Company Information
We support the country's economic growth with a reliable payment system infrastructure.
at Glance
PT Jalin Pembayaran Nusantara (Jalin) is a financial service technology-based company established in 2016 as a result of the joint initiative between the Ministry of State-owned Enterprises, Himbara (Bank Mandiri, BNI, BRI, and BTN), and PT Telkom Indonesia (Persero) Tbk. In 2019, PT Danareksa (Persero), which has transformed into Holding Danareksa, became the majority shareholder of Jalin.
As a company providing integrated service in the sector of modern payment system technology, Jalin manages the LINK switching network services and holds the biggest market share in the debit switching category. Acting as a Payment System Infrastructure Provider (PIP), Jalin begins to transform into a digital enabler that connects the community with financial and non-financial ecosystems, in line with its plan to become “The National Digital Highway”.
Jalin's main services and products focus on the digitalization of banking products, switching services (clearing of ATM cards, debit cards, GPN, and Quick Response Code Indonesian Standard (QRIS)), and virtual ATMs.
Currently, Jalin has more than 80 members from the banking and fintech industries in Indonesia. It is also a member of the Indonesia Payment System Association (ASPI) and a shareholder of PT Penyelesaian Transaksi Elektronik Nasional (PT PTEN) which acts as a Services Institution for GPN.
Who we are serve?
Vision & Mision
- Our Vision
- Our Mision
- The Philosophy of National Digital Highway
Our Vision
Becoming a leading payment system infrastructure provider in Indonesia that actively participates in the effort to realize efficient and sovereign national payment systems.
Our Mision
Providing secure, interconnected, integrated, and efficient infrastructure system and payment channel.
The Philosophy of National Digital Highway
Jalin is prepared to take a step forward to fulfill its vision to become "The National Digital Highway" - a digital enabler that connects people with financial and non-financial ecosystems for the purpose of advocating digital payment acceleration and supporting national financial inclusion. Hence, Jalin can provide a comfortable and meaningful digital transaction experience to Indonesians.
Milestones
Starting with the creation of the Link brand by a Telkom Group business unit focused on ATM switching services, Jalin took over its management on March 31, 2017, to streamline Himbara’s operations. Since then, Jalin has evolved beyond traditional services, continuously innovating to build a more inclusive, connected, and future-ready payment ecosystem.
- 2024
- 2023
- 2022
- 2021
- 2020
- 2019
- 2017
- 2016
Throughout 2024, Jalin strengthened its position as a game changer in the payment industry by executing bold and strategic initiatives. One of the key milestones was the successful integration of four international standards — ISO 9001, 27001, 27701, and 37001 — which reinforced the company’s commitment to service quality, data security, and robust corporate governance. On the innovation front, Jalin received approval from Bank Indonesia to develop Jalin Verifi3d, a 3D Secure technology aligned with global EMVCo standards. In addition, the completion of 4,345 ATM Link migrations — in collaboration with the Ministry of State-Owned Enterprises and Himbara — underscored Jalin’s continued drive for transformation through strategic collaboration.
Affirming its commitment to expanding the transformation of the digital financial ecosystem, Jalin has obtained the PCI-PIN Transaction Security Compliance Certificate version 3.1 and the ISO 9001:2015 Quality Management Compliance Certificate. By integrating ATMs owned by state-owned banks throughout Indonesia and obtaining the Full Operational License for the e-Channel Platform Service from BI (Bank Indonesia), Jalin is now the largest integrated e-Channel platform provider in the nation.
It was a year full of achievement for Jaliners, as Jalin received the AKHLAK Award BUMN 2022 for the Danareksa Cluster and was included in the list of Best Companies to Work for in Asia 2022 in the HR Asia Awards, reflecting its healthy culture and workplace as well as its positive impact on others. Jalin also obtained the Payment Card Industry Data Security Standard (PCI DSS) Certification 3.2.1 from Network Intelligence.
Jalin’s service coverage expanded after obtaining a permit as a participant of Cross Border QRIS Sandbox. In addition, Bank Indonesia (BI) appointed Jalin as a Payment System Infrastructure Provider (PIP) in accordance with its new regulation on the provision of Payment System Infrastructure.
Jalin expanded its switching service for QRIS and Internet & Mobile Banking (IMB) as well as conducted a trial for cross-border QR. The Managed Services business continued to grow, as reflected in the procurement of e-channel platforms and Innovation of 4.0 Premises Services. Jalin also introduced a new corporate culture called JalinID: BISA – SINERGI – TANGGUH (ABLE – SYNERGY – RESILIENT), highlighting Jalin’s readiness to constantly adapt to business dynamics.
On June 19, 2019, PT Danareksa (Persero) acquired 67% of Jalin’s shares from PT Telkom Indonesia (Persero) Tbk. As a result, Jalin became a subsidiary of PT Danareksa (Persero). In the same year, Jalin also obtained approval to become a Switching Agency for Transaction Processing using Quick Response Code Indonesian Standard (QRIS).
Jalin obtained permits and licenses to act as an ATM Switching Principal, Debit Switching Principal, Switching Operator, and Debit Card Clearing Operator. It also joined the Indonesia Payment System Association (ASPI). Moreover, Jalin was designated as a GPN Switching Agency and became one of the consortium companies that formed PT PTEN, in which Jalin holds 7.5% of its shares.
Jalin was established on November 3, 2016 as one of the subsidiaries of PT Telkom Indonesia Tbk, owing to the initiative of the Ministry of State-owned Enterprises (BUMN) and the Association of State-owned Banks (Himbara) in supporting the effort to bring about efficient and sovereign national payment systems.
Governance
Trust begins with transparency. Find information on Road governance here.