𝐇𝐨𝐰 𝐂𝐚𝐧 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐈𝐧𝐬𝐭𝐢𝐭𝐮𝐭𝐢𝐨𝐧𝐬 𝐁𝐮𝐢𝐥𝐝 𝐚𝐧 𝐄𝐧𝐭𝐞𝐫𝐩𝐫𝐢𝐬𝐞-𝐆𝐫𝐚𝐝𝐞 𝐀𝐠𝐞𝐧𝐭𝐢𝐜 𝐀𝐈 𝐅𝐫𝐚𝐦𝐞𝐰𝐨𝐫𝐤? By 2028, agentic AI is projected to autonomously drive 15% of everyday decision-making, with one-third of enterprise software

We are excited on our participation in the World Financial Innovation Series – Indonesia 2025. Join us at Booth E7 as we showcase how leading financial institutions are accelerating transformation with: • AI-driven lending workflows • Platform-first modernisation •

In today’s dynamic financial landscape, borrowers need repayment options that align with their unique financial circumstances. pennApps Lending Factory (PLF) redefines loan servicing with its Repayments module, offering flexible schedules like daily, weekly, or seasonal plans,

𝗣𝗲𝗻𝗻𝗮𝗻𝘁 𝗔𝗰𝗵𝗶𝗲𝘃𝗲𝘀 𝗜𝗦𝗢/𝗜𝗘𝗖 𝟮𝟳𝟬𝟬𝟭:𝟮𝟬𝟮𝟮 𝗖𝗲𝗿𝘁𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻, 𝗦𝘁𝗿𝗲𝗻𝗴𝘁𝗵𝗲𝗻𝗶𝗻𝗴 𝗢𝘂𝗿 𝗜𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 𝗦𝗲𝗰𝘂𝗿𝗶𝘁𝘆 𝗘𝘅𝗰𝗲𝗹𝗹𝗲𝗻𝗰𝗲 We’re proud to announce that Pennant Technologies has achieved the ISO/IEC 27001:2022

𝐖𝐡𝐲 𝐌𝐨𝐝𝐞𝐫𝐧𝐢𝐬𝐚𝐭𝐢𝐨𝐧, 𝐍𝐨𝐭 𝐉𝐮𝐬𝐭 𝐃𝐢𝐠𝐢𝐭𝐚𝐥𝐢𝐬𝐚𝐭𝐢𝐨𝐧, 𝐈𝐬 𝐃𝐫𝐢𝐯𝐢𝐧𝐠 𝐭𝐡𝐞 𝐍𝐞𝐱𝐭 𝐖𝐚𝐯𝐞 𝐨𝐟 𝐂𝐨𝐧𝐬𝐮𝐦𝐞𝐫 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 The lending landscape is evolving beyond digitalisation, to true modernisation. Emerging technologies like AI offer