance Features• Agent Management• Paperless KYC• Electronic Passbook

2. For Banks

• System and Business Parameters • User Maintenance• Reporting• Monitoring• House Keeping and Archiving • Backup – Restore

Features

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Why Telkomsigma

Proven experienceWe have a solid track record in providing IT-based banking and financial solutions. Based on our IT experience and expertise since 1987 by becoming an IBM business partner, we have earned a strong reputation in the banking and financial industry through our solutions, including AlphaBITS for local banks, and end-to-end IT solutions consisting of Data Center Services, System Integration,

Banking and Financial IT solutions, Cloud Computing and IT Managed Services.

Local ExpertiseTelkomsigma is supported by reliable local professionals who understand the business, technical provisions and the financial industries regulation in Indonesia.

IT Operation Management (ITOM), Telkomsigma provides the option to offer the solution by outsourcing and renting the services by paying yearly fees, based on usage. Telkomsigma will house your selected applications in our reliable enterprise data center infrastructure, supported by our technical experts to run daily operations. With this your company will require minimum investment on IT infrastructure, hardware and resources, which is suitable for companies that prefer

OPEX model and utilize your capital for core business strategies.

Our Banking and Financial Solution Milestones1998 : AlphaBITS, Core Banking System1991 : Excalibur, Capital Market Core System1993 : AlphaBITS Syariah, Islamic Core Banking System 2000 : Approva, Loan, Originating System2000 : Financore, Multifinance Core System2005 : SERA, Payment Gateway2008 : LINK, ATM Switching for the State-owned Banks Association (HIMBARA)2009 : SATU, Modern Core Banking Ecosystem for BPR2011 : ARIUM, Financial Solutions Ecosystem

2014 : Telkomsigma Banking Suite and AlphaBITS Core Banking Next Gen

Trusted by Banking and Financial ClientsOver 130 clients from the banking and financial sector have utilized our diverse and end-to-end solutions. Since 2009, the State-owned Banks Association (HIMBARA) has trusted us to manage its “LINK” ATM Switching, enabling them to conduct over 150 million transactions over “LINK”.

CMMI Level 3 International StandardTelkomsigma’s business process has been appraised CMMI Lv3, which recognizes our improved process to acquire,

develop, and deliver products and services.

A proven name for ICT Solutions in the Banking and Financial Industry

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

Make Move and Contact Us http://www.telkomsigma.co.id/contact-us

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