DATA INTEG R ATION
CUS TO M E R S TO R Y
Bank BTPN streams
real-time data with Qlik
Indonesian challenger bank builds Enterprise Data Hub
to accelerate digital transformation
Q LI K .CO M
C US TO M E R S TO R Y
“Qlik Replicate enables real-time ingestion of data from our AS/400
environment, but the real advantage is we can then gain instant
visibility to all the data in one dashboard for real-time action.”
Duddy Christian Hayanto, Head of Data Engineering, Bank BTPN
Leading the digital transformation of
Indonesia’s banking sector Solution Overview
Bank BTPN, formed from the merger between PT Bank Customer Name
Tabungan Pensiunan Nasional Tbk (BTPN) and PT Bank Bank BTPN
Sumitomo Mitsui Indonesia (SMBCI), is one of the most bullish Industry
banks in Indonesia. It’s in the country’s top ten in terms of Financial Services
market capitalization and it leads the field in ambition.
Geography
BTPN wants to lead Indonesia’s digital banking Jakarta, Indonesia
transformation. As the country relaxes regulation around Function
digital banking, paving the way for entirely virtual banks, Finance, IT
BTPN wants to be first to market with new digital services. Business Value Driver
Customer Intelligence, Reimagined Processes
“We launched the Jenius app in 2016, our first all-digital
channel,” says Duddy Christian Hayanto, Head of Data Challenges
Engineering, Bank BTPN. “We have more than two million • Improve the speed and availability of data,
users today. They can enjoy an entirely branchless enabling faster and more personalized
customer service
banking experience.”
• Reduce the strain on the core banking systems
The bank recognizes there is plenty of growth for Jenius. • Urgently upgrade traditional ETL (Extract,
Indonesia, a country with a population of 260 million, Transform and Load) solutions, buckling under
has a huge youth demographic. More than 40% of the batch load volumes and no longer fit for purpose
population is under 25. For many, their first experience
Solution
of a bank will be through a smartphone. Internet growth Qlik Replicate creates the ability to synchronize data
rates run at double digits. in near real time from various types of databases,
especially AS/400 to Hadoop systems
The success of Jenius created a welcome headache for
Hayanto. With more touchpoints, and wide access, the bank Results
was capturing a huge amount of new data. BTPN wanted to • Helps create a 360-degree view of the bank’s
customers and inform future service developments
be able to act on, or react to, this data.
• Prevents interruptions to the core banking system
“The problem was our data was held in the core banking • Enables near real-time data access for multiple
system, which meant it wasn’t being processed until the end business units
of the day. We had no insight into real-time activity.”
Bank BTPN streams real-time data with Qlik 2
“If the customer had an issue, we had no visibility of what “If there is a problem with onboarding a new customer,
it might be. If there was a sale opportunity, we’d miss it,” we can see it immediately,” says Hayanto. “Previously we’d
Hayanto explains. have been blind.”
Real-time data ingestion with The speed of access to data transforms user productivity.
immediate alerts The time taken to retrieve data for a query is under a
Bank BTPN’s Enterprise Data Hub is built from Qlik Replicate, second. It means BTPN agents can directly engage with
part of Qlik’s data integration platform. Rather than having a customer, confident they have a real-time view of the
to wait until the end of each business day to access data, customer’s activity.
Qlik Replicate simplifies the massive, daily data ingestion
Data: the fuel to drive business growth
into big data platforms from thousands of sources, including
The engagement with Qlik means BTPN is in control of its
Oracle, SQL, DB2, MySQL, Sybase and PostgreSQL.
data. Data is no longer seen as something to be stored and
“Qlik Replicate enables real-time ingestion of data from managed, but an asset to be exploited. The link to Apache
our AS/400 environment, but the real advantage is we can Kafka means any data update is visible and directed to the
then gain instant visibility to all the data in one dashboard for appropriate team in real time. Users can access the hub
real-time action,” says Hayanto. “We do real-time ingestion remotely. Data is always-on.
through Apache Kafka. Because everything is completely
The power of the Enterprise Data Hub is now being brought
real time, monitoring is necessary to ensure this process runs
to bear on new services. To support the currency exchange
smoothly without any errors and Qlik Replicate has an alert
feature for Jenius foreign currency products, BTPN also
feature so we can find out if an incident occurs. That’s a real
enables real time synchronization for any exchange rate
plus point. All streamlined, no delays.”
changes; the data hub will also be used with customer
The use of change data capture (CDC) enables true real-time onboarding, checking against duplications.
analytics with less overheads. The approach automatically
“This is having a real-world impact on banking services,”
generates target schemas based on source metadata. If there
says Hayanto. “Data can be the fuel to power our business
is a problem BTPN can check the logs, and it can restart from
growth. The Enterprise Data Hub is one of the drivers of our
the exact moment rather than starting from scratch.
digital transformation. This means that we are ready
“Real-time ingestion means we get incremental data changes to support BTPN’s digital journey.
in less than a minute,” explains Hayanto.
“Real-time data gives the bank an immediate and detailed
Relieving strain on the core banking system picture of every customer. At a macro level this helps spot
The creation of the Enterprise Data Hub relieves any strain on trends and potential issues. At an individual level this
the core banking system, leaving it free to focus on serving enables the bank to deliver relevant products and services,”
transactions. This reduces the risk of business downtime, concludes Hayanto.
protecting corporate reputation.
In direct terms, the primary beneficiary of Qlik Replicate is
BTPN’s CRM application. The availability of near real-time
data enables the bank to create a detailed picture of every
customer – in the moment.
Bank BTPN streams real-time data with Qlik 3
The keys to success
<1 second needed to
retrieve customer data <1 minute to replicate data from core
banking system to Enterprise Data Hub
“Real-time data gives the bank an immediate and detailed
picture of every customer. At a macro level this helps spot
trends and potential issues. At an individual level this enables
the bank to deliver relevant products and services.”
Duddy Christian Hayanto, Head of Data Engineering, Bank BTPN
About Qlik
Qlik’s vision is a data-literate world, where everyone can use data and analytics to improve decision-making and solve their
most challenging problems. Qlik provides an end-to-end, real-time data integration and analytics cloud platform to close the
gaps between data, insights and action. By transforming data into active intelligence, businesses can drive better decisions,
improve revenue and profitability, and optimize customer relationships. Qlik does business in more than 100 countries and
serves over 50,000 customers around the world.
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