The wide disbursement of Indonesia’s vast population across many rural areas spread across over 17,000 islands constrain Micro Finance Institutions’ reach and makes operations costly, thus hampering growth and profitability. Paper document intensive processes also result in poor transparency and further operational inefficiencies. Kartuku’s solutions leverage EDC/POS payment technology to enable Micro-Finance Institutions to effectively reach out to and serve Indonesia’s under-served and ‘unbanked’ populations and digitize transaction processes, thereby delivering new avenues of growth and improving profitability.

​

​Collection and Disbursement Solution (CaD) – securely facilitating mobile cash collection and disbursements operations with real-time PIN-based authentication and signature verification processes. ​Click here to find out more about this solution...

​

​Biometric Collection and Disbursement (BioCaD) - applying fingerprint
authentication technology to maximize security of mobile cash collection and disbursement operations, while also addressing illiteracy challenges.

​

​Collection Management (CoM) – securely facilitating mobile cash collection operations by verifying and updating customers’ accounts electronically at the point-of-collection and in real-time.

​

​EDC/POS Mini ATM – enhancing the customer experience and services by offering additional comprehensive bill payment and fund transfer transaction functionality on the EDC/POS terminal. ​

​

​EDC/POS Terminal Access - opening up access to Kartuku’s nationwide network of deployed EDC/POS terminals at which customers can make payments.

​