Indonesia ranks among the world's top users of mobile phones, and it is not uncommon for consumers to have more than one mobile handset. But many of the country's people live far from banks. Cashless payments through mobile phones bridge this barrier, as well as offer greater convenience for those living in urban areas. Through access to mobile money, day-to-day transactions -- from grocery purchases, to paychecks, to receipt of funds from overseas family members -- can be conducted quickly and securely.

Mobile Payment Solution
XL is at the forefront of delivering new mobile services, and serves more than 46 million subscribers. Its mobile payment platform will not only bring the advantages of mobile payment to consumers, but allow XL and its ecosystem partners of banks, merchants, transportation companies, billers and other remittance agents to develop new services that drive revenue and strengthen relationships with consumers.

XL turned to TIBCO due to its proven ability to handle high-transaction volumes in real-time, speed time-to-market with new functions, and deliver end-to-end visibility. The new platform includes:

TIBCO ActiveSpaces® Transactions, an in-memory transactional application server, ideal for demanding mobile payment and other real-time applications that place a premium on performance, availability and cost-effectiveness.
TIBCO BusinessEvents®, which helps companies identify and quantify the impact of events so processes can be adapted on-the-fly, and businesses can take action to capitalize on opportunities and remediate threats. Its unique, model-driven approach collects, filters, and correlate events to deliver real-time operational insight.

Supporting Quotes:
"The mobile payment market in Indonesia represents a new opportunity for XL, with strong revenue potential," said Dian Siswarini, Director of Technology, Content & New Business XL. "To help us achieve a leadership position in the cashless payments ecosystem, we selectedcted TIBCO, which had proven its value to us during a successful SOA deployment. We look forward to offering our subscribers and partners the full benefits of real-time mobile payments and associated services."

"Its mobile payment platform positions XL at the center of an event-driven business process, involving complex interactions among subscribers and service providers," said Mark Fahmy, managing director Asia Pacific/Japan, TIBCO. "With TIBCO software, XL and its partners can confidently and cost effectively deliver a quality payment experience in real-time, with unmatched reliability and performance. The solution supports business growth by providing insights that help determine the best strategies to strengthen relationships and build brand loyalty."