BTN and Jalin Cooperation to Expand the Virtual ATM Development Business Plan

BTN and Jalin Cooperation to Expand the Virtual ATM Development Business Plan

Jakarta, Indonesia – As part of the milestone to expand the reach of BTN customers and provide convenience in transacting through the ATM platform, PT Bank Tabungan Negara (Persero) Tbk. (BTN) and PT Jalin Pembayaran Nusantara (Jalin) held a Kick-Off Ceremony Roll Out Virtual ATM. This event takes place concurrently with the award presentation for Jalin members at the Jalin CX Summit 2022 events on Saturday (26/03), creating momentum to agree on a timeline for the roll-out implementation that will be carried out with both parties.

Jalin introduced the concept of Virtual ATM as one of the digital roadmaps to assist banking members, particularly the State-Owned Banks Association (Himbara), in presenting ATM network management that is more widely connected, efficient, and convenient in transacting with the public.

CEO of Jalin Boyke Yurista, revealed that virtual ATM is not a term used to replace the role of existing machines, but rather emphasizes solutions for using ATM technology that allows the bank to serve customers while maintaining the user experience even if they are on different Bank ATM platforms. “This ATM menu virtualization technology also allows for healthy competition among members by enriching features through sharing platforms on ATMs and will be gradually implemented in CDM and CRM machines,” Boyke said.

According to Bank Indonesia (BI) data, the recorded value of currency circulation reached Rp796.1 trillion until February 2022. This value was added to the activity of the community’s need for money during the end-of-month long weekend momentum. Because the community requires the use of money that is still growing, Automated Teller Machines (ATM) services must be developed further. “The need to use cash is still high in society today, which is our reference for developing BTN ATM systems and services that will later apply the latest technology and security standards to accommodate the needs of people who want to transact both in cash and non-cash,” Boyke said.

Andi Nirwoto, the Director of IT and Digital at Bank BTN, expressed a similar sentiment. Customers of the company will find it easier to use the ATMs managed by Jalin if the display is personalized in accordance with Bank BTN standards. “We make sure that the screen is familiar and concise so that customers can easily use Jalin-managed ATMs,” Andi explained.

Andi went on to say that this collaboration is also in line with the company’s efforts to develop services in Bank BTN’s digital ecosystem. Until now, Bank BTN has been recorded as having mobile banking services, internet banking,,, and smart home applications.

BTN is the first member to use Jalin’s Virtual ATM module, which is available to all members. Jalin’s end-to-end management services will undoubtedly provide value for process efficiency, allowing members to focus on developing services in other business sectors that impact customer transaction convenience. “This kickoff is expected to be a sign and commitment for both parties in realizing our big step toward making Jalin the National Digital Highway that connects the larger community with financial and non-financial ecosystems,” Boyke concluded.

Jalin Holds CX Summit 2022

Jalin Holds CX Summit 2022

Jakarta – PT Jalin Pembayaran Nusantara (Jalin) held the “Jalin CX Summit 2022” in a hybrid format on Saturday (26/02) at the Emeralda Golf Club in Depok, West Java. This event ran concurrently with the Fun Golf activity and was held to show appreciation to all Jalin members who worked together and synergized to get through 2021.

CEO of Jalin Boyke Yurista, expressed his heartfelt gratitude to all members. Boyke invites all members to maximize each other’s potential and develop mutually beneficial, long-term collaboration. “On behalf of the entire management, I would like to thank you for the good synergy, and please keep in mind that the cooperation that has been established can be improved further so that it is mutually beneficial for Jalin and all members,” Boyke said.

Jalin CX Summit is the company’s first event held and packaged in the form of awards to show appreciation to all members. The following members have received awards:

  1. The Best Partner of The Year (Bank Mandiri)
  2. The Most Active Issuer ATM Business (BRI)
  3. The Most Active Acquirer ATM Business (BNI)
  4. The Most Excellence Sharia Bank (BSI)
  5. The Most Responsive Bank (BCA)
  6. The Most Supportive Bank (BTN)
  7. The Most Cooperative Bank (BPD Lampung)
  8. The Most Excellence Growth BPD (BPD Sumut)
  9. The Most Loyal Bank (Bank Ganesha)
  10. The Most Active QRIS (Bimasakti)

Jalin also hosted a webinar titled E-Commerce and Its Challenges in the Digital Age on the same day. The chosen theme supports the company’s plan to become a digital payment enabler in Indonesia, particularly in the digitization of the payment system and the expansion of the acceptance of the locally known as “Gerbang Pembayaran Nusantara” (GPN) debit card as an online payment tool. Bima Laga, General Chair of the Indonesian E-Commerce Association (idEA), and Joni Haryono, General Manager of PT Infinitium Solutions (PTIS), spoke at the event.

In 2021, the reported value of e-commerce transactions had reached Rp401 trillion, and the potential for people who already use the internet but are not yet digitally literate is 20% of the total value of Indonesia’s population. “Two key factors that supported the growth in the use of e-commerce are logistics and a digital payment system, therefore it is essential for us to start supporting the growth of MSMEs because the majority of MSMEs in Indonesia are in the micro sector so that they can quickly switch to a digital ecosystem,” said Bima Laga.

Joni Haryono added that a safe system and provide convenience for users are needed to support the community switching to digital payment transactions. One of the systems that can guarantee this is the use of 3 Domain Secure or 3DS. “Through 3D Secure implemented by Jalin for all its members, Jalin will be represented as a directory server connecting payment gateways with bank members. This is expected to provide security for the public when transacting with GPN debit cards in e-commerce,” added Joni.

This advantageous time also provides an overview and broadens the acceptance of GPN debit cards, which were previously only accepted at offline merchants, to include online merchants. “Members can use this to answer public questions about how to maximize the use of GPN debit cards when transacting in E-Commerce at online merchants. This feature is consistent with Jalin’s role of providing convenience in every financial transaction in order to support the larger vision of becoming The National Digital Highway “Boyke concluded.


CIMB Niaga and JALIN cooperate to increase customer banking transactions

CIMB Niaga and JALIN cooperate to increase customer banking transactions

JAKARTA. On Monday, November 8, 2021, PT Bank CIMB Niaga Tbk (CIMB Niaga) signed an online collaboration agreement with PT Jalin Payment Nusantara (Jalin). CIMB Niaga collaborated with Jalin to expand the scale of banking transaction volume, as Jalin’s switching services under the brand “Link” operate one of the largest ATM networks in Indonesia today.

Lani Darmawan, CIMB Niaga Consumer Banking Director, stated that the relationship between CIMB Niaga and Jalin benefits both parties (mutualism). In this circumstance, CIMB Niaga can use all Link network channels to give consumers convenience and comfort when executing financial operations. From cash withdrawals to balance checks and fund transfers, all banking channels integrated into the Link switching network are available.

“We can improve operational efficiency while providing more benefits to customers by partnering with Jalin. It also forms part of our commitment to the cashless society movement “Lani stated.

Boyke Yurista, CEO of Jalin, welcomed CIMB Niaga, Indonesia’s second-largest national private bank, as a member of Jalin. This is a positive trend in the atmosphere surrounding Jalin’s 5th birthday, which occurred yesterday, November 3, 2021.

“We will continue to provide the best service to all Jalin switching service members so that all of our members can increasingly provide a better, faster, and safer transaction experience for all customers, including the Indonesian people in general.”

Boyke added, Jalin is committed to providing guaranteed safe and efficient financial transaction services to all CIMB Niaga customers and other members. The collaboration will provide benefits for the implementation of transactions carried out via electronic media channels, such as transaction management services via ATMs, as well as facilities and services that Jalin will develop in the future.

Jalin’s decision to become The National Digital Highway aligns with CIMB Niaga’s intention to make digitalization the Company’s primary strategy. CIMB Niaga expected digitalization to be a driver of business growth, along with a shift in the behavior of Indonesians who increasingly use digital channels for financial transactions.

CIMB Niaga is continuing to develop digital-based products to supplement the services offered by branch offices. As of September 30, 2021, digital banking services such as OCTO Mobile, OCTO Clicks, BizChannel@CIMB, Automated Teller Machines (“ATM”), and Mobile Accounts accounted for 96 percent of total customer transactions.

“Jalin is also targeting double-digit revenue growth in 2021 from Switching ATM Link, Switching Debit Link, Switching QRIS, and Managed Services to prepare Jalin for challenges in the coming year by developing new digital-based products and services that will be released next year,” Boyke said.

5 Years of Jalin Giving More Meaning in Every Step of Your Digital Way

5 Years of Jalin Giving More Meaning in Every Step of Your Digital Way

November 3, 2021, marks the five-year journey of PT Jalin Pembayaran Nusantara (Jalin) in Indonesia, who continues to play an active role in realizing the efficiency and sovereignty of the national payment system. Now, Jalin is ready to take a step forward in realizing its vision to become The National Digital Highway that provides convenience and more meaningful digital transaction experience in every step of the Indonesian people.

Jalin was established on November 3, 2016, by the initiative of the Ministry of SOEs, Telkom Indonesia, and the Association of State-Owned Banks (Himbara), namely BNI, Bank Mandiri, BRI, and BTN. Jalin’s business move began in 2017 when it obtained a Principal License for ATM Switching and a Principal License for Debit Switching and Clearing. Then, since June 19, 2019, following the direction of the Ministry of SOEs, Jalin’s majority shareholder changed, which was owned by Telkom Indonesia to PT Danareksa (Persero).

This is part of Jalin’s strategic step to support the cashless society movement promoted by the Government since 2014. As a starting point, Jalin provides two primary services, namely ATM switching and Debit switching with the “Link” brand to facilitate inter-bank transactions anytime, anywhere.

In 2018 Jalin obtained Operational Approval for the BI-RTGS System Participation. In the same year, Jalin continued its innovation by preparing ATM Managed Service business. This service was officially launched on January 1, 2019 and became one of Jalin’s core businesses in addition to switching services.

The ATM Managed Service is an innovation to provide support in managing ATMs owned by banks that are members of Jalin. The scope includes the maintenance of ATM machine and ATM cleanliness. This is in accordance with Jalin’s mission to support the management of technology-based national banking physical channels, thereby providing efficiency and increasing service security for Jalin bank members.

A new milestone in Jalin’s journey as a Switching Institution occurred in 2019 when the company received a permit as a QRIS operator by Bank of Indonesia (BI). 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.

Through QRIS, QR code operators can be interconnected and interoperable. To support the implementation of the BI QRIS program, Jalin partners with several PJSPs (Payment System Service Providers) consisting of Banks and Non-Banks who are members of Jalin’s QR Switching service.

In 2020, Jalin also played an active role in supporting the merger process of 3 government-owned Islamic banks into Bank Syariah Indonesia (BSI), at the direction of the Vice President of Indonesia. This support was carried out through the integration of information technology systems of Bank Syariah Mandiri, BNI Syariah, and BRIS during the interim merger to become BSI.


Strengthening Foundations and Elevating Growth Value


Now, in its fifth year, Jalin is ready to transform into a digital enabler that connects people with financial and non-financial ecosystems. Titled “Jalin5ary” (Jalinfiversary), the number 5 in the logo reflected the spirit of the fifth anniversary, which combines blue and red colors with dynamic shapes and symbolizes digitization.

The tagline “In Every Step of Your Digital Way” complements the logo as a reflection of Jalin’s commitment in presenting a variety of new payment service innovations. Three main keywords make up this tagline; We Grow, We Transform, and We Make It Happen, which contain the mission of strengthening the foundation and elevating the growth value.

We Grow is a strategic step that becomes the initial foundation to face the era of digitalization and the changes of Jalin business landscape. The fundamental thing to do was by defining a new corporate culture, marked by the launch of JalinID culture on Jalin’s fourth anniversary. A year since its implementation, now JalinID plays a pivotal role in shaping the character of Jaliners who are more capable, synergistic, and resilient in facing changes due to business challenges and the pandemic.

We Transform is Jalin’s initiative in facing challenges in the VUCA (Volatility, Uncertainty, Complexity, and Ambiguity) era in order to grow. This is marked by organizational transformation to strengthen the foundation and Jalin’s active involvement in various national economic development synergies initiatives, which is realized through the cross-border QRIS payment system and PMO Shared Service.

We Make It Happen is Jalin’s commitment in realizing an interconnected, interoperable, and efficient payment system in Indonesia, along with the technological advances and the increased mobility of people. This is presented through the addition of Link network members which currently have 31 members consisting of banks and non-banks, various business synergies with industry players, as well as investments in digital innovations.

To support interbank transaction infrastructure, Jalin also synergizes with BUMN and Himbara in developing various service features for Jalin member banks, including Himbara. Digital innovations and physical channels such as Automated Teller Machines (ATM), Cash Deposit Machines (CDM), and Cash Recycling Machines (CRM) are also being developed so that people’s financial activities can be more convenient.

Entering the fifth year, Jalin will continue its active contribution in realizing efficiency of the national payment ecosystem. At the same time, Jalin supports the Government’s program in expanding payment services that reach all corners of the country. Supported by business activities based on effective and good corporate governance, in the future Jalin will be more ready to accompany people’s every step of digital transaction way.

Jalin and Bank Jatim Agree on Business Cooperation in Integrated Financial Services

Jalin and Bank Jatim Agree on Business Cooperation in Integrated Financial Services

Jakarta, October 1, 2021 – PT Jalin Payment Nusantara (“Jalin”) signed an online Cooperation Agreement (PKS) with PT Bank Pembangunan Daerah Jawa Timur Tbk (“bankjatim”). The agreement is part of Jalin’s efforts to broaden the reach of banking switching services for the Regional Development Bank (“BPD”) segment. Bankjatim is the first BPD bank book 3 to join Jalin, with total assets of IDR 95.48 trillion.

CEO of Jalin Boyke Yurista stated that this collaboration is a good synergy between companies, particularly during the current pandemic recovery period. “Jalin will provide integrated solutions for all members by providing the best service and continuing to innovate products in order to meet future challenges,” Boyke said.

Through this partnership scheme, Jalin and bankjatim will also open up opportunities to collaborate in accelerating digital financial transformation, an initiative launched by bankjatim that not many BPDs have done. Tonny Prasetyo, Director of Information Technology and Operations bank jatim, stated that the bank is currently conducting intensive innovations based on digital services for its members. “We must continue to adapt in the face of the current pandemic, one way being through the most recent digital branding, namely JConnect. The good cooperation between bankjatim and Jalin will continue to be improved and sustainable in the future “Tonny stated.

Support to bankjatim is provided by following the company’s strategic plan to transform Jalin into a digital enabler that connects the community with financial and non-financial ecosystems, thus making it a National Digital Highway. The aim is to strengthen the efficiency of business processes and services for Jalin members. “In the future, by participating in the implementation of the Bank Indonesia Payment System Blueprint 2025 and being directly involved in Open API and Open Banking services, we will provide convenience and ease of financial transaction systems to the public through products and services,” Boyke added.

In 2021, Jalin expects Switching ATM Link, Switching Debit Link, Switching QRIS, and Managed Services to make a contribution double-digit revenue growth. Jalin has also developed a solid digital platform that will enable prudent, safe, and competitive growth through strong governance management. According to the management report for the second quarter of 2021, Jalin’s switching service processed more than 400 million transactions, and the managed service business segment grew by operating more than 13,000 SLM and Premises ATMs, an increase of up to 100% over the same period the previous year.

Jalin has become a company that is committed to providing services to all members through business activities that are based on excellent and effective corporate governance. Jalin also consistently strives to run the business by implementing risk management for all transactions carried out in order to provide members with a sense of security. “As a company that relies heavily on technology devices, information systems, and networks, we always maintain the trust and security of Jalin member transactions in accordance with the guidelines and standardization required by ISO 27001:2013,” Boyke concluded.

5 Advantages of QRIS Payment Methods

5 Advantages of QRIS Payment Methods

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.


5. Reliable


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.