PNM Strengthens Customer Digital App for Enhanced Empowerment Benefits

For millions of PNM Mekaar customers who struggle daily to develop their businesses and improve their families’ welfare, time and convenience are extremely valuable. Amidst busy activities, the need to obtain financing information, shop for daily necessities, and access training no longer has to be done separately. Everything can be accessed through one application, PNM Digi Nasabah. This application is a digital ecosystem designed to provide practical, fast, and secure service convenience. Through one application, customers can access various services that support business activities and daily household needs. PNM’s Director of Digital and Information Technology, Yusron Avivi, explained that PNM Digi Nasabah was developed not merely as a service application, but as part of an empowerment strategy that utilises technology to bring various benefits closer to ultra-micro customers. “We designed PNM Digi Nasabah as a simple, easy-to-use digital ecosystem that is relevant to customers’ daily needs. From access to financing information, learning, basic needs transactions, to empowerment programmes. We believe that when technology is made closer and easily accessible, the benefits will be even greater in helping customers move up the economic ladder,” said Yusron. One of the most felt benefits for customers is the ease of monitoring financing information. There is a feature where customers can view financing transaction history, check group status, and obtain notifications regarding instalments and Weekly Group Meetings. The presence of this feature helps customers manage their financing obligations in a more orderly and planned manner. Not only that, the application also features Warung Mekaar, a feature that allows customers to purchase basic necessities at more affordable prices with an easy transaction process. This service provides added value because it helps customers save on household expenses while supporting the sustainability of their businesses. For customers who wish to continuously improve their capacity, the Customer Portal serves as a digital learning space providing various training materials, business education, and skills development. Through this feature, access to knowledge is no longer limited by distance and time. Customers can learn anytime according to their needs, making them better prepared to face evolving business challenges. PNM Digi also helps meet the community’s digital needs through services for purchasing credit, data packages, and electricity tokens at competitive prices. This feature is a practical solution for customers who need communication access and connectivity to support business activities and daily family needs. Every activity in the application also provides additional benefits through Digi Points, which are points that can be collected and used by customers within the PNM Digi ecosystem. Title: PNM Strengthens Customer Digital App for Enhanced Empowerment Benefits. Interestingly, PNM Digi does not only focus on the economic aspect. Through the Kembangs feature, customers are invited to participate in managing paper, plastic, and other unused material waste. This programme is part of an effort to build environmental awareness while creating added value for the community. For customers who are not yet accustomed to using digital technology, the application is designed with a simple and easy-to-understand interface. This approach is important considering that the majority of PNM Mekaar customers come from underprivileged families who are in the process of improving digital literacy and access to formal financial services. According to Yusron, the success of digital transformation is not only measured by the number of users or available features, but by the real benefits felt by customers. “We want to provide easy access to services, improve digital literacy, and open up more opportunities for PNM Mekaar customers to develop their businesses and improve their families’ welfare,” concluded Yusron. Through PNM Digi Nasabah, PNM delivers more than just an application. This platform is a bridge connecting financing, education, transactions, and empowerment in one integrated digital ecosystem. With convenience increasingly within reach, customers have a greater opportunity to grow, develop, and move up the economic ladder with PNM.