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Use Case

Financial & Cooperative Services

Digital cooperatives, bill payment, and integrated financial services in one platform.

Digital Cooperative Bill Payment Utility Payments Financial Services
Scope

This page describes the scope of the technology in use. The status of each product and initiative can be seen on the Ecosystem.

Problem

How things stand today.

Cooperative financial services and payments are still spread across separate applications, so members have to switch channels for different needs.

Current Challenges

  • Cooperative services and payments run separately.
  • Member transaction records are not centralised.
  • Service access is limited to certain working hours.
  • A complicated interface makes things hard for members.

Engine Solution

What we build.

Koperasi Pintar is a digital cooperative and bill payment platform in the Engine Blockchain ecosystem, covering bill payments, mobile top-ups, and integrated financial services with 24/7 access.

Blockchain Architecture

The layers behind this use case.

Field data arrives through the application, is verified by a smart contract, and is then recorded permanently on the Engine Blockchain ledger.

Explore the infrastructure
  1. 01

    Application Layer

  2. 02

    Wallet & API

  3. 03

    Smart Contract

  4. 04

    Engine Blockchain

  5. 05

    Consensus (pBFT)

  6. 06

    Network (EBC85)

  7. 07

    Data

Workflow

The process from end to end.

  1. 01

    Members reach the services through the application.

  2. 02

    Bill payment and utility transactions are processed.

  3. 03

    Cooperative services are managed in the same platform.

  4. 04

    Transaction history is available to members and administrators.

Objectives

What this use case aims for.

The list below sets out the objectives, not results that have been measured.

  • Cooperative services and payments sit in one application.
  • Services are available at any time.
  • The interface is designed to be easy for members.
  • Transaction records are managed centrally.

Next

Other use cases.

Government & Smart City

Public services, digital identity, and city infrastructure whose data can be verified.

  • Digital Government
  • Digital Identity
  • Public Records
  • Smart City
See use case

Agriculture

A digital farming ecosystem from field to market, combining blockchain with AI and IoT.

  • Farm Traceability
  • Supply Chain
  • AI & IoT
  • Product Authentication
See use case

Fisheries & Coastal Community

Seafood supply chains and digital services for coastal communities.

  • Catch Tracking
  • Seafood Supply Chain
  • Digital Identity
  • Community Wallet
See use case

News

Related reading.

Contact

Let's build what comes next.

Have an idea, a business challenge, or an ecosystem that blockchain could improve? Let us talk about what we can build together.

Start a Conversation admin@engineblockchain.io