Index
Three headline cases.
| Client | Period | Scope in brief | Related products |
|---|
| BNI | 2016–2021 | VA Credit · digital wallet & QR YAP! · QRIS acquiring · SPE's broadest product portfolio | SPECVA · QRISAN |
| Permata Bank | 2020 | The first QRIS acquiring system in SPE's track record | QRISAN |
| Bank DKI (Bank Jakarta) | 2022–2023 | VA · QRIS acquiring · Debit | SPECVA · QRISAN · CRING! |
BNI
2016 – 2021
Context
The longest partnership in SPE's track record. It began in 2016 with the VA Credit application — the system that became SPECVA — and grew into the broadest payment product portfolio we have built for a single bank.
Scope built
| Year | What was built |
|---|
| 2016 | Development of the VA Credit application. |
| 2017 | Focus on acquisition and further development of the VA Credit system. |
| 2019 | Development of VA Credit, a digital wallet, and the YAP! QR payment system. |
| 2021 | A QRIS acquiring system (the second in SPE's track record) and a full system rebuild to Bank Indonesia standards. |
Product portfolio in production
BNI eCollectionYAP!BNI mobile merchantmobile DeVABNI AutodebetBNI Digital InvoiceAutoPayRDL P2P SwitchingSmartPay by BNI DIGI Banking
Products involved
SPECVAQRISAN
The core VA & QRIS systems used at BNI were rebranded as SPECVA & QRISAN in 2024.
Measured outcomes — awaiting client validation
This slot is deliberately left empty. Impact figures (implementation time, volume, efficiency) will only be published once validated with the client — never filled in with estimates.
Implementation time: —Transaction volume: —Operational efficiency: —
Permata Bank
2020
Context
The first QRIS acquiring system we ever built, with Permata Bank in 2020. It became the first generation of QRISAN; the experience carried into BNI (2021) and Bank DKI (2022).
Scope built
| Year | What was built |
|---|
| 2020 | The first QRIS acquiring system in SPE's track record, built with Permata Bank. |
Product portfolio in production
QR Merchant
Products involved
QRISAN
The core QRIS system used at Permata Bank was rebranded as QRISAN in 2024.
Measured outcomes — awaiting client validation
This slot is deliberately left empty. Impact figures (implementation time, volume, efficiency) will only be published once validated with the client — never filled in with estimates.
Implementation time: —Transaction volume: —Operational efficiency: —
Bank DKI (Bank Jakarta)
2022 – 2023
Context
Three channels at once for Jakarta's regional development bank: virtual accounts, QRIS acquiring, and Debit. Developed in 2022, launched in 2023 — alongside the CRING! bank facilitator.
Scope built
| Year | What was built |
|---|
| 2022 | Development of the CRING! bank facilitator plus QRIS acquiring and VA Credit systems with Bank DKI. |
| 2023 | Launch of Bank DKI's QRIS, VA Credit, and Debit. |
Product portfolio in production
VA Bank DKIQRIS Bank DKI
Products involved
SPECVAQRISANCRING!
The core VA & QRIS systems used at Bank DKI were rebranded as SPECVA & QRISAN in 2024.
Measured outcomes — awaiting client validation
This slot is deliberately left empty. Impact figures (implementation time, volume, efficiency) will only be published once validated with the client — never filled in with estimates.
Implementation time: —Transaction volume: —Operational efficiency: —
