MKP Mobile - Banking System

Mobile Banking Platform for Scalable Digital Banking Growth

Empower your bank with a fully integrated Bank-as-a-Service ecosystem from front end mobile apps to middleware and core banking systems.

Designed for Seamless Banking Experience

Deliver a modern, intuitive mobile banking interface that enables users to manage transactions, lifestyle services, and financial products in one unified platform securely and in real time.

Financial Solutions that Power Communities

Wealth Management

A complete multi-investment platform embedded directly into your mobile banking app — deposits, mutual funds, stocks, and gold accessible in one seamless journey.

Integrated Multi-Investment Access
Deposits, mutual funds, stocks, and gold in one app — giving your customers a unified wealth-building experience.
Embedded Investment Journeys
Drive higher CASA & fee-based income through curated investment flows built directly into your platform.
Real-Time Processing
Seamless onboarding & secure transaction flow — from account opening to investment execution in minutes.
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Financial Solutions that Power Communities

Basic Transaction Banking

A full-featured transaction banking suite that enables your customers to manage accounts, transfer funds, and pay bills — all within a single, secure platform.

Full Transaction Suite
Balance inquiry, BI-Fast transfer, QRIS, and account management — covering every everyday banking need.
Flexible Banking Operations
Support multi-account & multi-load programs to serve diverse customer segments and business models.
Secure Transactions with Real-Time History Tracking
Enable instant fund transfers via BI-Fast and RTOL with real-time transaction experiences for your customers.
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Financial Solutions that Power Communities

Embedded Digital Products

A lifestyle webview module ready to embed into your mobile banking app — turning your platform into a full-featured digital commerce and lifestyle hub.

Lifestyle Webview Ready to Embed
A lifestyle webview module that can be seamlessly embedded into your mobile banking app with minimal integration effort.
Access to Millions of Inventories
Increase transaction frequency through PPOB, eSIM, entertainment, and more — giving customers more reasons to open your app.
Turn Banking into a Transaction Hub
Drive higher engagement and revenue through built-in commerce and lifestyle services inside your mobile banking.
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Wealth Management
Wealth Management
Deposits, mutual funds, stocks & gold — all in one embedded experience.
Basic Transaction Banking
Basic Transaction Banking
BI-Fast, QRIS, multi-account support & real-time transaction history.
Embedded Digital Products
Embedded Digital Products
PPOB, eSIM, lifestyle & commerce — embedded inside your banking app.
Core Features

Built-in Loyalty & Promo Engine

Maximize Customer Lifetime Value with an end-to-end loyalty ecosystem — from earning to redemption, tier membership, to gamified engagement.

Earning Engine
Flexible Point Generation

Generate points flexibly from transactions, activities, or special events — with fully configurable rules.

Redemption System
Real-Time Rewards Exchange

Redeem points in real time across various reward channels — merchandise, digital vouchers, cashback, and more.

Point-to-Payment
Convert Points into Payment

Convert points into a payment instrument that can be used directly for transactions — boosting customer engagement and retention.

Tier Membership
Drive Long-Term Loyalty

Segment customers into membership tiers that drive long-term loyal behavior with exclusive rewards and privileges at each level.

Voucher & Promo Engine
Independent Campaign Management

Create, manage, and distribute voucher & promo campaigns independently, with no technical dependency — straight from the dashboard.

Rules & Mission Engine
Gamified Dynamic Engagement

Boost engagement with dynamic campaign logic — missions, challenges, and rewards that can be customized for every customer segment.

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Infrastructure

Robust, Secure & Scalable Core Banking

MKP delivers a modular banking architecture designed for performance, security, and full regulatory compliance.

Account Management
User Activation & Access Control
Full lifecycle management of user accounts — from onsite and online activation to access control and mobile banking administration.
Onsite Activation Fase 1
In-person agent-assisted account opening
Online Activation Fase 2
Self-service digital registration flow
Block / Unblock User Mobile
Instant access control for mobile banking users
Transaction Engine
Basic Transaction Banking
A complete suite of banking transactions — interbank transfers, virtual account top-ups, BI-Fast, and full transaction history.
Inquiry Balance
Real-time account balance check
Transfer On Us
Same-bank instant transfer
Transfer Off Us
Interbank transfer via national clearing
Transfer BI Fast
24/7 real-time interbank settlement
Online Transfer
Digital channel transfer
Setor via Bank Lain (VA)
Top-up from other banks via virtual account
History Transaction
Full transaction log & statement
Payment & Transaction
Payments, QRIS & Mini Apps
End-to-end payment processing covering bill payments, QRIS merchant acceptance, and an extensible Mini Apps ecosystem.
PPOB
Bill payment — electricity, water, internet, and more
CCW
Cash collection & withdrawal
QRIS
National QR standard merchant payments
Mini Apps Program
Extensible in-app micro-service ecosystem
Comprehensive Tools
Reporting, Audit & Loan
Operational tooling for finance teams — from Excel exports and pricing management to full audit trails and integrated loan module.
Reporting & Export Excel
Scheduled and on-demand financial reports
Pricing Management
Configure fee structures per product and channel
User Audit Trail
Full traceability of all user and admin actions
Loan Module
Integrated lending and repayment management
Certified System
ISO Certified & Compliant
MKP's platform is certified under internationally recognized standards for information security and quality management.
ISO 27001:2022 & ISO 9001:2015
ISO 27001:2022
Information Security & Data Processing Management System
ISO 9001:2015
Quality Management System
Layer API
SNAP-Ready Open API
Fully aligned with Bank Indonesia's SNAP standard for open banking, secured with double-layer message encryption on every API call.
SNAP Compliant
Standar Nasional Open API Pembayaran — Bank Indonesia standard
Double-Layer Encryption
End-to-end message security on all API calls
Layer Database
Database Security Layer
All sensitive data is protected with end-to-end encryption at the database layer, ensuring compliance and breach prevention.
Enkripsi Data Sensitif
AES-grade encryption for all personally identifiable and financial data at rest
Layer Network
Secure Network Infrastructure
Enterprise-grade network setup with IP Security tunnels ensuring encrypted, authenticated communication between all banking nodes.
Setup Network
Custom network architecture per deployment environment
IP Security Tunnel
IPSec-based encrypted tunneling between banking nodes
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Why Choose MKP

Why Banking Services?

01
End-to-End Bank-as-a-Service
Mobile app to middleware & core banking in one ecosystem
02
Beyond Banking Ecosystem
Travel, lifestyle & digital products embedded in one platform
03
Revenue-Driven Architecture
Designed to maximize fee-based income & transaction growth
04
Enterprise-Grade Security
ISO-certified with multi-layer encryption & secure network
05
Customizable & Scalable
Flexible modules tailored from regional banks to enterprise
01
End-to-End BaaS
End-to-End Bank-as-a-Service
MKP delivers the full banking stack — from customer-facing mobile apps to middleware integration and core banking infrastructure — all under one ecosystem. No juggling multiple vendors.
Mobile Banking Core Banking Middleware API-Ready Single Vendor
02
Beyond Banking
Beyond Banking Ecosystem
Go beyond traditional banking with MKP's embedded travel booking, lifestyle rewards, and digital product distribution — creating new revenue streams and deepening customer engagement in one unified platform.
Travel Tech Lifestyle Digital Products Rewards Super App
03
Revenue Architecture
Revenue-Driven Architecture
Every module in MKP's platform is engineered around revenue generation — from fee-based transaction flows and loyalty loops to PPOB margins and agent banking commissions. Growth is built into the architecture.
Fee-Based Income Transaction Growth Agent Banking PPOB Loyalty
04
Enterprise Security
Enterprise-Grade Security
MKP's platform is ISO 27001 and ISO 9001 certified, featuring multi-layer encryption at API, database, and network layers — plus IP Security tunnels and compliance-ready audit trails for every transaction.
ISO 27001 ISO 9001 Multi-Layer Encryption IPSec Audit Trail
05
Flexible & Scalable
Customizable & Scalable
MKP's modular design means regional BPRs and national banks alike get exactly what they need — no over-engineering, no bloat. Scale from a single product to a full digital banking suite as your institution grows.
Modular Regional Banks Enterprise White-Label Scalable
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Reliable Front End Banking Solutions

Testimonials

Happy Client, Happy Life

Absolutely thrilled with my purchase! Outstanding product, exceptional service, and overall an excellent buying experience.

Darlene Robert

Agen Individu

Absolutely thrilled with my purchase! Outstanding product, exceptional service, and overall an excellent buying experience.

Darlene Robert

Agen Individu

Absolutely thrilled with my purchase! Outstanding product, exceptional service, and overall an excellent buying experience.

Darlene Robert

Agen Individu

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