BTPN’s Jenius launches ‘Moneymoji’

  • A way to send money online with animated greeting cards
  • Has more than half a million users on its platform


BTPN’s Jenius launches ‘Moneymoji’


INDONESIAN PT Bank Tabungan Pensiunan Nasional Tbk (Bank BTPN) through its digital financial services platform Jenius, launches the ‘Moneymoji’ feature that allows users to send money along with animated greeting cards.

BTPN digital banking head Peterjan van Nieuwenhuizen (pic) explained that the idea behind this feature started from the results of online surveys conducted by Jenius among 360 users in Jakarta, Bogor, Depok, and Tangerang in May.

This survey aimed to discover the financial behaviour of the digital-savvy during Ramadan and Eid.

“In addition to consumptive spending, the digital-savvy were also allocated funds specifically to share with their families and surroundings.”

The survey showed that 78% of Jenius users chose the ‘Send It’ feature as the most helpful feature during this festive month. ‘Send It’ is a feature on Jenius to send money and pay bills.

He adds that the ‘Moneymoji’ is available in three different animated virtual cards, of which, two are designed for the Ramadhan and Eid season and the other one is the general greeting. Users are allowed to customise their messages.

“We also have a plan to keep this feature for general and several other occasions in the future.”


BTPN’s Jenius launches ‘Moneymoji’


Jenius users are able to send money with this feature to non-users. If the receiver provides a mobile number, they will receive by SMS a link to register to Jenius and if they also provide a bank account number, they will receive the money directly into their account.

Launched in early 2016, Jenius is a digital banking innovation that targets urban communities and technology-literate users.

Through Jenius, users are able to open a bank account without the need to come to the branch office. However, users are still required to meet with Jenius’s ‘KYC agent’ in order to complete the registration.

“Although, we are planning to be fully online by utilising video call for the registration process, we are waiting for approval from the regulators.”

It now has more than half a million users in Greater Jakarta area (JaBoDeTaBek), Bandung, and Surabaya.

Nieuwenhuizen explains to Digital News Asia that the key drivers of their growth are maintaining a digital presence, expansion and the network effect of users.

“By continuing to push our digital presence, we are able to create awareness. Also by actively pushing the message and services across Indonesia once the non-meeting step is approved, we will be able to expand faster.”


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EV Hive and Jenius launch co-working space

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