TOP Products
TOP Operator
A field operations support application equipped with remote attendance, lead generation, sales, surveys, and collections—enhanced with OCR, face recognition, liveness detection, and QRIS/VA payment capabilities.
Key Features
E-KYC
Internal Scoring & ICS
Attendance & Leave Requests
Surveys & Online Payments
Sales
Surveyor
Collection
Loan Simulation & Amortization
Survey Assessment & Results
Billing List & Payment Deferral
Approvals
Remote Attendance
TOP CBS
A core banking application designed to support daily banking operations, with secure data storage, backup mechanisms, and online access anytime, anywhere.
Key Features
Interbank Transfers & Virtual Accounts
CKPN
Accounting
Automation
Customizable Reporting
Additional Features
- Customer Module
- Savings Module – Savings Accounts
- Savings Module – Time Deposits
- Savings Module – From Other Banks
- Loan Module – Credit
- Loan Module – From Other Banks
- Interbank Asset Module (ABA)
- Accounting Module
- Collateral Asset Module
- Fixed Assets & Inventory Module (ATI)
- AML/CFT Module (APU-PPT: DTTOT, Proliferation)
- User & Menu Access Control Module
- System Parameter Settings Module
- Dashboard Module
- OJK Regulatory Module (SLIK & APOLO)
- API Module – Internal & External
TOP CCS
A cooperative core system designed to support daily operations, with secure data storage, backup capabilities, and online access anytime, anywhere.
Key Features
Operational Management
Savings & Loan Products
Accounting
Virtual Account
Ultra Micro Financing
Additional Features
- Member Module
- Savings Module
- Term Deposit Module
- Loan Module
- Group Lending Module
- Operational Module
- Accounting Module
- Collateral Asset Module
- Fixed Assets & Inventory Module (ATI)
- AML/CFT Module (APU-PPT: DTTOT, Proliferation)
- User & Menu Access Control Module
- System Parameter Settings Module
- Dashboard Module
- Reporting Module
- API Module – Internal & External
Application Security Features
Transaction Authorization
- Authorization is required when transaction values exceed predefined limits.
- Transaction limits for authorizers/tellers can be configured for both cash and non-cash transactions.
- Authorization approvals can be performed via the SiBPR application, Android mobile devices, fingerprint authentication, or directly on the user’s workstation.
- All user activities are logged for audit and compliance purposes.
Password Policy
- All users are required to use passwords with a minimum of 6 characters, including a combination of uppercase and lowercase letters, numbers, and symbols.
- Passwords expire every 3 months and cannot be reused.
Menu Authorization
- Each user is assigned menu access based on defined roles and responsibilities.
- Temporary access can be granted to substitute users when a user is unavailable (leave, permission, or absence).
TOP Mobile
A mobile banking application for customers, offering QRIS payments, interbank transfers, and virtual accounts for deposits and loan repayments.
Key Features
QRIS
Cardless ATM Access
Open Banking
PPOB (Bill Payments)
Additional Features
Transaction Network
- Interbank Transfers
- QRIS
- Virtual Account (VA)
Accounts
- Savings Account
- Time Deposit
Open API
- Integration-ready with multiple platforms
Financial Services
- Investment
- Loans
Payment Services
- PPOB
- PLN
Credit Scoring
Account Opening
Savings & Deposit Management
Intra-Account & Interbank Transfers
Loan Applications
QRIS Payments
TOP Connect
A real-time integration platform connecting multiple applications, delivering financial services such as eKYC, credit scoring, fraud detection, AML/CFT (APU-PPT), and seamless connectivity to a wide range of third-party services.
