借贷者常常很忙，不能常常去银行分支机构，所以BTPN为其员工配备了可携带的电子设备，这种定制的设备能够像扫描银行卡一样扫描指纹，它也能将资料迅速传回银行总部，如此一来管理人员便可以实时关注贷款及储蓄，而不用花时间等待来自BTPN一千多家分行的表格，而2008年的分支机构是现在的三倍。

Customers are often too busy to drop in to the branch so BTPN equips its staff with portable electronic devices that have been customised to scan fingerprints as well as bank-issued cards.

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例如，银行系统中的银行顾客、帐户、帐号交易等等。而且它与系统的实现无关，不管是一个新的电子商务系统，或是一个从19世纪80年代就开始使用的借贷系统。

For example, a banking system has bank Customer, Account, Account Transaction, etc., and it does not matter if this is a new e-commerce system or a savings and loan system from the 1890s.

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它包括一种虚拟的数字钱币、一套电子出纳转帐借贷系统以及各种形状和大小的智能卡。

It includes a virtual numeric currency, an electronic system of withdrawals, transfers and loans, and Smartcards of all shapes and sizes.

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