CUSTOMER REFERENCE “Indonesia represents a complex place to do business as a bank, with both rural and urban populations spread across 17,000 islands. With Software AG as a partner, we were able to expand into mobile banking and a whole lot more—and we’ve won awards because of it.” — Joko Kurniawan | VP – IT Integration System Lead, BTPN BTPN has a long and successful history of service to its home country of Indonesia. For decades, it was the primary facilitator of pension services for government institutions and employees. This meant distributing payments once a month at physical bank branches. But a mobile revolution in Indonesia and the growing dominance of millennials in the country has led to new ways for customers to interact with the bank, new challenges from disru

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