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Some need additional engineering capacity. Others are looking for longer-term capability building. 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The goal is to create a delivery structure that supports product continuity, engineering alignment, and long-term scalability.\u003C\u002Fp>\n",{"ID":582,"id":582,"title":583,"filename":584,"filesize":585,"url":586,"link":587,"alt":8,"author":503,"description":8,"caption":8,"name":588,"status":532,"uploaded_to":533,"date":589,"modified":590,"menu_order":13,"mime_type":536,"type":537,"subtype":538,"icon":539,"width":543,"height":591,"sizes":592},14254,"Indonesia-meeting","Image-10.jpg",60331,"https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002FImage-10.jpg","https:\u002F\u002Fcbtw.tech\u002Fapac\u002Fabout\u002Fsingapore-software-house-for-indonesian-businesses\u002Fimage-10-2\u002F","image-10-2","2026-04-08 02:36:21","2026-04-08 02:36:37",572,{"thumbnail":593,"thumbnail-width":542,"thumbnail-height":594,"medium":586,"medium-width":543,"medium-height":591,"medium_large":586,"medium_large-width":544,"medium_large-height":595,"large":586,"large-width":543,"large-height":591,"1536x1536":586,"1536x1536-width":543,"1536x1536-height":591,"2048x2048":586,"2048x2048-width":543,"2048x2048-height":591},"https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002FImage-10-100x72.jpg",72,549,{"video":8},{"acf_fc_layout":550,"tagline":598,"carousel":599},"Proven in practice",[600,622,638],{"title":601,"quote":8,"description":602,"image":603,"cta":8,"cards":501,"mobile_square":501,"hubspot_form_id":548},"Successful client cases","\u003Ch5>\u003Cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-14242\" src=\"https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002FLogo-jago.svg_-800x260.png\" alt=\"\" width=\"300\" height=\"97\" srcset=\"https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002FLogo-jago.svg_-800x260.png 800w, https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002FLogo-jago.svg_-1024x333.png 1024w, https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002FLogo-jago.svg_-100x33.png 100w, https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002FLogo-jago.svg_.png 1280w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \u002F>\u003C\u002Fh5>\n\u003Ch5>\u003C\u002Fh5>\n\u003Ch5>\u003Cb>Client’s situation\u003C\u002Fb>\u003C\u002Fh5>\n\u003Cp>Fueled by the success of Jenius, key members from the Jenius team set out to build a new Digital Bank in Indonesia.\u003C\u002Fp>\n\u003Ch5>\u003C\u002Fh5>\n\u003Ch5>\u003Cb>CBTW’s approach & scope\u003C\u002Fb>\u003C\u002Fh5>\n\u003Cp>CBTW was the development team behind Jago, built for Bank Artos in Indonesia. We were responsible for configuring & integrating the core banking system (Mambu), the back office administration console and the mobile (iOS & Android) applications. Our involvement started with a Discovery Phase, where we helped define requirements and created an initial product roadmap, with agreed project processes and key milestones. CBTW collaborated with teams in Jakarta and Pune (both remotely and on premise).\u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Cp>Features included:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Customer Registration\u003C\u002Fli>\n\u003Cli>KYC Process\u003C\u002Fli>\n\u003Cli>Online Transfers\u003C\u002Fli>\n\u003Cli>Transaction Management\u003C\u002Fli>\n\u003Cli>Bill Payments\u003C\u002Fli>\n\u003Cli>Wallet Top-ups & Notifications\u003C\u002Fli>\n\u003Cli>Applying defense-at-depth at different layers and end-to-end encryption through all communication channels\u003C\u002Fli>\n\u003Cli>Integration with banking and external systems for payment switching, aggregating bills, e-wallet, etc.\u003C\u002Fli>\n\u003Cli>A microservices architecture to draw boundaries between business domains and connect them through eventing (both server-to-server and client-server)\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cul>\n\u003Cli style=\"list-style-type: none;\">\u003C\u002Fli>\n\u003C\u002Ful>\n",{"ID":604,"id":604,"title":605,"filename":606,"filesize":607,"url":608,"link":609,"alt":610,"author":503,"description":8,"caption":8,"name":611,"status":532,"uploaded_to":533,"date":612,"modified":613,"menu_order":13,"mime_type":536,"type":537,"subtype":538,"icon":539,"width":546,"height":545,"sizes":614},14497,"Investment portfolio Indonesia","Rupiah.jpg",323662,"https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002FRupiah.jpg","https:\u002F\u002Fcbtw.tech\u002Fapac\u002Fabout\u002Fsingapore-software-house-for-indonesian-businesses\u002Frupiah\u002F","A phone screen with investment portfolio in Rupiah","rupiah","2026-04-29 03:30:29","2026-04-29 03:30:48",{"thumbnail":615,"thumbnail-width":542,"thumbnail-height":616,"medium":617,"medium-width":543,"medium-height":618,"medium_large":608,"medium_large-width":544,"medium_large-height":619,"large":620,"large-width":545,"large-height":621,"1536x1536":608,"1536x1536-width":546,"1536x1536-height":545,"2048x2048":608,"2048x2048-width":546,"2048x2048-height":545},"https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002FRupiah-100x67.jpg",67,"https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002FRupiah-800x533.jpg",533,512,"https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002FRupiah-1024x683.jpg",683,{"title":601,"quote":8,"description":623,"image":624,"cta":8,"cards":501,"mobile_square":501,"hubspot_form_id":548},"\u003Ch5>\u003Cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-14241\" src=\"https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002FBank-BTPN-800x467.png\" alt=\"\" width=\"163\" height=\"95\" srcset=\"https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002FBank-BTPN-800x467.png 800w, https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002FBank-BTPN-100x58.png 100w, https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002FBank-BTPN.png 853w\" sizes=\"auto, (max-width: 163px) 100vw, 163px\" \u002F>\u003C\u002Fh5>\n\u003Ch5>\u003C\u002Fh5>\n\u003Ch5>\u003Cb>Client’s situation\u003C\u002Fb>\u003C\u002Fh5>\n\u003Cp>BTPN tried to build Jenius 1.0 with their internal team and Finastra. Together with one of the Big 3 consulting firms, CBTW was brough in as the development partner for the Jenius 2.0 Project.\u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Ch5>\u003Cb>CBTW’s approach & scope\u003C\u002Fb>\u003C\u002Fh5>\n\u003Cp>To begin we help a collaborative Discovery Phase with all the stakeholders onsite in Jakarta. Following this we sent 15 people to work onsite, whilst the remaining 30 worked from Ho Chi Minh city together with the consulting partner.\u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Cp>The Jenius 2.0 mobile banking app uses the latest technologies on a microservices architecture (integrated with the core BTPN banking system) to significantly improve performance and scalability. Created lending features to encourage customers to borrow money from BTPN.\u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Cp>Features included:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Core Banking integration – Finastra\u003C\u002Fli>\n\u003Cli>KYC & Account Opening\u003C\u002Fli>\n\u003Cli>Transfer money, manage bank accounts\u003C\u002Fli>\n\u003Cli>Card management\u003C\u002Fli>\n\u003C\u002Ful>\n",{"ID":625,"id":625,"title":626,"filename":627,"filesize":628,"url":629,"link":630,"alt":8,"author":503,"description":8,"caption":8,"name":631,"status":532,"uploaded_to":533,"date":632,"modified":633,"menu_order":13,"mime_type":536,"type":537,"subtype":538,"icon":539,"width":634,"height":634,"sizes":635},14493,"Money indonesia","ChatGPT-Image-Apr-29-2026-10_06_02-AM.jpg",255078,"https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002FChatGPT-Image-Apr-29-2026-10_06_02-AM.jpg","https:\u002F\u002Fcbtw.tech\u002Fapac\u002Fabout\u002Fsingapore-software-house-for-indonesian-businesses\u002Fchatgpt-image-apr-29-2026-10_06_02-am\u002F","chatgpt-image-apr-29-2026-10_06_02-am","2026-04-29 03:24:34","2026-04-29 03:24:58",900,{"thumbnail":636,"thumbnail-width":542,"thumbnail-height":542,"medium":637,"medium-width":543,"medium-height":543,"medium_large":629,"medium_large-width":544,"medium_large-height":544,"large":629,"large-width":634,"large-height":634,"1536x1536":629,"1536x1536-width":634,"1536x1536-height":634,"2048x2048":629,"2048x2048-width":634,"2048x2048-height":634},"https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002FChatGPT-Image-Apr-29-2026-10_06_02-AM-100x100.jpg","https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002FChatGPT-Image-Apr-29-2026-10_06_02-AM-800x800.jpg",{"title":601,"quote":8,"description":639,"image":640,"cta":8,"cards":501,"mobile_square":501,"hubspot_form_id":548},"\u003Cp>\u003Cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-14244\" src=\"https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002Flogo-spinpay.png\" alt=\"\" width=\"300\" height=\"93\" srcset=\"https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002Flogo-spinpay.png 528w, https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002Flogo-spinpay-100x31.png 100w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \u002F>\u003C\u002Fp>\n\u003Ch5>\u003C\u002Fh5>\n\u003Ch5>\u003Cb>Client’s situation\u003C\u002Fb>\u003C\u002Fh5>\n\u003Cp>Spin Pay is one of the most prominent eWallet providers in Indonesia that services both consumers and merchants. SPIN were looking for a custom loyalty platform that helps rewards its users for various in app and in store shopping activities.\u003C\u002Fp>\n\u003Ch5>\u003C\u002Fh5>\n\u003Ch5>\u003Cb>CBTW’s approach & scope\u003C\u002Fb>\u003C\u002Fh5>\n\u003Cp>The bespoke loyalty engine was designed and built by CBTW in a flexible manner to take almost any user activity from within the application and create unique rules upon which different rewards, points and could be delivered to the end-user.\u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Cp>Features included:\u003C\u002Fp>\n\u003Cul>\n\u003Cli style=\"list-style-type: none;\">\n\u003Cul>\n\u003Cli>Developed a loyalty management back-office\u003C\u002Fli>\n\u003Cli>Fully bespoke rules engine\u003C\u002Fli>\n\u003Cli>Integration with SPIN Pay and other MNC Group systems for activity tracking.\u003C\u002Fli>\n\u003Cli>Merchant integration\u003C\u002Fli>\n\u003Cli>Membership levels & tiering based off rules\u003C\u002Fli>\n\u003Cli>Points, cashback, discount and voucher reward distribution.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003C\u002Fli>\n\u003C\u002Ful>\n",{"ID":641,"id":641,"title":642,"filename":643,"filesize":644,"url":645,"link":646,"alt":8,"author":503,"description":8,"caption":8,"name":642,"status":532,"uploaded_to":647,"date":648,"modified":648,"menu_order":13,"mime_type":536,"type":537,"subtype":538,"icon":539,"width":649,"height":650,"sizes":651},12876,"2149151172","2149151172.jpg",656503,"https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002F2149151172.jpg","https:\u002F\u002Fcbtw.tech\u002Finsights\u002Fai-fintech-product-delivery\u002Fattachment\u002F2149151172\u002F",12596,"2026-03-11 07:02:01",1000,667,{"thumbnail":652,"thumbnail-width":542,"thumbnail-height":616,"medium":653,"medium-width":543,"medium-height":654,"medium_large":645,"medium_large-width":544,"medium_large-height":619,"large":645,"large-width":649,"large-height":650,"1536x1536":645,"1536x1536-width":649,"1536x1536-height":650,"2048x2048":645,"2048x2048-width":649,"2048x2048-height":650},"https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002F2149151172-100x67.jpg","https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002F2149151172-800x534.jpg",534,{"acf_fc_layout":656,"tag_name":657,"section_title":658,"description":659,"image":501,"cta_link":660,"hubspot_form_id":548,"align_center":501},"block_lets_connect","Build what comes next","Looking to scale your digital delivery?","Some organizations are looking to expand engineering capacity. Others are exploring structured approaches to build long-term capability. CBTW helps shape delivery models that align with those goals while connecting Indonesia teams with engineering capability in Vietnam.",{"title":661,"url":662,"target":8},"Talk with CBTW's experts","https:\u002F\u002Fcbtw.tech\u002Fapac\u002Fcontact",{"title":499,"description":664,"robots":665,"canonical":497,"og_locale":671,"og_type":672,"og_title":499,"og_description":664,"og_url":497,"og_site_name":673,"og_image":674,"twitter_card":676,"twitter_title":499,"twitter_description":664,"twitter_image":505,"twitter_misc":677,"schema":679},"Singapore software house supporting Indonesian businesses with APAC teams for web, mobile, product, and enterprise software development.",{"index":666,"follow":667,"max-snippet":668,"max-image-preview":669,"max-video-preview":670},"index","follow","max-snippet:-1","max-image-preview:large","max-video-preview:-1","en_US","article","CBTW",[675],{"url":505,"width":540,"height":540,"type":536},"summary_large_image",{"Written by":678},"Son Tu Quoc",{"@context":680,"@graph":681},"https:\u002F\u002Fschema.org",[682,689],{"@type":683,"@id":497,"url":497,"name":499,"description":664,"inLanguage":684,"isPartOf":685,"datePublished":687,"dateModified":688},"WebPage","en-US",{"@id":686},"https:\u002F\u002Fcbtw.tech\u002F#website","2026-05-04T09:03:34+00:00","2026-06-17T07:15:48+00:00",{"@type":690,"@id":686,"url":691,"name":673,"description":692,"inLanguage":684},"WebSite","https:\u002F\u002Fcbtw.tech\u002F","Collaboration Betters The World",[],[],[],[],[],[],[700,715,717],{"region_name":701,"social_list":702},"Global",[703,707,711],{"title":704,"link":705,"icon":706},"Instagram","https:\u002F\u002Fwww.instagram.com\u002Fcollaborationbetterstheworld\u002F","https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002FinsAsset-1@2x.png",{"title":708,"link":709,"icon":710},"LinkedIn","https:\u002F\u002Fwww.linkedin.com\u002Fcompany\u002Fcollaboration-betters-the-world","https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002FlkAsset-2@2x.png",{"title":712,"link":713,"icon":714},"Youtube","https:\u002F\u002Fwww.youtube.com\u002F@collaborationbetterstheworld","https:\u002F\u002Fadmin.cbtw.tech\u002Fwp-content\u002Fuploads\u002FyoutubeAsset-3@2x.png",{"region_name":8,"social_list":716},[],{"region_name":8,"social_list":718},[],1781860188700]