Jalin Drives Broader and Safer Access to Cardless Cash Withdrawal

Amid the rapid growth of digital transactions, public demand for cash remains a vital part of national economic activity. At the same time, the use of physical cards in ATM transactions carries a number of security risks, such as card trapping and skimming, driving the need for a more practical and secure transaction alternative. This underscores the need for a payment infrastructure capable of connecting various digital financial channels with access to cash in a secure and reliable manner.

To address this need, PT Jalin Pembayaran Nusantara (Jalin), part of Danantara through Holding BUMN Danareksa, continues to expand its cardless cash withdrawal service, connecting various digital financial applications with banking ATM networks across Indonesia. Through this service, users can withdraw cash directly from mobile banking or e-wallet applications without the need for a debit or physical ATM card.

Jalin's Role in Connecting the Payment Ecosystem

As the enabler behind this service, Jalin plays a key role in ensuring the digital payment ecosystem remains seamlessly connected through national cash point infrastructure. Jalin is responsible for maintaining the connectivity system between payment service providers, ensuring that every cardless cash withdrawal transaction runs reliably, securely, and in accordance with applicable standards.

The cardless cash withdrawal service supported by Jalin now covers a number of application and ATM network combinations, including:

The GoPay application, which can be used for cardless cash withdrawal at BRI and bank bjb ATM networks.
The Victoria Mobile application owned by Bank Victoria, which can be used for cardless cash withdrawal at BSI and BRI ATM networks.
The Digi Bank bjb application owned by bank bjb and Mobile Maslahah owned by bank bjb syariah, both of which can be used for cardless cash withdrawal at BSI and BRI ATM networks.

This coverage demonstrates that the cardless cash withdrawal service managed by Jalin is not limited to a single application-and-bank combination, but continues to grow to connect more payment service providers and banks across Indonesia.

This infrastructure support also enables connectivity to other banks' ATM networks within the Link network, allowing cardless cash withdrawal transactions through the GoPay application to run reliably, quickly, and securely. Going forward, this collaboration is expected to open opportunities to expand the service to other banks' ATM networks within the Link network, further broadening cash withdrawal access for more digital financial service users across Indonesia.

Jalin's Commitment to Supporting Safer Transactions

The expansion of the cardless cash withdrawal service reflects Jalin's commitment to driving financial transaction innovation that is increasingly practical, secure, and responsive to public needs. By reducing reliance on physical cards, this service offers a more convenient cash withdrawal alternative while helping minimize the security risks associated with conventional ATM transactions.

Going forward, Jalin will continue to expand collaboration with banks, fintech companies, and payment service providers across Indonesia to deliver cardless cash withdrawal access that is increasingly broad, reliable, and inclusive for communities in various regions.