Card-Based Payments Are Still in Demand, Jalin Enhances the Security of Customers’ Transactions Through PCI-DSS and PCI-PIN International Certifications

Jakarta, January 18, 2023 – PT Jalin Pembayaran Nusantara (“Jalin”) has earned international certification for Payment Card Industry Data Security Standard (PCI-DSS) version 3.2.1 and Payment Card Industry Personal Identification Number (PCI-PIN) version 3.1 from Network Intelligence Pvt. Ltd., a global cybersecurity agency that becomes one of the standard assessors in the payment industry. The achievement of these two certifications places Jalin as a Payment System Infrastructure Provider (PIP) in Indonesia that holds both the PCI-DSS and the PIC-PIN certification, thereby increasing the security of bank customers’ transactions using ATM/Debit cards.

Director of Jalin, Aries Barkah, said that the rapid growth of digital transactions in Indonesia required Jalin as a technology-based financial service provider as well as the largest market shareholder in the country’s debit switch category to maintain the quality of security according to international standards. The results of the assessment carried out directly by Qualified Security Assessor (QSA) for PCI-DSS and Qualified PIN Assessor (QPA) for PCI-PIN from Network Intelligence show that Jalin’s infrastructure system has met the highest security criteria, thus minimizing the risk of security holes of the information system in all daily transactional activities carried out by the Company.

“Although digital transactions are growing very rapidly, public interest in making transactions using cards at Automated Teller Machines (ATMs) or in making debit payments at Electronic Data Capture (EDC) machines is still high. Referring to data released by Bank Indonesia (BI) in 2022, the volume of domestic transactions through ATM and Mobile Banking services only reached 2.85 billion transactions/year, while the volume of debit transactions reached 235 million transactions/year. This motivates us to continue to improve the security and convenience of customers of Jalin’s bank members in making card-based transactions," said Aries.

Aries further explained that the PCI-DSS version 3.2.1 certification evaluates the effectiveness of Jalin’s processes and controls as a payment infrastructure provider through 12 end-to-end assessment requirements. Meanwhile, the latest PCI-PIN version 3.1 evaluates the security of the card-based personal identification number or PIN system strictly through 33 testing criteria. Jalin took this step to complement the ISO 27001: 2013 certification that has been achieved by the Company since 2018 as well as to comply with periodic Information Technology (IT) Audit according to the Regulations of Bank Indonesia.

“This is our step to maintain the trust of 40 bank members of the Link network, especially for ATM and Debit Link services. By obtaining these certifications, Jalin strives to reduce the potential for fraud and data leakage, which has always been our main concern. Therefore, this can be an assurance for customers of the Link network’s member bank to make more comfortable transactions or payments,” he added.

According to a BI report, as of September 2022 the total debit card transactions reached Rp657.97 trillion, 3.21% higher than the previous year (year-on-year/yoy). Meanwhile, the total debit card transactions in Indonesia reached 640.41 million times in September 2022. This number increased by 5.37% from the same period of the previous year. This shows that the need for society to carry out direct transactions at ATMs and EDC machines is still maintained as mobilization post-pandemic has returned to normal.

“Currently, Jalin is developing Virtual ATM and Third-Party Processor (TPP) services to complement digital transaction options for society. The various certifications obtained are Jalin’s commitment to meet national and global standards for the payment industry, as well as to support the Company’s expansion plans both nationally and regionally in Southeast Asia through TPP services, which currently collaborate with global principals such as MasterCard and Visa Inc. In the future, Jalin also plans to collaborate with JCB International and China UnionPay. This has become the Company’s strategic focus in transforming towards digital service which is in line with our vision of becoming ‘The National Digital Highway’,” concluded Aries.