Fintech in our view is a partner

fintech or financial technology, is a new industry that arises due to changes in people's economic
behavior patterns, which are dominated by technology users with the demands of fast-paced life

fintech here I think as an emerging industry that is actually good for banks, I think fintech can have a
positive impact on the economy, which means banks will also have a positive impact.

At BTPN, as we are serious about continuing to improve digitalization, we will make innovations, which
as I said about partners, we will adopt the business model used by Fintech

So, We have innovations to make J-Pay,

What is J-Pay??

J-pay is a supporting product for JENIUS services that we have developed before

Actually, to have a J-pay account, consumers simply register through the Jenius app

here also we make it easy to register as a Jenius customer, that is, without the need to come to the
bank, and only need to register via mobile.

1. Download the J-Pay application

2. Fill in personal data in accordance with existing provisions

3. After that, the customer will be linked directly to cs Bank BTPN for data verification.

4. The last stage the customer waits for verification within 1x24 hours.

5. Once verified, the Jenius account will automatically be used

After the Jenius account is verified, do the following

1. Download the J-Pay application

2. Fill in your Jenius account data
3. Verify your account by using the notifications that appear in Jenius
4. after verified, your J-pay account can be used

The J-Pay

- platform that allows us to make payments both offline and online.

- Has facilities to pay at several existing merchants and online buying and selling sites only through
mobile phones

- Even with minimal signal J-pay is still accessible

- J-pay also provides pay later (landing) services in maximum amounts varying according to the
borrower's identity

- For pay later services, this applies to online-based purchases.

For paylater facilities, short-term payment options will be provided
3mth, 6mth, 12mth, with a fixed rate of 1% / three months

For payments at merchants and micro, small and medium businesses, we will use the payment method
using the qr code

In addition to payment, J-pay also provides various facilities including transfers, between J-Pay accounts,
transfers between banks, and also transfers between fintech platforms (ovo, go-pay)

Under the condition :

There is no transfer fee for J-pay

There are no transfer fees between BTPN banks

Between other banks and other platforms there is a free transfer fee of up to 10x, then a 2,500 transfer
fee is applied

In its journey, we will certainly work together with various merchants and micro, small and medium
enterprises, and e-commerce. For marketing this product, going through advertising media and opening
up opportunities to contract sales marketing services, to approach consumers who may not be
affordable.

Closes

they move side by side with banks, the intention is that fintech can be a push factor, for example in the
top-up process now fintech provides top-ups via banks which indirectly triggers users to have a bank
account.