PIN m-akardaya is a socialbanking mobileapplication. It can transfer your money from your saving account oryour e-money account electronically. You can ask or pay yourfriends in your contacts and do payment/purchases with social mediaexperience. That make PIN become banking for your sociallife.
It sells also pulsa/airtime: telkomsel, XL, Indosat, PAM, PLN,airline ticket, Train ticket/tiket kereta api etc