Harbolnas Ramadan 2021 has arrived. This year, Harbolnas in the holy month of Ramadan is held simultaneously in several Indonesian marketplaces on D-10 and D-5 ahead of Eid Al-Fitr, and the government will provide full support for domestic-made products. However, even though there are many attractive discounts or promotions, transaction security must still be considered.
What is Harbolnas?
Harbolnas stands for Hari Belanja Online Nasional or National Online Shopping Day in English. It is a celebration that was first sparked in 2012 when e-commerce platforms in Indonesia began to get attention from the public. The carried spirit is to encourage and educate the Indonesian people about the ease of shopping online.
The Harbolnas celebration is inspired by the online shopping celebrations of Cyber Monday and Black Friday, which are commonly celebrated in America, Canada, England, Germany, and Japan. The pioneers in Indonesia were several large e-commerce sites such as Lazada, Zalora, BerryBenka, PinkEmma, Bilna, Traveloka, Luxola, and several other e-commerce sites.
After the success of the first Harbolnas, entitled 12.12.12, Harbolnas was held again on December 12 in 2013, 2014, 2015, 2016, until now. That is why Harbolnas is also known as 1212 because it is always held on December 12. However, along the way, Harbolnas continues to develop. Now, people can also experience online shopping celebrations in the month of Ramadan ahead of the Eid Al-Fitr.
Tips for Safe Transactions at Harbolnas Ramadan 2021
The National Online Shopping Day that takes advantage of the momentum of Ramadan for the first time was held back in 2016. At that time, 32 e-commerce players in Indonesia were committed to involved in the event. In its first year, a subsidiary of PT. Pos Indonesia, PT. Pos Logistik Indonesia also participates in facilitating last-mile delivery services.
In 2021, Harbolnas in the month of Ramadan will be held again and get full support from the government to encourage the purchase of domestically made products. This year’s Harbolnas Ramadan will be held on D-10 and D-5 before the Eid Al-Fitr.
Nevertheless, people should not be taken for granted about the promotions on the e-commerce platform. It is common knowledge that there are irresponsible people who take advantage of the Harbolnas moment to get more benefits. To avoid these people, we have summarized some tips that can be tried.
Here are four tips for safe transactions at Harbolnas Ramadan:
Make sure to check the seller’s reputation
If we already know the reputation of sellers in e-commerce, online shopping can certainly be convenient and safe. So, before making a purchase transaction, first, make sure the reputation of the seller of the store visited. Some of the ways that can be done are:
First, take a look at the seller’s badge. If a seller has an official store badge or star seller badge from the e-commerce platform, it means they are a trusted seller because they are verified.
Second, look at the stars or ratings of the sold items. If most of them have a rating of four stars or higher, it means that the goods in the shop are of good quality and are well packaged.
Third, pay attention to reviews from previous buyers. If most buyers give good reviews, it means that the service from the store is very trustworthy.
In addition, it is common for previous buyers to leave more real product photos without editing, which allows us to estimate the shape and size of the item you want to buy.
Don’t Provide Personal Information.
Personal information in the digital age has much more value than before. So, don’t ever be tempted to get attractive prices by providing personal information such as bank accounts, social security, ID card numbers, driver’s licenses, or something more private. It is because this kind of information could be misused.
A trusted online store will never ask a buyer for more information than is necessary to make a sale. In general, when completing a payment, some info is requested, such as a shipping address, telephone number, and email address.
Transaction via Trusted Payment Methods
Compared to 10 years ago, the payment methods available to pay off online shopping bills today are much more diverse. So, make sure to transact through a trusted payment method. Avoid making transactions directly to the seller’s account number, especially if the seller has an unclear reputation.
Here are some trusted payment methods for buying and selling online:
Transfer between banks is still one of the favorite payment methods for online shopping transactions in Indonesia. There are also various ways to pay off your shopping bills. You can pay via mobile banking or transfers via ATMs such as ATM LINK spread throughout Indonesia.
According to Shopback’s report, 65 percent of respondents mentioned that digital wallets are their favorite payment method for paying off online shopping bills. Apart from making cuts or transfers, one of the safest ways to pay via digital wallets is by using the QR code scanning method supported by the QRIS system.
QRIS (Quick Response Code Indonesian Standard) is a national QR code standard to facilitate digital payments through server-based electronic money applications, digital wallets, or mobile banking.
Avoid Excessive Discounts
Lastly, avoid an excessive discount offer. Buying an item at a lower price from its original offering is questionable because it might be not the original product. So, to avoid things that are not desirable, double-check the seller’s reputation and previous buyer reviews.
If the reputation is convincing, but there are no reviews, contact the seller via the available communication media to confirm. Ask again about the guarantee, the procedure to return the item, and how the repayment. If there are signs such as an out-of-stock product claim and not restocked or the seller asks for personal information, it is better to cancel the transaction.
The e-commerce sector is one of the fastest-growing digital sectors in Indonesia. It was able to disrupt many other industrial sectors. Start from logistics, payment, and MSMEs.
The growth of e-commerce has also not escaped from the government’s attention as an option to encourage the development of local products. This concrete form of support for domestic products by the government manifested through the Bangga Buatan Indonesia (BBI) program launched in 2020. One of the goals to be achieved from this BBI program is to support Indonesian MSMEs to connect with digital ecosystems such as e-commerce.
The convenience offered by e-commerce services is one of the reasons why people nowadays prefer online transactions. Especially in the current uncertain situation due to the Covid-19 pandemic, which requires us to limit social interactions. E-commerce seems to be a solution amid this uncertainty.
However, with all the conveniences offered, buyers must also be smart in conducting online shopping transactions through e-commerce services. Even though it is much better now, there will always be people who try to take advantage of various momentum to get personal gain.
Hopefully, with these simple tips, people can be wiser in doing digital transactions and not be easily tempted by cheap promotions from irresponsible sellers. So, the Harbolnas Ramadan 2021 moment can run more smoothly, and ultimately can have a positive impact on the growth of Indonesia’s digital economy.
Contactless digital transactions are a necessity amid rapid technological advances that continue to open new opportunities in business. In Indonesia, the QR code payment method has become increasingly popular and has accelerated since the start of the pandemic. As of January 1, 2020, the implementation of QRIS as a national QR code standard instructed by Bank Indonesia (BI) as the regulator. Thus has a positive impact on society in the availability of payment alternatives that are fast, easy, cheap, safe, and reliable.
The Purpose of QRIS
QRIS (Quick Response Code Indonesian Standard) is a national QR code standard to facilitate digital payments through server-based electronic money applications, digital wallets, or mobile banking. It’s a breakthrough in digital-based non-cash transactions from Bank Indonesia (BI) and the Indonesian Payment System Association (ASPI).
The main objective of QRIS is to create a payment system that is easier for the public and can be monitored by regulators from one door. It is to create a payment system that is efficient, effective and refers to the main principles of a payment system policy that is Cepat, Mudah, Murah, Aman, and Handal (CEMUMUAH) and has a starting point in the hygienic aspects of transactions.
The Benefit of QRIS Payment Method
The presence of the QRIS payment method in the community will also facilitate cashless transactions between customers and business owners. Using QRIS, business owners only need to provide one QR code, and customers can pay through any supported application. It’s inseparable from the cross-platform advantages of QRIS.
5 advantages of QRIS Payment Methods:
1. Speed Up Transaction
QRIS cashless payments are fast and practical. Customers don’t have to bother carrying cash, and business owners don’t have to look for a change. Just scan the QR code through the supported application, enter the payment amount, and complete the payment. Transactions can be completed quickly as long as there is an internet connection.
2. Simplify the Transaction
The presence of QRIS also makes transactions easier for business owners Because they don’t need to register as a merchant in every available digital wallet services, since there are at least 38 officially licensed digital wallet services in Indonesia.. With QRIS, business owners only need to register once and receive payments from various supported banks or digital wallets. In addition, every transaction was recorded, making it easier to control finances.
3. More Affordable
Currently, BI is still extending the policy of free of non-cash transaction fees through the QRIS payment channel for micro-businesses that are charged to stores (Merchant Discount Rate / MDR). Last year, BI set a maximum transaction fee of 0.7 percent for QRIS, which will be borne by partners or merchants. The numbers can also be smaller if the payment transaction falls into a specific category. When compared with Total nominal transaction, this figure is obviously small. On the other hand, the buyer is not going to get charged for anything.
Merchant categories that are in the regular transaction type and subject to a maximum MDR transaction fee of 0.7 percent are Small Business (UKE), Medium Business (UME), and Large Business (UBE). As for the Micro Business category (UMI), MDR will not be charged until the end of 2021.
For merchants in a specific type of transaction, the MDR fee will be lower. For example, education (0.6%) and gas stations or Public Service Obligation (0.4%). Meanwhile, non-profit transactions such as social assistance, Government to People, and People to Government will not be charged a dime for MDR.
4. Guaranteed Safe
Payment with QRIS is also guaranteed safe because the payment principle by scanning a QR code is similar to transferring balances between accounts. Every transaction usually requires a PIN or code for approval. If there are any unusual transactions, they can report them to the service provider because everything is online and recorded. On the other hand, the QRIS payment method also minimizes the circulation of counterfeit money in the community.
Using the QRIS payment method, the business owner can check the transaction history periodically because all transactions are processed and recorded automatically. That way, business owners can monitor, analyze, and determine future business financial strategies.
The presence of QRIS in the community is the answer from regulators to provide better access to digital transactions. With QRIS, business owners only need to have one QR code, and customers can use any application that supports payment transactions using QR codes. The development of technology is unstoppable. What we can do is adapt so that we can use technology to make everyday life easier.
Payment instruments continue to grow from cash to non-cash payment. In the last decade, there has been a wave of digitization and penetration into people’s lives that drastically change people’s behavior. Currently the trend of online payments in Indonesia has steadfast growth, largely contributed by national digital transformation and the support of government regulations that help businesses thrive and innovate. Called the National Non Cash Movement, the campaign was initiated by the government and Bank Indonesia since 2013 to promote cashless lifestyle.
The digitization of payment system is increasingly amplified through the development of server-based electronic money instrument in smartphone applications. Bank Indonesia notes that the electronic money market is currently dominated by non Bank companies, though the operation itself is inseparable from the role of the Banks such as the process of balances top-up, placement of funds settles, to settlement.
However, a data released by Bank Indonesia also suggests that in January 2021 there was still a positive growth in currency and demand deposits of 18.7% (YoY). This shows that the public’s need for cash is still relatively high and that the role of ATM machines is currently still very much needed both for the provision of currency and electronic transactions for people who are not familiar with applications on smartphone.
Tackling those challenges, digital wallet services such as LinkAja and ATM-based transaction services provided by Banks such as ATM Link come with various supporting features that fulfilled people’s payment transaction needs. Both with its own form and powerful functions, the two products complement payment system facilities in Indonesia, thus contributes to the advancement of national economy through the inclusion of payment instruments.
ATM Link is an ATM-based transaction service offered by the Association of State-Owned Banks (Himbara) namely Bank BTN, BNI, Bank Mandiri and BANK BRI that allows customers to make cash withdrawal transactions, balance inquiry, interbank transfers, bill payments, credit purchases, top up electronic money and other banking transactions. Currently there are more than 53,000 ATM Link spread throughout Indonesia, reaching to every corner of the country.
Previously named TCASH which then transformed through the integration of 4 Himbara Banks in server-based electronic money services and as of February 21, 2019 became LinkAja, is a mobile application-based virtual wallet that stores balances used to pay various electronic transactions such as internet data purchases, merchant payments and others. Thanks to the development of Sharia finance, LinkAja now has LinkAja Syariah services. Users can top up LinkAja balances using Bank accounts (ATM Himbara, ATM BCA, Mobile Banking, Internet Banking, SMS Banking, Mini ATM, Virtual Account, GraPARI, and retail stores that have cooperated).
Security aspect is one of the important things that need to be considered in each of our transaction activities when using an ATM machine. Even though the transaction devices are equipped with highly secured technology, customers still need to take various preventive measures to avoid crime.
First thing first, always implement Covid-19 health protocols
Before making a transaction, make sure you have implemented proper health protocols, starting from maintaining a distance of 1-2 meters from other people, using a mask, and cleaning your hands with hand sanitizer before and after transactions.
Pay attention to ATMs surrounding in quiet locations
Usually, crimes are committed in locations where ATM machines are empty of visitors. If you need to make a transaction, first pay attention to the conditions around the ATM to ensure location security.
Ensure the authenticity of the ATM
Please check The ATM machine such as card reader and keyboard before you make any transactions. If you feel that the device is not in good condition or there are scratches and plasters, you should cancel your intention to use that ATM machine.
Beware of hidden cameras
The theft mode can also be a small camera hidden at a certain angle to see your ATM pin. The camera can be hidden where you are not aware of it. Try to pay closer attention to the ATM environment, especially if there is a small box stuck to the surface of the ATM machine.
Don’t trust strangers who offer to help
The perpetrator will pretend to offer help when you experience problems at the ATM machine. It is recommended for us to directly contact the Bank’s call center that is listed on the ATM screen (not on a sticker that might be suspected of including a fake call center number).
Improving the quality of employees is an important focus of Jalin to ensure customer satisfaction in every service that is provided. In the effort to achieve said goal, in August 2018 the sharing session event called “Jalin Ngopi: Ngobrol Pintar Bikin Hepi” (Coffee with Jalin: Happy Smart Talks) was officially held with its first topic discussing about the National Payment Gateway (NPG). Now, Jalin Ngopi is in its 3rd year and it has become a monthly self-development activity that can’t be separated from Jalin’s identity.
The sharing session concept was inspired by the coffee shop culture, where people would work in a serene and calm environment while sipping on their coffee. Implementing it to Jalin’s program, Jalin Ngopi is usually held in a relaxed and warm environment to boost engaging discussion among its participants. Generally, the discussion topic revolves around Digital Payment Industry – technology, security, trends and current issues – up to the cross functional skill development, therefore Jalin can create professional talents that are the experts in various fields.
Currently, the COVID-19 pandemic crisis has become the main challenge that’s being faced by Indonesia. The prolonged uncertainty, termination of business and the weakening of the economy sector that has caused the downfall of commodity pricing are some of the pandemic impacts to Indonesia’s economy. In response to these challenges, Jalin Ngopi Webinar was held as an open opportunity for Jalin and stakeholders to share their knowledge, to collaborate and to synergize in order to face the business and economic challenges in the future, especially within the payment system industry.
The first Jalin Ngopi Webinar with the theme of “Banks and the New Normal: Surfing the wave of crisis to win the future” collaborated with Himpunan Bank Milik Negara (Himbara) discussing the changes of mindset, strategy, opportunity, the role of corporate culture, digitalization and innovations that pushes the capacity limit of the Industry players in providing the best service to all customers and create synergy within the disruption period to build the future banking business. The activity was held virtually and opened to the public as Jalin’s form of commitment and care in empowering the community.
Hereinafter, Jalin Ngopi Webinar Vol.2 that was held on Saturday, 3 October 2020 raising the theme of “Understanding Cash Recycle Machine (CRM) Business to Improve Bank’s Cost of Fund” focuses on discussing the Managed Service, especially regarding the CRM technology as one of the banking solution to cater the cash needs of customer efficiently. The topic raised discussion such as trends, security aspect, comfortability and the CRM usage benefits for bank and customer.
Moving forward, Jalin Ngopi will continuously act as the medium for stakeholders to meet and learn, to collaborate as well as to synergize in order to create a digital payment ecosystem that is healthy and sustainable. Through qualified resources in supporting the sustainability of business and industry, it is hoped that Jalin can provide its best service to all customers as well as to contribute its part in realising the payment system efficiency in Indonesia.