Driving Banking Efficiency and Operational Centralization, Jalin’s CEO Honored as Best CEO by The Iconomics

Jakarta, March 18, 2025 – CEO of PT Jalin Pembayaran Nusantara (“Jalin”), Ario Tejo Bayu Aji, has been awarded Best CEO at the Indonesia Best 50 CEO Awards 2025 by The Iconomics. This prestigious recognition is a testament to his inspirational leadership in steering Jalin toward a new era of national payment system integration.

Ario’s success in receiving this award is largely attributed to his visionary role in leading the ATM Link transformation—a strategic initiative to unify ATM services across Himbara banks within a more efficient and inclusive ecosystem. Implemented in stages, this long-term project aims to provide a seamless, more accessible, and cost-effective transaction experience for the wider public.

As the driving force behind Jalin’s success, Ario is widely recognized as an innovative and forward-thinking leader. Under his guidance, Jalin has strengthened its role as the backbone of Indonesia’s digital payment infrastructure. The ATM Link transformation led by Ario has paved the way for the financial industry to adapt to digitalization trends, fostering a more integrated and responsive banking service landscape.

“This award is a remarkable achievement for the entire Jalin team. Together, we strive to build a more connected and efficient payment ecosystem that delivers tangible benefits to the Indonesian people. This is a significant step toward realizing our vision of The National Digital Highway,” said Ario.

The ATM Link initiative is a prime example of the successful implementation of shared services and ATM infrastructure integration among the four state-owned banks (Himbara)—BRI, BNI, Bank Mandiri, and BTN. This achievement has not only enhanced operational efficiency but also optimized investment, allowing Himbara banks to shift their focus towards improving customer services. This initiative serves as a best practice in the Indonesian banking industry, demonstrating that interbank collaboration in shared infrastructure can reduce costs, enhance service capabilities, and strengthen the competitiveness of the national financial sector.

Through this integration, operational costs have been significantly reduced, while service coverage has expanded, making banking services more accessible to the public. The shared services model enables banks to eliminate redundant investments in ATM network management, allowing funds previously allocated for ATM operations to be redirected toward digital service innovations. Additionally, this shared infrastructure model promotes equitable access to banking services, enhances the stability of the national payment system, and accelerates financial inclusion in Indonesia. Customers now enjoy greater convenience, as they are no longer restricted to using ATMs from their respective banks but can access services through the extensive ATM Link network.

Moving forward, banking operations must be highly efficient and centralized to address the growing complexities of the industry. The success of ATM Link serves as a benchmark for the banking sector in developing a modern and adaptive payment system that aligns with technological advancements. Jalin was established to provide solutions for the banking and fintech industries, facilitating more efficient, standardized, and digitally-driven transaction infrastructure management across Indonesia’s financial sector.

As a key player in the national payment ecosystem, Jalin—a subsidiary of Danareksa SOE Holding—remains committed to continuous innovation in delivering reliable and efficient transaction infrastructure. Through its evolving solutions, Jalin not only strengthens the competitiveness of the national financial industry but also plays a pivotal role in expanding access to banking services, ensuring payment system stability, and promoting financial inclusion across Indonesia.