1. The document discusses PT Pos Indonesia's role in developing financial services and increasing financial inclusion in Indonesia through mobile technology. 2. It outlines Pos Indonesia's regulatory enabling framework and strategies to extend its traditional postal channels to modern digital channels. 3. The key strategies discussed are reengineering business processes, extending service coverage through digital channels like mobile apps and the internet, and promoting services to increase brand awareness.

1. http://www.posindonesia.co.id
Presented by:
PT Pos Indonesia (Persero)
Designated Operator of Indonesia
THE ROLE OF MOBILE TECHNOLOGY
IN THE DEVELOPMENT OF
FINANCIAL SERVICES AND
FINANCIAL INCLUSION

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1. National law No. 38 of 2009 concerning Post
 Post may conduct financial services
 Government Decree No 15 of 2013 concerning the implementation of National Law
No. 38 of 2009 – Financial services include activities such as cash deposit, saving,
giro, distribution and payment from/to postal customers in accordance with the
respective Law
2. National Law No.3 of 2011 regarding Fund Transfer
3. National Law No. 8 of 2010 regarding Prevention and Elimination of Anti
Money Laundry
4. Minister Regulation No. 50 of 2011 regarding the implementation of PPATK
role (Government Institution responsible for the reporting and Analysis of Financial
Transaction)
5. Central Bank Regulation No 14/23/2012 dated 26 December 2012 regarding Fund Transfer
6. PPATK Regulation Nomor : PER-11/1.02.1/PPATK/09/2011 regarding the
implementation of KYC (Know Your Customer) Principle for Postal Operator
REGULATORY ENABLER

3. Fully controlled business process and/or through strategic partnership 
IT Based: integrated, centralized and real time
Application of IT integrated, real time on line, hosting or semi hosting 
reliable, simple, secure, speed, accurate
 Extention of partner and apply minimum number of customer. Types of service:
water, tax, multi finance, tv cable subscription, ticketing
 Fee base transaction  from Partners or Customers
Extend Business Partners
and Service Contents
1
Reengineering2
Business Process
Management
3
Extend current traditional channel (Post Office and Postal Agent)
and develop Modern Channel (Internet, Applikasi pada HP)
Extend Service
Coverage
4
STRATEGY
 Advertising through comprehensive concept to increase brand awareness (Pos Pay):
ATL (Printed Media, Radio) & BTL (Brochure, Pointreward, Gift ), strengthened by
Personal Selling to communities
 Customer retention through card membership and point reward programme
Promotion5

4. 55
POS Remittance GIRO/FD
PT POS
Switch/Midle
Money
Transfer
Giro/Distribution POS PAY
Application
Switch/
Midle
Services
BWN AJ/SYB
Finance
Dept.
Gateways
Delivery Channels
Internet PO counter(Cash) EDC
ACCOUNT
SYSTEM
/ /
Bank Indonesia
/
SOPP POS
Local Network
Multi finance
JKPINDO
RTGS
TSA
FINNET
collectingPROCESSING
DELIVERY
CONNECTING
FINANCIAL SERVICE APPLICATION
Smart Phone

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IT INFRASTRUCTURE
Intranet Pos
APN/VPN
LAN PO
IFS UPUIPS UPU
Telecommunication
provider
Multi Finance
Credit Card
Electricity/ Water
Switching Engine
Host Gateway Provider
Data Center
Switching Engine
Host - Posindo
Taxes
BILLER
Data, Reconciliation &
setlement
Citybank
VPN Dial
MPLS
Frame Relay
Radio Link
GPRS
PO (post
office?) GPRS

6. INPUT PROCESS OUTPUT
EXTERNAL FACTOR
Identification of market needs
from industrial, customer as well
as competitor’s analysis
INTERNAL FACTORS
• Existing Post Offices
• Human resource
• Significant number of
personnel with IT Literate
BUSINESS PROCESS
Business process arrangement
for IT- based Remittance and Bill
Payment
DEVELOPMENT
In-house system development
IMPLEMENTATION
• Continuous implementation
and update version of
application
• Enhancement of IT network
(On line Post Office)
SOPP POS
Application system for Postal
Payment Service (Pos Pay)
POS REMITTANCE
Application system for
Remittance (Domestic and
International)
NETWORK
Post Office online network,
Postal Agency, ATM and
Smartphone
INNOVATION AND DEVELOPMENT
Key success factor in the development of financial services is achieved by utilizing the right resources as well
as the right business process

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POSITIONING as FINANCIAL CHANNELING
POS INDONESIA
GOVERNMENT BANK, F. INSTITUTION
INDIVIDUALS INDIVIDUALS INDIVIDUALS
CORPORATIONS
COLLECTION
DISTRIBUTION
+ Taxes & Salary Payment
+ Pension Payment
Social Safety Net Distribution
+ Tax Collection
+ Payment of Bills (Water,
telephone, electricity)
Payrolls
+ Saving (Deposit, Withdrawal, Transfer)
+ Insurance Charge
+ Fund Manager + Smartcard

8. Creating “electronic channel” in order to provide people with easy access to psotal financial services and to increase the company’s revenue
FINANCIAL BACK BONE
TELCO BACK BONE
POSPAY & WESELPOS
ESIA INDOSATAXIS T’SEL XL FLEXI OTHERS
MODAL UTAMA POS :
1. Telah ber-PKS Dgn Banyak Billers
2. Captive Market
3. Jaringan Fisik
USSD
APPS
PRODUCT INFRASTRUCTURE TRANSACTION MODEL
URL
• Semua operator.
• Androit, IOS, BBM
• Hanya Operator yg sdh
ber-PKS
• Semua jenis HP
GIROPOS (VIRTUAL ACCOUNT)
STRENGTH
 Self managed
 Fully controlled
 Central bank’s license not required
 Infrastructure exist, need improvement
to increase its reliability
WEAKNESS
 Lack of brand awareness
 IT infrastructure is yet integrated with
Banking (stand alone)
 Commercially unattractive
 Customers’ benefit is low
 Unable to draw cash from ATM
THE POST’s KEY ADVANTAGE:
1. Partnership with many billers
2. Captive market
3. Physical network
POSPAY & MONEY ORDER
• Only for partner
operator
• All kinds of HP
• All operator
• Android, IQS, BBM

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MOBILE POST PAYMENT (MPOSPAY)
TO
BE
TO
BE
TO
BE
TO
BE
TO
BE
Cash Based
Limited service hours
08:00 – 17:00
Silo Service
Limited service outlets
Post Office & Postal Agency
Walk-in
Customer
Account
Based
AnyTime
24 H/ 7D
Integrated Services
•Financial Services
•E-Comerce
•Parcel& Logistic
Any where
•Mobile
•Internet
Registered
Customer
Existing condition Vision

10. 1. Browse and install “ KANTOR POS” application on
Smartphone from Play Store menu.
2. User Registration, at the Post Office or through
through the installed Digital Postal Application at
HP (name, address, date of birth and nickname of
user’s mother)
3. User has to create his own nickname and
password right after the registration process
accomplished
4. Top up deposit of the virtual account could be
done at:
a. Post Office, by mentioning ID user number
and virtual account
b. Bank Transfer/ATM, by mentioning ID user
number and virtual account
Bambang
Setyabudi
INSTALLATION & REGISTRATION
USER MPOSPAY
POST OFFICE
TOPUP

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Center of Data
Reconcilliation
(PRD)
Amount of fund for settlement
purpose with partner
POSPAY BUSINESS PROCESS
SLP SGLK
Recon data
Up/down loadDownload data
H+1
Transfer /settlement of fund to partner (D+1 atau D+2)
through the agreed bank
1. INQUIRY
2. RESPONS
3. PAYMENT
7. BILL REFF
8. VALIDATION
1. INQUIRY
2. RESPONS
6. PAYMENT
7. BILL REFF
CBS/ACCOUNT
VIRTUAL
• Open App KANTOR POS
• Klik Payment menu
• Key in Customer ID

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REMITTANCE BUSINESS PROCESS
User/sender Pos Indonesia
(Data Center)
BENEFICIARY
•Select “transfer” menu
•Input beneficiary name and amount
•Define PIN (max 6 digit)
•System will generate NTP
(13 digit)
Inform NTP & PIN to
beneficiary through
sms`
Go to the Post Office , mentioning NTP
and PIN , also showing his ID card
13
BambangSetyabudi
CBS/ACCOUNT
VIRTUAL
Check Balance,
Autodebet
Balance sufficient
1
23
4
5

13. a.Counting on physical access channel Post Office and Post Agency
b.Walking customer, Cash-based
a.IT development change people’s way in doing financial service transaction :
ATM, Smart Phone, Internet, EDC.
b.Banking Institutions already take advantage of the development of account-
based technology
c.Productivity of postal financial service have become stagnant
a.In-house reengineering: integrated, centralized, simple, secure, speed,
accurate
b.Fully controlled busniness proces
a.Integrated financial service channel based on IT
b. Comprehensive product  One stop service
POSITIONING1
TECHNOLOGY2
ENVIRONMENT &
COMPETITOR
3
SERVICE POINT &
CUSTOMER
4

14. YEAR
NUMBER
POSPAY
AVERAGE PER MONTH
REMITTANCE
TRANSACTION
AVERAGE PER MONTH
PO AGENT PO AGENT
TRANSACTI
ON
SENDING
PAYING
2011 3.785 5.500 9,8 Jt 1,6 Jt 11,4 Jt 1 Jt 1,3 Jt
2012 3.913 7.300 10,1 Jt 2,1 Jt 12,2 Jt 1 Jt 1,4 Jt
2013 4.214 14.000 10,9 Jt 2,5 Jt 13,4 Jt 1,1 Jt 1,5 Jt
2014 4.214 19.317 11,1 Jt 2,8 Jt 13,9 Jt 1,1 Jt 1,5 Jt
POSPAY & REMITTANCE PERFORMANCE
Partner: 68
Outlet: 3.346
Trx 89,26 Mn
Fee: 266.1 Bn
Partner : 94
Outlet: 3.676
Trx : 110,7 Mn
Fee: 376 Bn
Partner : 116
Outlet: 3.785
Trx: 134,3 Mn
Fee: 430 Bn
partner : 147
Outlet: 3.913
Trx: 155,9 Mn
Fee: 478,5 Bn
Partner : 187
Outlet: 4.214
Trx: 165,8 Mn
Fee: 531,2 Bn
2009
2010
2011
2012
2013
TRX DOMESTIC:
9.678 Mn
INTERNATIONAL
4.140 Mn
Trx Dm :9.928 Mn
Trx Int: 6.238 Mn
TRX Dm : 12.407
Mn
TRX Int: 4.380 Mn
TRX Dm:
12.250 Mn
TRX Int: 4.299
Mn
2010
2011
2012
2013WESELPOS

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INDONESIA POPULATION
SES A+ :
8,769,000.00
SES A :
13,983,000.00
SES B : 55,221,000.00
SES C : 75,366,000.00
SES DE : 83,661,000.00
3.70%
5.90%
23.30%
31.80%
35.30%
Population Pyramid
Banking penetration is 38 %, lower than other ASEAN
Countries. Banking product could only reach society
with Economic Status A, B and a part of C, and could
not reach society with Economic Status some part of C,
D, and E.
INTERNET USERS:
 Telephone user in Indonesia in 2013 ± 256 Mn
people (e Market) report
 Internet user ± 72,7 Mn or 29% of population
(e Market report), ± 34,9 Mn (48%) are using
HP, and ± 9,5 Mn (13%) are using Tablet
(resource: Nelson)

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THANK YOU