Jakarta, CNBC Indonesia – PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) together with Pegadaian and PNM which are members of Ultra Micro Holding, play an important role in economic recovery and increasing financial inclusion. Considering that equal and integrated access to formal financial services is a priority issue that is currently being pursued by state-owned companies in the financial sector.
In welcoming Financial Inclusion Month (BIK) 2023 in October and celebrating its 2nd anniversary, Holding Ultra Micro answered this challenge by launching apps Smile Mobile. This application, which can be accessed by all levels of society, especially the ultra micro segment, offers easy access to various formal financial products and services from 3 entities (BRI, Pegadaian, PNM).
BRI Micro Business Director Supari said that SenyuM Mobile has an important role in increasing financial inclusion and people’s standard of living. He said, SenyuM Mobile will play a strategic role in reaching ultra-micro society down to the deepest layers.
“Allowing them to access the financial services of the 3 Entities directly anywhere and at any time while running a business, especially for savings and investment products. That way access to formal finance will be easy and very close to them,” he said in a written statement quoted on Wednesday (11/10 /2023).
In super apps Smile Mobile There are various features including savings products (Simpedes UMi BRI), investment (Pegadaian Gold Savings), as well as a system referrals to create journey financing, starting from financing the Mekaar PNM group in the ultra micro segment, to being able to upgrade to the micro segment through Pegadaian Pawn financing and BRI Loans. The SenyuM Mobile application can bedownloads via Google Playstore from smartphones Android based.
Smile App Mobile is an extension of the reach of the Ultra Micro Service Center (Senyum) which is now within reach. This application uses analytical data whose basis is the integration of customer data so that empowerment is right on target. This will make it easier for the company to acquire more than 6.9 million new customers to open Simpedes UMi accounts.
Customers new This mainly comes from people who previously did not know banking products at all. With these efforts, apart from increasing financial inclusion, BRI is also instilling financial literacy so that new customers understand better about accessing credit for capital and transactions. cashless.
“So as to form a faster ecosystem and have an impact on growth, this application is also able to make transactions more efficient for customers, thereby increasing extraordinary efficiency,” continued Supari.
Meanwhile, the Main Director of PT Pegadaian Damar Latri Setiawan said that this application is a milestone for MSMEs to carry out comprehensive digital transformation. Ease of access to Micro Payment Ecosystem & Beyond Banking to encourage MSMEs to Go Digital will soon be realized through the SenyuM Mobile application.
“That way, ultra-micro business people will get easy access to various savings and investment products bundling product just by going through smartphones,” explained Damar.
For three dollars, PNM Main Director Arief Mulyadi also believes in the convenience provided by the SenyuM application Mobile can encourage ultra-micro business actors to maximize their business so they can quickly move up to class. “Customers no longer need to go to the bank or outlets Pegadaian, everything can be accessed while running a business so that their business can still run. “This is what they need to make maximum use of their business time,” explained Arief.
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