Case Study: Bank BTPN achieves mobile banking across 17,000 islands and 85,000 new accounts with Software AG (webMethods)

Bridging Digital Islands from Jungles to Jenius with Mobile Banking

PT Bank Tabungan Pensiunan Nasional (BTPN) is a leading Indonesian bank with a legacy role in pension distribution facing a huge digital challenge: serving diverse rural and urban customers across 17,000 islands amid a mobile revolution, rising millennial demand and a population where over 64% remained unbanked. The bank needed to modernize while protecting its core systems and connecting disparate back-end systems to scale new mobile services.

Working with Software AG and webMethods, BTPN implemented an integration-driven, microservices and DevOps approach to unify systems and accelerate delivery. That platform enabled the launches of Wow! (USSD for basic phones) and Jenius (smartphone app), transforming BTPN into a transaction-based bank, opening 85,000 accounts in three months, deploying 171,000 agents, cutting branch costs, improving compliance and earning industry recognition.

Bank BTPN

Joko Kurniawan

VP – IT Integration System Lead