Bank Andara is developing AndaraLink as a conceptual technology platform to facilitate microfinance through digital payments and financial services. AndaraLink aims to leverage mobile technology and partnerships to expand access to services like remittances, bill payments, and insurance to underserved communities. The platform will launch in phases, starting with cash transfers between microfinance institutions and expanding to mobile banking and ATM access over time. However, technical issues around network stability and coverage must still be addressed to ensure successful adoption of mobile financial services.

1. Acceptance & Adoption
of Mobile Money
Ultimate Technology for Microfinance
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3.  Bank Andara is committed, focused
on microfinance development, as a
wholesale bank, as a partner, not as
a rival
 AndaraLink is a brand of conceptual
technology for microfinance needs
 Idea of community brings much
rational costs and benefits as a
group of MFIs
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4.  Trend of digital money is creating business
opportunity
 Huge target market for micro payment
(around US20 bio)
 77% transaction is still using cash
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5. Telkom
PLN
Microfinance Head Office
Institution
Branch Office
MFI
Bank Indonesia
Central Clearing System
MFI
MFI
Clients
Cellular Provider
MFI
ATM
Internet Provider
Internet
Banking
Mobile Manual
Banking
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6. Co-BRANDING
International
Remittance Inter account
Online Deposit
Transfer between
Cash-to-cash Payment & And Withdrawal
MFI’s client
Transfer (TOKEN) Deposit
Collection
Micro
Bill payments Commercial Insurance Insurance
Bank Transfer Payment payment
Collection
2010 - 2011 2012 2013 - 2014
EDC
Web Mobile
Channel Channel for MFI
ATM Merchants &
Networks Agencies
Andara-Link Payment & Remittance
Roadmap Mobile
banking

7. Co-BRANDING
International
Remittance Online Deposit Inter account
And Withdrawal Transfer between
Cash-to-cash Payment &
MFI’s client
Transfer (TOKEN) Deposit
Collection
Micro
Bill payments Commercial Insurance Insurance
Bank Transfer Payment payment
Collection
2010 - 2011 2012 2013 - 2014
EDC
Web Mobile
Channel Channel for MFI
ATM Merchants &
Will increase Agencies
Networks
volume and as a
product of Financial
Inclusion
Mobile
banking
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8. Current Technical issue on Andara-Link
mobile
 Instability of network connectivity
Network coverage
No roaming partnership among telco
provider for Internet connectivity (??)
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9. Eco-system of Mobile Banking and payment on Andara-Link
Customer/
Member of MFI
Other Commercial Banks
Central Bank
MFI
Shop/
Mini mart
Customer/
Member of MFI
Bank Andara
MFI
Customer
Shop/
Mini mart
Mobile Network Operator
Distribution Supply
Company 9

10. Phase I
Bank Andara MFI officer Customer
Phase II
Bank Andara MFI officer Customer
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11. Phase I
Bank Andara MFI officer Customer
Phase II
Bank Andara MFI officer Customer
Agent
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12.  Trust
 Change behavior
 Where to start
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13. 13

14.  Training & education
 Building awareness
 Encouragement
 Close assistance and support
 Follow-up and retraining
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15. Provide Training to agent for all levels
Technical Training
Service Excellence
Management Development
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16. Joint Marketing Programs
“Using a unified branding, it’s now easier to communicate and
to educate the market, as well as to have promotions”
Banner
Roll Banner
Uniform Neon Box
Stand Card
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17. “Wet-Market Penetration”
“A marketing event in collaboration
with MFIs, to introduce, to promote,
both AndaraLink and MFI’s product to
get more client joining aboard”
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18.  Phone:
◦ (021) 526 0707
(Jakarta)
◦ (0361) 228 211
(Denpasar)
 Website/Chat:
www.andaralink.com
 Email:
sos.andaralink@bankandara.co.id
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19.  Negative impact due to SMS blast
 Bank lead or Telco lead
 Partnership between telco and bank
 Understanding of e-money or virtual account
and the different with bank account
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20. Contact:
irianto.kusumadjaja@bankandara.co.id
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