Knowing the Types of ATMs Spreading Throughout Indonesia

Knowing the Types of ATMs Spreading Throughout Indonesia

Luther George Simjian was the first person who initiated the Automated Teller Machine (ATM), also known as Anjungan Tunai Mandiri (Indonesia), in 1939. Over time, the machine has undergone many developments to become the ATM we know today. The types of ATMs that we can find are no longer limited to cash withdrawals.

ATMs in the modern world are no longer a foreign thing because they can be found anywhere, from minimarkets, on the roadside, to shopping centers. The wide range of ATM services is inseparable from the public’s need for easy, fast, and convenient financial services without spending time going to the bank.


Types of ATM


Although most people use ATMs to make cash withdrawals, there are three types of ATMs that can be found and used by bank customers for other financial transaction purposes. The three types of ATMs are:


Cash Withdrawal ATM

This type of ATM is the type of ATM with the highest number and is the easiest to find in various regions. Its function is clear: to withdraw some cash from the customer’s account without coming to the bank. However, along with technological developments, this type of ATM can now facilitate customers’ carrying out almost all other financial transaction activities, such as interbank transfers, paying education fees, and paying electricity bills.


Cashless ATM

As the name implies, this type of ATM cannot be used by customers to make cash withdrawals. At this ATM, customers can only perform financial transactions such as bill payments, transfers, check balances, purchase electricity tokens, and so on.


ATM Deposit and Cash Withdraw

The last type of ATM is the Cash Recycle Machine, also known as the Deposit and Cash Withdrawal ATM. This type is a development of the ATM and Cash Deposit Machine (CDM). Through this type of ATM, customers can make withdrawals and cash deposits in addition to other financial transactions that can be done through ATMs, such as checking balances, interbank transfers, reloading credit, paying various bills, and so on.

In Indonesia, these three types of ATMs can be found in various areas, both in urban and rural areas. In general, banks in Indonesia have also partnered with companies that have ATM management services to make it easier for their customers to access their services. One company that provides comprehensive ATM management services is PT Jalin Payment Nusantara, which manages the ATM Link network in Indonesia.


Identifying the ATM Link


ATM Link is the Himbara ATM network (Mandiri, BRI, BNI, and BTN) that facilitates ATM cardholder customers from Himbara bank to perform various financial transactions such as Check Balances, Cash Withdrawals, Transfers, and Bill Payments. Currently, there are more than 38,000 ATM Link units spread throughout Indonesia.

Customers who want to make financial transactions can recognize ATM Link by looking at the four characteristics possessed by ATM Link. The four characteristics are in:

  • The colors used on the ATM Link casing are red and white, like the Indonesian flag, with white as the background to display the ATM Link logo.
  • Apart from the casing, ATM Link is also recognizable by a sticker attached to the ATM body or an ATM screen that displays the ATM Link logo.
  • In addition to the ATM Link logo, there are also logos from the four Himbara banks displayed side by side with the ATM Link logo on the casing, sticker, or on the ATM screen.
  • The last characteristic that distinguishes ATM Link is the receipt printed that displays the ATM Link logo.

ATM Link also offers many benefits for Himbara Bank customers. Some are free cash withdrawal fees on all ATM Link networks, free balance check fees on all ATM Link networks, and affordable Himbara interbank transfer transaction fees.

Indonesia’s G20 Presidency’s Impact on National Economic Recovery

Indonesia’s G20 Presidency’s Impact on National Economic Recovery

At a time when many countries are still recovering from the Covid-19 pandemic, Indonesia has won the trust of the G20 to hold the presidency in 2022. This trust is a form of appreciation and recognition from the world’s major powers. Indonesia’s G20 presidency is also expected to provide a boost to the country’s economic recovery.

The G20 (Group of Twenty) is a strategic multilateral forum founded in 1999 that connects the world’s major developed and emerging economies. The G20 is made up of nineteen countries and one European Union institution. The G20 is also in a strategic position because it collectively represents 85 percent of the global economy, 80 percent of global investment, 75 percent of international trade, and 60 percent of the global population.

Indonesia has been a member of the G20 since its inception. Due to the 1997-1998 crisis, Indonesia was in the midst of an economic recovery at the time. As a result, Indonesia has been designated as an emerging economy and a developing country due to its enormous potential and size in the Asian region, particularly Southeast Asia and the Islamic world. The appointment of Indonesia to the G20 Presidency in 2022 is also a new milestone, as Indonesia has been trusted to hold this position for the first time.

Indonesia divided the discussion of issues at the G20 forum in 2022 into two tracks: the Sherpa Track and the Financial Track. Ministerial-level meetings, working groups, and engagement groups will be held to discuss issues addressed by the Sherpa Track and Financial Track.

The Sherpa Track focuses on broader political issues such as geopolitics, anti-corruption, development, trade, energy, climate change, and gender equality. The focus of the issues discussed in the Financial Track is on economics and finance, such as fiscal, monetary, and real policies, infrastructure investment, financial regulation, financial inclusion, and international taxation.

The momentum of Indonesia’s G20 presidency is a golden opportunity to demonstrate Indonesia’s international leadership. As a result, it is critical to maximize its use by orchestrating the discussion agenda at the G20 forum in order to provide positive added value in the recovery of Indonesia’s economic activity.

Indonesia will also be a focal point of the world’s attention at the G20 summit. It can be used to improve branding by displaying accomplishments in the form of various advancements made by Indonesia. As a result, it can serve as a starting point for restoring confidence in post-pandemic economic actors in order to encourage investment commitments from both within and outside the country.

A series of G20 forum meetings in Indonesia, on the other hand, could be used to introduce tourism and Indonesia’s featured products to the international community in the hope that they will help drive the Indonesian economy.

An inclusive economy and finance have emerged as top priorities for Indonesia’s G20 presidency. A targeted group is one that has historically been underserved by financial services. The goal is to increase their productivity, capacity, and financial access.

Of course, this necessitates a combination of fiscal policy, followed by other policies such as credit financing and the appropriate payment digitization system. The policies, it is hoped, will encourage an increase in financial transactions, bringing Indonesia one step closer to achieving sustainable economic development.

The Indonesian government is also optimistic that the economic recovery will continue to accelerate in 2022, with the domestic economic sector, such as MSMEs, seen as one of the main drivers of the national economy’s revival. Various efforts have also been made to raise the status of MSMEs, whether through supportive policies, assistance, or access to financing.

The policy to encourage the expansion and acceptance of the QRIS payment method is one of the successful Indonesian government policies. This payment method serves as the first entry point for MSME players into the digital ecosystem. On November 1, 2021, the number of merchants using QRIS surpassed 12 million, exceeding the achievement target set by Bank Indonesia and financial industry participants.

The G20 presidency is expected to be a new milestone in realizing Indonesia Maju’s road map through sustainable economic development. The goal is to become a developed country by 2045, with annual economic growth of at least 6 percent.

Jalin Welcoming Christmas 2021 by Establishing Brotherhood with the Children of the Mekar Lestrari Orphanage

Jalin Welcoming Christmas 2021 by Establishing Brotherhood with the Children of the Mekar Lestrari Orphanage

In order to welcome Christmas 2021 in December, PT Jalin Pembayaran Nusantara (Jalin) held a sharing activity to establish brotherly ties with the children of Panti Mekar Lestari in Tangerang. This year’s activity has the theme of Christ’s Love That Moves Brotherhood.

It is a sharing and caring activity for the community, which has become a commitment to corporate social responsibility (CSR) every year. It is also a manifestation of the responsibility of the company and Jalin employees to engage with the surrounding environment and share the joy of welcoming Christmas.

This year’s activity, Jalin distributed necessities, medical needs, along with donations and Christmas gifts to 45 children in the orphanage and 26 administrators at the Mekar Lestari Panti. In total, there are 45 children and 26 administrators in this orphanage. Jalin hopes to continue giving happiness to others so that they can receive a positive impact from society.


BSI Mobile Racing Point Promo: Easy Interbank Transfers, and Get Prizes

BSI Mobile Racing Point Promo: Easy Interbank Transfers, and Get Prizes

Terms and Conditions:


  1. This racing point program is for Bank Syariah Indonesia customers who are using interbank transfer transactions to HIMBARA (Bank Mandiri, BRI, BNI, BTN) & BCA via BSI Mobile (without a minimum nominal transfer).
  2. 1x transfer = 1 point.
  3. Points will be calculated after the transaction is declared successful.
  4. Promo period starts from 15 December 2021 to 15 January 2022.
  5. Winner is decided based on the highest number of transfer transactions during the period.
  6. Here are the prize details:
    • 1 iPhone 13 Pro 128GB (Grand Prize)
    • 5 Samsung Galaxy Watch
    • 3 Kurumi Robot Vacuum KV03
    • 3 Oxone Eco Air Fryer
    • 5 Samsung Galaxy Buds
    • 5 Philips Blender
    • 15 e-Wallet Balance
  7. There will be 37 winners with the highest number of transactions. The main prize is an iPhone 13, and the other six rewards will be given to customers according to the order/rank of the number of transactions.
  8. Winners will be announced in the 3rd week of January 2022 through the official Instagram account of Bank Syariah Indonesia (@lifewithbsi & @bsimobile) and prizes will be distributed on the 4th week of January 2022.
  9. This program does not apply to Bank Syariah Indonesia employees & Jalin employees who are BSI customers.
  10. This promotion is non-refundable.
  11. Bank Syariah Indonesia has the right to change the terms and conditions of the promo at any time.
  12. By participating in this promo, customers are deemed to understand and agree to all applicable terms and conditions.

Further information :
Bank Syariah Indonesia Call 14040

Forum Link Nataru 2021: Synergize in Providing Service Excellence to Customers

Forum Link Nataru 2021: Synergize in Providing Service Excellence to Customers

PT Jalin Payment Nusantara (Jalin) hosted the Forum Link Nataru on December 15, 2021, at Hotel Mulia, anticipating a surge in transactions ahead of Christmas and New Year. This is Jalin’s first offline event during the pandemic, and it adheres strictly to the applicable health protocols in order for the event to run smoothly and efficiently. This year’s event featured Mr. Wibawa Prasetyawan, LinkAja’s Chief Marketing Officer, as a guest star in the sharing session with an ASHIAP (Awesome Synergy, High Impact with All Partners) theme.

Forum Link is a place for discussions related to Jalin’s operations with members, which are routinely held twice a year. One of the goals is to anticipate a surge in transactions during big holiday celebrations such as Nataru (Christmas and New Years) and Rafi (Eid Al-Fitr).

The Forum Link Nataru 2021 event began with remarks from Jalin’s Chief Operating Officer Eddy Sofryano on the company’s overview and achievements in 2021. This year, Jalin has worked with 32 members, including 21 banks and 11 non-banks, to provide Managed Service ATM services for 16,368 ATMs spread across 34 provinces in Indonesia. Furthermore, Jalin provided a 100% availability system and reporting, same-day settlement reports, SLM ATM performance with an average of more than 99.56 percent, and a 100% SLA on-premises achieved.

However, Jalin also continues to innovate and improve in various aspects to provide high accountability services to all Members. One of them is through improving the switching report by adding fee-based information, committing to accelerate the settlement of suspect transactions, adding JSEECA tools or Jalin Site & Endpoint Controller Apps on the ATM Managed Service operational system.

In line with this, the Forum Link Nataru 2021 event this time is a forum to strengthen the synergy of Operational Excellence Jalin and Members, both Banks and Fintechs, in order to maximize services to customers who will celebrate the Christmas and New Year holidays. This event was more conducive and interactive because it included various entertainments and sharing sessions in which LinkAja’s CMO Wibawa Prasetyawan shared stories about LinkAja’s experiences dealing with Christmas and New Year’s events.

We would like to express our appreciation for the participants’ enthusiasm and participation in the 2021 Nataru Link Forum event. We hoped that by attending this event, Link member participants would be able to strengthen their existing collaboration and encourage the realization of a better payment ecosystem.


Get to Know the SIAP QRIS Program from Bank Indonesia

Get to Know the SIAP QRIS Program from Bank Indonesia

On November 1st, 2021, the number of merchants using QRIS exceeded 12 million users. This number exceeds the achievement target of the QRIS expansion launched by Bank Indonesia (BI) with other financial industry players. To strengthen this achievement, BI continues its commitment to expand digital payment acceptance in the community through one of the programs called SIAP QRIS.

The SIAP (Sehat, Inovatif, dan Aman pakai) QRIS program is an initiative of BI in collaboration with the Indonesian Ministry of Trade aimed at merchants in markets and shopping centers in the country. This program launches on November 5th, 2021, in Minahasa Regency, North Sulawesi Province. The official launch also marks the start of market trials and the SIAP QRIS shopping center in 51 people’s markets and 45 shopping centers in 34 provinces throughout Indonesia.

This step is a manifestation of the digitalization implementation of the payment system to expand payment acceptance in markets and shopping centers in the country. The hope is that the SIAP QRIS program can be provide momentum to prepare markets and shopping centers to enter the new normal era.

In Jalin capacity as a switching institution, Jalin is ready to support the implementation of SIAP QRIS program through a leading payment system infrastructure that can ensure payment processing can run safely and smoothly. Jalin has obtained approval permits as a Switching Institution for transaction processing using QRIS in 2019.

The QRIS service was chosen because it provides convenient contactless digital transactions for the community. Buyers only need to scan the merchant’s QRIS code to complete their transaction without making direct contact, like when transacting using cash. Thus, the SIAP QRIS program can indirectly help prevent the transmission of Covid-19.

In addition to the health factor, QRIS also provides many other benefits for merchants. Some of them are:

  1. Build a credit profile for ease of getting a loan.
  2. Transactions are recorded & directly entered into the account, so it is easy to monitor.
  3. No need for change, no risk of theft and counterfeit money.
  4. Follow the latest payment trends.
  5. Affordable and free of charge for micro-businesses (0% until Dec 2021).

In the future, the SIAP QRIS program will continue to expand to increase the use of QRIS as a payment solution. With the acceptance of digital payments that continues to grow, transaction activities in shopping centers will ultimately increase the productivity of the real sector, such as farmers, producers, and merchants. Thus, it will be the beginning of the recovery of people’s purchasing power to accelerate the recovery of the national economy.