SMARTCS
Move Customer Service Beyond the Counter
Empower customers with faster, more convenient banking services while helping branches operate more efficiently.
SmartCS is a secure Digital Customer Service (CS) Kiosk designed to automate routine customer service transactions, extend service availability, and support the transformation of modern bank branches.
Customer Expectations Are Changing. Branch Operations Must Evolve.
Customers expect banking services to be faster, simpler, and available beyond conventional counter hours.

At the same time, banks must improve operational efficiency, manage growing service demand, and enable branch employees to focus on more valuable customer interactions.
SmartCS bridges these priorities by moving routine customer service transactions into a secure and user-friendly self-service environment.
Deliver More Value Across Every Branch
Improve Customer Experience
Provide faster and more convenient access to essential banking services through an intuitive digital journey.
Increase Service Capacity
Serve more customers without continually adding customer service counters or increasing operational complexity.
Optimize Workforce Productivity
Reduce repetitive administrative workload and allow employees to focus on consultation, problem-solving, and relationship building.
Extend Service Availability
Enable customers to access selected banking services beyond conventional branch service hours.
Standardize Service Quality
Deliver a more consistent customer experience across branches and service locations.
Support Branch Transformation
Create a more modern, efficient, and digitally enabled banking environment.
One Digital Platform for Essential Customer Services
SmartCS can support a wide range of customer service transactions, including:
Account management
Card issuance and replacement
Passbook and account statement services
Mobile and online banking services
Credit card services
Customer information updates
Other customized banking transactions as required
Features, workflows, interfaces, peripherals, kiosk designs, and system integrations can be adapted to the bank’s business and technological requirements.
Designed for Different Branch Profiles
Not every branch has the same customer traffic, available space, service requirements, or operational priorities.
PT Murni, as the pioneer and only provider of full-range SmartCS (Digital CS) solutions, provides flexible 4-card, 5-card, 6-card, and 8-card configurations that can be adapted for different branch profiles and operational needs nationwide – from compact service locations to high-traffic flagship branches.

The solution can also evolve as the bank introduces new services, workflows, and business requirements.
SmartCS (4-Card)
Cost-efficient
Entry-level Solution
SmartCS (5-Card)
PracticalÂ
Mid-range Solution
SmartCS (6-Card)
Balanced
Configuration
SmartCS (8-Card)
Complete &
High-capacity Solution
More Than a Self-Service Kiosk
SmartCS goes beyond transaction automation by becoming a strategic customer engagement and digital advertising channel within the branch.
Its screen can display targeted banking campaigns, promote relevant products and services, strengthen cross-selling opportunities, and potentially generate additional advertising revenue through selected external partnerships.
By combining self-service transactions with digital promotion, SmartCS helps banks maximize every customer interaction while building a scalable platform for future branch innovation.
Built for Banking. Designed for Long-Term Transformation.
In-house Product & Software Development by PT Murni
SmartCS is fully designed and developed by PT Murni, enabling greater flexibility for customization, integration, and future enhancements.
Flexible and Scalable
Adapt SmartCS to different branch profiles, service requirements, and implementation strategies across your network.
Integration Expertise
Seamlessly integrate SmartCS with relevant banking systems, hardware, software, and supporting devices/ peripherals – backed by PT Murni’s 33+ years of system integration experience in the banking industry.
Real-time Dashboard Monitoring
Gain centralized visibility into kiosk operations and service performance across nationwide deployment locations.
Nationwide Support Coverage
Deploy with confidence through PT Murni’s nationwide implementation capabilities and reliable after-sales support.
PT Murni: Your Trusted Partner for Banking Technology Transformation
Successful digital transformation requires more than technology. It requires a trusted partner with the experience, capabilities, and nationwide service infrastructure to support the entire implementation lifecycle.
PT Murni brings together extensive banking industry experience, in-house product and software development, system integration expertise, proven project implementation capabilities, and nationwide support – helping banks deploy SmartCS with confidence.
Why Partner with PT Murni?
The Pioneer and Only Provider of a Full-range Digital CS (SmartCS) Solutions
Hundreds of Successful SmartCS Implementations Nationwide
In-House Product, Software Development & System Integration Teams
33+ Years of Experience as Banking Solution Provider
100+ Service Points Nationwide
6 Branches across Indonesia
10 Minute to 2 Hour Response TimeÂ
2 - 6 Hours Resolution Time
99.88% - 100% Nationwide SLA Achievement
Ready to Move Customer Service Beyond the Counter?
Discover how SmartCS can help your bank improve customer experience, increase branch service capacity, and accelerate digital transformation.
Our banking solutions team will help identify the right SmartCS approach based on your branch strategy, customer service priorities, and technology environment.