At a poky BTPN branch in Ciracas, on the southern rim of Jakarta, a dog-eared sign hangs on the door and the floor could use a polish.
在雅加达南部边境Ciracas，一个简陋的BTPN分行门上挂了一个卷了边的招牌，地板也需要打磨一下。
Retired people get a tailored approach, too: BTPN operates branches that open at 5.30am on the first of the month, when state pensions are paid.
退休人员也能够享有为其定制的服务通道：BTPN要求其分支机构在每月第一天于早上五点半开始营业，因为在那一天发放国家退休金。
Among the keenest of them is Bank Tabungan Pensiunan Nasional (BTPN), which entered the market in 2008 after a buy-out by Texas Pacific Group, a private-equity firm.
其中最有竞争力的是国家退休基金储蓄银行（下文称BTPN），它被私募公司德克萨斯太平洋集团收购，之后于2008年进入小额信贷市场。
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.
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.
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。
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