WHO WE ARE - kartuku – Secure Payment. SimplifiedDebit/Credit Cards, e-Money, PayByQR and more)....
Transcript of WHO WE ARE - kartuku – Secure Payment. SimplifiedDebit/Credit Cards, e-Money, PayByQR and more)....
WHO WE ARE
We are a secured payment solution provider who build connections between merchants and our financial institution partners to help them grow together with an integrated and simplified shopping experiences for end-consumers.
VisionTo be the trustworthy payment solution partner for all in enabling cashless society in Indonesia.
MissionTo enable our customers to sell more and grow their business by providing an integrated and simplified end-consumer shopping experiences using our shared payment platform and connections with our strategic financial institution partners.
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OUR COVERAGE AREA
We provide payment services to 379 locations throughout Indonesia, operate on a 24-hour and 365 days throughout of the year. Our customer and partners can therefore count on the efficiency of our services and reliability of their payment networks.
*) 170 On Site Cities and 209 Off Sites Cities
59 379ServicePoints Covering
Citiesin Indonesia*
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WE ARE LED BY Experienced Management Team
Novi TandjungCommercial & Product Director
15 years of experience,previous key positions:
• Microsoft Indonesia
Priscilla KayoHR & Financial Controller
Director
30 years of experience, previous key positions:
• Accenture• Makindo Securities• Madani Securities
Wendy SutantoOperations Director
12 years of experience, previous key positions:
• Link Net• Citigroup
Hery AtmadjaTechnology Director
25 years of experience, previous key positions:
• Infinity Solutions• Hutchison CP• Accenture
Thomas HustedPresident Director
17 years of experience,previous key positions:
• PT Delta Dunia Makmur, CFO• Bank Danamon• CitigroupJulianto Sidarto
Senior Advisor
26 years of experience, previous key positions:
• President Director of Accenture Indonesia
Arleen WiryoCorp. Finance & Data Analytics
12 years of experience, previous key positions:
• Saratoga Capital• Hexaware Technologies
Gunawan SantosoSVP IT Infrastructure
18 years of experience, previous key positions:
• BTPN• GE Money• ANZ
Thomas Tarpin-LyonnetR&D Director
16 years of experience, previous key positions:
• DominoPos• HPS• Welcome Real-Time
Kartuku’s senior management team HAS significant and broad industry experience
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our Board of CommissionerS
Niki LuhurPresident Commissioner
• Founder• B.A. Magna Cum Laude from
Tufts University• Endeavor Entrepreneur• Chairman of Indonesian Fintech
Association
Carl PascarellaCommissioner
• Currently: TPG Executive Advisor
• Former CEO, VISA USA• Former CEO, Visa Asia-Pacific
Ting Tu YanCommissioner
• Winter Group, Hapag-Lloyd• B.S. Columbia University
Tommy TheoCommissioner
• Executive Director, Northstar Group
• Investment banker at Citigroup in Singapore and Perella Winberg Partners in New York
our boc backgrounds CAME FROM Association of Fintech Indonesia, ELECTRONIC PAYMENT PRINCIPAL AND international banker
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WE BUILD A UNIFIED CASHLESS ECOSYSTEM
400 Thousands
500 Thousands
22 Millions
5 Millions
10 Millions
26 Millions
3 Millions
16 Millions
42 Millions
1 Millions
20 Millions
6 Millions
9 Millions
NUMBER OF POTENTIAL CASHLESS USERS merchants
total: 160 millions usersand more financial institutions are joining...
and many more...
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what we are trying to solve
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PAYING UNNECESARRY MDR FEE
MANUAL REPORT & RECONCILIATION
MULTIPLEUNITEGRATEDEDCs & POS
SALES &PROMOTIONAL ISSUES
• Un-optimized MDR fee distribution• High off-us MDR fee• Multiple EDCs at cashier• Multiple bank accounts
• Manual reconciliation for unbalanced transaction
• Prone to fraud and human errors (different format / cut-off time)
• Additional work load and operational pain• Ineffective and coslty resource
• Inefficient Process• Different SOPs and Call Centers• Manual entry to EDC and POS• Prone to fraud and human errors
• Can not accept all types of electronic payment method
• Can not accept all types of promotion program• Manual validation on T&C for promotion
processing• Unable to measure promotion effectiveness
Kartuku has grown and evolved over time to capitalize on the
increasingly complex payments market
PAYMENT PAIN POINTS FOR MERCHANTS TO GROW EFFICIENTLY AND AGGRESIVELY
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HOW WE CAN HELP OUR CUSTOMER
• Deal only with Kartuku and connect to 160 millions of cashless users in Indonesia.
• Leverage Kartuku partners (Bank/e-Money Institutions) and connect to various marketing and loyalty programs providers.
• Get instant referral from customers that encounter wow shopping experience effect.
• Unify multiple payment terminals to 1 device, to simplify operation with only 1 SOP and MDR fee distribution.
• Ease store cashier process with POS Integration and automated customer shopping programs.
• More visibility with online reporting and increase productivity with simplified reconciliation.
• Provide flexibility for customers by accepting multiple payment methods (Debit/Credit Cards, e-Money, PayByQR and more).
• Provide convinience for customers with multiple and automated shopping programs in single transaction.
• Improve the quality of service by serving the Fast, Precise and Secured transactions.
Unified Payment is a smart system that can optimize efficiency and effectiveness of merchant’s payment process by having one single EDC instead of having multiple EDCs from many Banks or e-Money Institutions. It supports any
kind of payment methods and promotional platforms.
WIN MORECUSTOMERS & SALES
IMPROVE OPERATIONAL &
COST SAVING
DELIVER BETTER SERVICE & CUSTOMER
EXPERIENCE
our hero product, unified payment, can help merchant by offering THE FOLLOWING values:
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HOW WE CAN HELP OUR PARTNERS
• No CAPEX• Variable OPEX - ”pay as you go”
• Leverage existing Unified Payment merchant network
• Faster time to market
• Single platform to automate consumer shopping programs with e-voucher, installment, and promo server.
Unified Payment is a smart system that can optimize card and e-money transaction process in a simplest & secure way by implementing one shared single EDC terminal for multiple acquiring and issuing parties. It can accept any
kind of payment/promo methods and support reporting service, POS integration and simplified reconciliation.
LOWER COSTOF OWNERSHIP
RAPID FOOTPRINT EXPANSION
BUILT-IN PROMOTOOLS
UNIFIED PAYMENT CAN ALSO HELP OUR PARTNERS, WHICH ARE BANKS AND OTHER FINANCIAL INSTITUTIONS, BY OFFERING THE FOLLOWING VALUES
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OUR PRODUCT AND VALUE ADDED SERVICES
unified PAYMENT
merchantsbanks
Value Added Service
Promo tools
Marketing tools
Automated Reconciliation
Value Added Service
Promotion
Type of Customers Type of Customers
Suitable VAS Products Suitable VAS Products
Core Product
TransactionProcessing Service
Installment
Installment
Gift Card
Promo Server
Promo Server
E-voucher
CardLinking
CardLinking
Reporting Service
ECR Link*
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OUR Core Pillars
Service Excellent Team• 99% Uptime Guarantee• 24/7/365 Network Operations Center• Nationwide Field Services
Best Security Practice• PCI-DSS 3.2 Certified• VISA Registered Service Provider• Secure Data Storage• PBI (Peraturan Bank Indonesia) Compliance• POJK (Peraturan Otoritas Jasa Keuangan) Compliance
Customer Oriented• 24/7/365 Helpdesk• Automatic Reconciliation
Cost Efficiency• Shared Infrastructure• Remote Terminal Estate Management
WE STRIVE TO BE BETTER CONTINUOUSLY ON DELIVERING SERVICES FOR BOTH OUR CUSTOMERS AND PARTNERS
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Credit Card & Debit Card
e-Money
UNIFIED PAYMENT ACCEPTANCE
Swipe Tap (NFC)
dip (insert) QR Code Scan
contactless One Time Password (OTP)
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WE ARE TRUSTED BY TOP MERCHANTS
And thousand more..
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...AND CERTIFIED BY MANY PARTNERS
10Out
of 12
14Out
of 22
Partnered with 10 out of 12 Acquirer Banks
Partnered with 14 out of 22 Issuer Banks
Partnered with top e-Money Institutions
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Kartu Jakarta Pintar (KJP)Deliver Kartu Jakarta Pintar, the DKI Pemprov program for education subsidy. reach 1 million students and 2 million households. The implementation including Busway, Zoo, Book stores and grocery stores.
Samsat GendongWork with National Police Department to provide SAMSAT Gendong, a mobile police tax payment service for citizens
MicrobusinessWork with 70.000 collecting agents to empower warung , microbusiness to have additional revenue stream by air time top up.
Digital IslandPartnering with Bank DKI and Jakarta’s Governor, Kepulauan Seribu at North of Jakarta implement cashless and implement mini ATM thru EDC.
Pension fundWithdrawal at retailer. Reach 200.000 pensioners across the country and help them withdraw monthly pension fund to their closes merchants.
Government to Consumer Food SubsidyDeliver government food subsidy thru EDC and card based program. Lebaran beef subsidy program reach 500.000 citizens.
Drive A Mobile ElectricityBill PaymentWhere electricity bill agents equipped with mobile EDC to collect household electric bills and cross sell other prepaid products.
TRUSTED PARTNER FOR GOVERNMENTCASHLESS INITIATIVES
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t. +62 21 2991 5699f. +62 21 5290 3064
PT. MULTI ADIPRAKARSA MANUNGGAL (KARTUKU)Setiabudi 2 Building, 3rd Floor, Suite 302-305Jl. HR Rasuna Said Kav. 62, KuninganJakarta 12920, Indonesia
Call Center Jabodetabek +62 21 2991 5600Outside Jabodetabek 0804 152 7885