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Policy",[8],"privacy-policy",{"ID":452,"post_author":38,"post_date":453,"post_date_gmt":453,"post_content":29,"post_title":8,"post_excerpt":8,"post_status":10,"comment_status":11,"ping_status":11,"post_password":8,"post_name":454,"to_ping":8,"pinged":8,"post_modified":453,"post_modified_gmt":453,"post_content_filtered":8,"post_parent":13,"guid":455,"menu_order":63,"post_type":16,"post_mime_type":8,"comment_count":17,"filter":18,"db_id":452,"menu_item_parent":17,"object_id":456,"object":20,"type":21,"type_label":22,"url":457,"title":458,"target":8,"attr_title":8,"description":8,"classes":459,"xfn":8,"layout_type":460},10835,"2025-10-07 04:50:07","10835","https://cbtw.tech/insights/10835","403","https://cbtw.tech/apac/whistleblowing-policy/","Whistleblowing Policy",[8],"whistleblowing-policy",{"ID":462,"post_author":38,"post_date":453,"post_date_gmt":453,"post_content":29,"post_title":8,"post_excerpt":8,"post_status":10,"comment_status":11,"ping_status":11,"post_password":8,"post_name":463,"to_ping":8,"pinged":8,"post_modified":453,"post_modified_gmt":453,"post_content_filtered":8,"post_parent":13,"guid":464,"menu_order":72,"post_type":16,"post_mime_type":8,"comment_count":17,"filter":18,"db_id":462,"menu_item_parent":17,"object_id":465,"object":20,"type":21,"type_label":22,"url":466,"title":467,"target":8,"attr_title":8,"description":8,"classes":468,"xfn":8,"layout_type":469},10836,"10836","https://cbtw.tech/insights/10836","257","https://cbtw.tech/apac/lodge-a-complaint/","Lodge a complaint",[8],"lodge-a-complaint",{"ID":471,"post_author":38,"post_date":453,"post_date_gmt":453,"post_content":29,"post_title":8,"post_excerpt":8,"post_status":10,"comment_status":11,"ping_status":11,"post_password":8,"post_name":472,"to_ping":8,"pinged":8,"post_modified":453,"post_modified_gmt":453,"post_content_filtered":8,"post_parent":13,"guid":473,"menu_order":81,"post_type":16,"post_mime_type":8,"comment_count":17,"filter":18,"db_id":471,"menu_item_parent":17,"object_id":474,"object":20,"type":21,"type_label":22,"url":475,"title":476,"target":8,"attr_title":8,"description":8,"classes":477,"xfn":8,"layout_type":48},10837,"10837","https://cbtw.tech/insights/10837","2152","https://cbtw.tech/apac/index-egalite-femmes-hommes-de-72-100/","Index égalité femmes-hommes de 72/100",[8],{"items":479,"count":54},[480,482,484,486],{"value":481,"label":481},"EMEA",{"value":483,"label":483},"APAC",{"value":485,"label":485},"Americas",{"value":487,"label":487},"Africa",[489],{"id":490,"date":491,"date_gmt":491,"guid":492,"modified":494,"modified_gmt":494,"slug":495,"status":10,"type":496,"link":497,"title":498,"content":500,"excerpt":502,"author":503,"featured_media":13,"featured_image_url":504,"featured_image_sizes":504,"featured_image_alt":8,"parent":505,"menu_order":17,"comment_status":11,"ping_status":11,"template":8,"meta":506,"class_list":508,"acf":513,"yoast_head":8,"yoast_head_json":663,"lang":8,"translations":692,"cbtw_related_posts":693,"cbtw_related_title":8,"breadcrumb":694,"region":8,"assigned_regions":695,"region_action_type":8,"cloned_regions":696,"pll_sync_post":501,"_links":697,"original_global_parent":178,"regional_parent":505,"cloned_from":8},"14234","2026-05-04T09:03:34",{"rendered":493},"https://cbtw.tech/preview/page/14234/?post_type=apac_page&#038;p=14234&#038;preview=true","2026-05-04T09:05:08","locations-indonesia","apac_page","https://cbtw.tech/apac/collaboration-betters-the-world/locations-indonesia/",{"rendered":499},"Locations &#8211; Indonesia",{"rendered":8,"protected":501},false,{"rendered":8,"protected":501},"45",null,"12425",{"layout_type":48,"assigned_regions":507},[],[509,496,510,511,512],"post-14234","type-apac_page","status-publish","hentry",{"layout_type":48,"layout_builder":514},[515,549,574,597,655],{"acf_fc_layout":516,"tag_name":517,"section_title":518,"description":519,"cta_link":8,"image":520,"scroll_next_button":501,"hubspot_form_id":548},"block_service_header","CBTW Indonesia","Connect Indonesian teams with APAC delivery centers","CBTW works with Indonesian organizations across banking, fintech, SaaS, and enterprise technology. Collaboration between product leaders in Indonesia and engineering teams across APAC to expand delivery capacity while keeping product direction and architecture decisions close to the business.",{"ID":521,"id":521,"title":522,"filename":523,"filesize":524,"url":525,"link":526,"alt":8,"author":503,"description":8,"caption":527,"name":528,"status":529,"uploaded_to":530,"date":531,"modified":532,"menu_order":13,"mime_type":533,"type":534,"subtype":535,"icon":536,"width":537,"height":537,"sizes":538},14235,"indonesia","image-9.jpg",712731,"https://admin.cbtw.tech/wp-content/uploads/image-9.jpg","https://cbtw.tech/apac/collaboration-betters-the-world/locations-indonesia/image-9-2/","JAKARTA - Indonesia. March 22, 2021: Beautiful aerial view of Jakarta city situation at new normal lifestyle after Covid-19 pandemic with quiet road","image-9-2","inherit",14234,"2026-04-07 03:22:24","2026-04-07 03:22:37","image/jpeg","image","jpeg","https://admin.cbtw.tech/wp-includes/images/media/default.png",2161,{"thumbnail":539,"thumbnail-width":540,"thumbnail-height":540,"medium":541,"medium-width":542,"medium-height":542,"medium_large":525,"medium_large-width":543,"medium_large-height":543,"large":544,"large-width":545,"large-height":545,"1536x1536":525,"1536x1536-width":546,"1536x1536-height":546,"2048x2048":525,"2048x2048-width":547,"2048x2048-height":547},"https://admin.cbtw.tech/wp-content/uploads/image-9-100x100.jpg",100,"https://admin.cbtw.tech/wp-content/uploads/image-9-800x800.jpg",800,768,"https://admin.cbtw.tech/wp-content/uploads/image-9-1024x1024.jpg",1024,1536,2048,"2b771724-6b01-4d7b-aeaa-591dfb86a794",{"acf_fc_layout":550,"tagline":551,"carousel":552},"block_image_content_carousel","Collaboration across Indonesia",[553],{"title":554,"quote":8,"description":555,"image":556,"cta":8,"cards":501,"mobile_square":501,"hubspot_form_id":548},"Working with local stakeholders","\u003Cp>Engagement with CBTW spans major technology and business centers across Indonesia.\u003C/p>\n\u003Cp>&nbsp;\u003C/p>\n\u003Cp>Product and tech decisions are anchored in key locations, where CBTW collaborates closely with local stakeholders. We extend our engineering reach through strategic nearshoring across APAC, spanning Australia, Vietnam, the Philippines, Singapore, India, and Hong Kong, to keep delivery perfectly synced with business priorities.\u003C/p>\n\u003Cp>This creates a practical balance &#8211; product direction and delivery governance stay close to the organization, while engineering capability can scale through integrated teams.\u003C/p>\n",{"ID":557,"id":557,"title":558,"filename":559,"filesize":560,"url":561,"link":562,"alt":563,"author":503,"description":8,"caption":8,"name":564,"status":529,"uploaded_to":530,"date":565,"modified":566,"menu_order":13,"mime_type":567,"type":534,"subtype":568,"icon":536,"width":569,"height":569,"sizes":570},14537,"Indonesia-map","02_map-Jakarta_Indonesia.png",210490,"https://admin.cbtw.tech/wp-content/uploads/02_map-Jakarta_Indonesia.png","https://cbtw.tech/apac/collaboration-betters-the-world/locations-indonesia/02_map-jakarta_indonesia/","Indonesia map","02_map-jakarta_indonesia","2026-05-04 07:35:56","2026-05-04 07:36:17","image/png","png",1904,{"thumbnail":571,"thumbnail-width":540,"thumbnail-height":540,"medium":572,"medium-width":542,"medium-height":542,"medium_large":561,"medium_large-width":543,"medium_large-height":543,"large":573,"large-width":545,"large-height":545,"1536x1536":561,"1536x1536-width":546,"1536x1536-height":546,"2048x2048":561,"2048x2048-width":569,"2048x2048-height":569},"https://admin.cbtw.tech/wp-content/uploads/02_map-Jakarta_Indonesia-100x100.png","https://admin.cbtw.tech/wp-content/uploads/02_map-Jakarta_Indonesia-800x800.png","https://admin.cbtw.tech/wp-content/uploads/02_map-Jakarta_Indonesia-1024x1024.png",{"acf_fc_layout":575,"cbtw_list_key":576,"cbtw_list_title":577,"cbtw_list_intro":8,"cbtw_list_conclusion":8,"cbtw_list_items":578,"cta_link":8,"hubspot_form_id":548},"block_dynamic_list","How CBTW engages","Collaboration and long-term partnerships",[579],{"cbtw_list_item_title":8,"cbtw_list_item_description":580,"cbtw_list_item_image":581,"cbtw_list_item_video":596},"\u003Cp>Every organization structures delivery differently. Some need additional engineering capacity. Others are looking for longer-term capability building. CBTW’s engagement model is designed to adapt to those needs.\u003C/p>\n\u003Cp>&nbsp;\u003C/p>\n\u003Cp>Typical collaboration includes:\u003C/p>\n\u003Cul>\n\u003Cli data-section-id=\"x2k6hd\" data-start=\"76\" data-end=\"256\">\u003Ca href=\"https://cbtw.tech/apac/service-overview/software-product-development\">Software Product Teams\u003C/a>: Dedicated teams managing end-to-end product delivery and outcomes for organizations running long-term product programs or evolving digital products\u003C/li>\n\u003Cli data-section-id=\"3q6p7f\" data-start=\"257\" data-end=\"424\">\u003Ca href=\"https://cbtw.tech/apac/alliances-and-technology-partnerships\">Technology Partnership\u003C/a>: Strategic partnerships delivering proven technology platforms and solutions for organizations adopting or scaling enterprise platforms\u003C/li>\n\u003Cli data-section-id=\"rjh8wv\" data-start=\"425\" data-end=\"615\">\u003Ca href=\"https://cbtw.tech/apac/service-overview/build-operate-transfer\">Build-Operate-Transfer\u003C/a>: A model to build and run an engineering capability, for organizations setting up long-term engineering hubs with full ownership later on\u003C/li>\n\u003Cli>Close collaboration between Indonesian stakeholders and nearshoring delivery teams\u003C/li>\n\u003C/ul>\n\u003Cp>&nbsp;\u003C/p>\n\u003Cp>The emphasis is not simply on adding resources. The goal is to create a delivery structure that supports product continuity, engineering alignment, and long-term scalability.\u003C/p>\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":529,"uploaded_to":530,"date":589,"modified":590,"menu_order":13,"mime_type":533,"type":534,"subtype":535,"icon":536,"width":542,"height":591,"sizes":592},14254,"Indonesia-meeting","Image-10.jpg",60331,"https://admin.cbtw.tech/wp-content/uploads/Image-10.jpg","https://cbtw.tech/apac/collaboration-betters-the-world/locations-indonesia/image-10-2/","image-10-2","2026-04-08 02:36:21","2026-04-08 02:36:37",572,{"thumbnail":593,"thumbnail-width":540,"thumbnail-height":594,"medium":586,"medium-width":542,"medium-height":591,"medium_large":586,"medium_large-width":543,"medium_large-height":595,"large":586,"large-width":542,"large-height":591,"1536x1536":586,"1536x1536-width":542,"1536x1536-height":591,"2048x2048":586,"2048x2048-width":542,"2048x2048-height":591},"https://admin.cbtw.tech/wp-content/uploads/Image-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://admin.cbtw.tech/wp-content/uploads/Logo-jago.svg_-800x260.png\" alt=\"\" width=\"300\" height=\"97\" srcset=\"https://admin.cbtw.tech/wp-content/uploads/Logo-jago.svg_-800x260.png 800w, https://admin.cbtw.tech/wp-content/uploads/Logo-jago.svg_-1024x333.png 1024w, https://admin.cbtw.tech/wp-content/uploads/Logo-jago.svg_-100x33.png 100w, https://admin.cbtw.tech/wp-content/uploads/Logo-jago.svg_.png 1280w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" />\u003C/h5>\n\u003Ch5>\u003C/h5>\n\u003Ch5>\u003Cb>Client&#8217;s situation\u003C/b>\u003C/h5>\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/p>\n\u003Ch5>\u003C/h5>\n\u003Ch5>\u003Cb>CBTW&#8217;s approach &amp; scope\u003C/b>\u003C/h5>\n\u003Cp>CBTW was the development team behind Jago, built for Bank Artos in Indonesia. We were responsible for configuring &amp; integrating the core banking system (Mambu), the back office administration console and the mobile (iOS &amp; 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/p>\n\u003Cp>&nbsp;\u003C/p>\n\u003Cp>Features included:\u003C/p>\n\u003Cul>\n\u003Cli>Customer Registration\u003C/li>\n\u003Cli>KYC Process\u003C/li>\n\u003Cli>Online Transfers\u003C/li>\n\u003Cli>Transaction Management\u003C/li>\n\u003Cli>Bill Payments\u003C/li>\n\u003Cli>Wallet Top-ups &amp; Notifications\u003C/li>\n\u003Cli>Applying defense-at-depth at different layers and end-to-end encryption through all communication channels\u003C/li>\n\u003Cli>Integration with banking and external systems for payment switching, aggregating bills, e-wallet, etc.\u003C/li>\n\u003Cli>A microservices architecture to draw boundaries between business domains and connect them through eventing (both server-to-server and client-server)\u003C/li>\n\u003C/ul>\n\u003Cul>\n\u003Cli style=\"list-style-type: none;\">\u003C/li>\n\u003C/ul>\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":529,"uploaded_to":530,"date":612,"modified":613,"menu_order":13,"mime_type":533,"type":534,"subtype":535,"icon":536,"width":546,"height":545,"sizes":614},14497,"Investment portfolio Indonesia","Rupiah.jpg",323662,"https://admin.cbtw.tech/wp-content/uploads/Rupiah.jpg","https://cbtw.tech/apac/collaboration-betters-the-world/locations-indonesia/rupiah/","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":540,"thumbnail-height":616,"medium":617,"medium-width":542,"medium-height":618,"medium_large":608,"medium_large-width":543,"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://admin.cbtw.tech/wp-content/uploads/Rupiah-100x67.jpg",67,"https://admin.cbtw.tech/wp-content/uploads/Rupiah-800x533.jpg",533,512,"https://admin.cbtw.tech/wp-content/uploads/Rupiah-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://admin.cbtw.tech/wp-content/uploads/Bank-BTPN-800x467.png\" alt=\"\" width=\"163\" height=\"95\" srcset=\"https://admin.cbtw.tech/wp-content/uploads/Bank-BTPN-800x467.png 800w, https://admin.cbtw.tech/wp-content/uploads/Bank-BTPN-100x58.png 100w, https://admin.cbtw.tech/wp-content/uploads/Bank-BTPN.png 853w\" sizes=\"auto, (max-width: 163px) 100vw, 163px\" />\u003C/h5>\n\u003Ch5>\u003C/h5>\n\u003Ch5>\u003Cb>Client&#8217;s situation\u003C/b>\u003C/h5>\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/p>\n\u003Cp>&nbsp;\u003C/p>\n\u003Ch5>\u003Cb>CBTW&#8217;s approach &amp; scope\u003C/b>\u003C/h5>\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/p>\n\u003Cp>&nbsp;\u003C/p>\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/p>\n\u003Cp>&nbsp;\u003C/p>\n\u003Cp>Features included:\u003C/p>\n\u003Cul>\n\u003Cli>Core Banking integration – Finastra\u003C/li>\n\u003Cli>KYC &amp; Account Opening\u003C/li>\n\u003Cli>Transfer money, manage bank accounts\u003C/li>\n\u003Cli>Card management\u003C/li>\n\u003C/ul>\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":529,"uploaded_to":530,"date":632,"modified":633,"menu_order":13,"mime_type":533,"type":534,"subtype":535,"icon":536,"width":634,"height":634,"sizes":635},14493,"Money indonesia","ChatGPT-Image-Apr-29-2026-10_06_02-AM.jpg",255078,"https://admin.cbtw.tech/wp-content/uploads/ChatGPT-Image-Apr-29-2026-10_06_02-AM.jpg","https://cbtw.tech/apac/collaboration-betters-the-world/locations-indonesia/chatgpt-image-apr-29-2026-10_06_02-am/","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":540,"thumbnail-height":540,"medium":637,"medium-width":542,"medium-height":542,"medium_large":629,"medium_large-width":543,"medium_large-height":543,"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://admin.cbtw.tech/wp-content/uploads/ChatGPT-Image-Apr-29-2026-10_06_02-AM-100x100.jpg","https://admin.cbtw.tech/wp-content/uploads/ChatGPT-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://admin.cbtw.tech/wp-content/uploads/logo-spinpay.png\" alt=\"\" width=\"300\" height=\"93\" srcset=\"https://admin.cbtw.tech/wp-content/uploads/logo-spinpay.png 528w, https://admin.cbtw.tech/wp-content/uploads/logo-spinpay-100x31.png 100w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" />\u003C/p>\n\u003Ch5>\u003C/h5>\n\u003Ch5>\u003Cb>Client&#8217;s situation\u003C/b>\u003C/h5>\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/p>\n\u003Ch5>\u003C/h5>\n\u003Ch5>\u003Cb>CBTW&#8217;s approach &amp; scope\u003C/b>\u003C/h5>\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/p>\n\u003Cp>&nbsp;\u003C/p>\n\u003Cp>Features included:\u003C/p>\n\u003Cul>\n\u003Cli style=\"list-style-type: none;\">\n\u003Cul>\n\u003Cli>Developed a loyalty management back-office\u003C/li>\n\u003Cli>Fully bespoke rules engine\u003C/li>\n\u003Cli>Integration with SPIN Pay and other MNC Group systems for activity tracking.\u003C/li>\n\u003Cli>Merchant integration\u003C/li>\n\u003Cli>Membership levels &amp; tiering based off rules\u003C/li>\n\u003Cli>Points, cashback, discount and voucher reward distribution.\u003C/li>\n\u003C/ul>\n\u003C/li>\n\u003C/ul>\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":529,"uploaded_to":647,"date":648,"modified":648,"menu_order":13,"mime_type":533,"type":534,"subtype":535,"icon":536,"width":649,"height":650,"sizes":651},12876,"2149151172","2149151172.jpg",656503,"https://admin.cbtw.tech/wp-content/uploads/2149151172.jpg","https://cbtw.tech/insights/ai-fintech-product-delivery/attachment/2149151172/",12596,"2026-03-11 07:02:01",1000,667,{"thumbnail":652,"thumbnail-width":540,"thumbnail-height":616,"medium":653,"medium-width":542,"medium-height":654,"medium_large":645,"medium_large-width":543,"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://admin.cbtw.tech/wp-content/uploads/2149151172-100x67.jpg","https://admin.cbtw.tech/wp-content/uploads/2149151172-800x534.jpg",534,{"acf_fc_layout":656,"tag_name":657,"section_title":658,"description":659,"image":501,"cta_link":660,"align_center":501,"hubspot_form_id":548},"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. 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