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.
Gender equality and diversity in the workplace are goals that continuously strived to achieve around the world, including in Indonesia. However, realizing this goal cannot just be done in one night. Many parties must play an active and involved role to create a healthy and friendly work culture for all parties in the company.
Gender equality in the working world itself is one form of implementation of equal opportunity in the workplace, where every individual gets the same job opportunities, careers, self-development, and treatment regardless of differences in ethnicity, race, religion or class, including gender.
According to research from Accenture (2018), equality in the work environment can be the key to drive innovation. Meanwhile, the Grant Thornton International report entitled “Women in Business 2018” stated that the company’s business can improve significantly with the presence of at least one woman in a senior management position.
It is reflected in the women leaders in Indonesia who made positive impacts on the company or community. Some of them are the Minister of Finance Sri Mulyani and the former Surabaya Mayor, who is currently serves as the Minister of Social Affairs Tri Rismaharini.
While within the Danareksa Group, women also occupy many strategic positions, namely the Director of Financial & Business Support PT Jalin Pembayaran Nusantara A. Pawitra Indriati, President Director of PT BRI Danareksa Sekuritas Friderica Widyasari, Director of PT Danareksa Investment Management Egi Indrawati, and Corporate Secretary of PT Danareksa (Persero) Putu Dewika Angganingrum.
Achieving gender equality in the workplace needs an active role from all parties. It can start with a strong leadership team that can openly set, share and measure equality targets. Create unbiased policies and practices in attracting and retaining people that are family-friendly and supportive for all genders. Build a work environment that trusts the employees, respects individuals, offers the freedom to be creative and to train and work flexibly.
Corporate Culture Plays A Vital Role in Creating Gender Equality in the Workplace
Corporate culture is a foundation. It contains norms, values, how employees work, and habits that will ultimately lead to the quality of organizational performance. If companies want to build a corporate culture that can create better gender equality for women to be able to develop and be creative, companies need to have an inclusive and diversity strategy. The strategy also must align with the company’s overall business plan as it will form a foundation for leaders to take action and drive progress.
Creating a culture of equality in the work environment must start from the top, the leader. Company leaders must establish base principles and philosophies in human resource management, where each individual is unique with all individual attributes, including gender. Furthermore, companies need to create a healthy work environment that respects individuals and offers freedom of creation. These basic principles and philosophies need to be put into action through several workplace policies, practices, and programs that must be created and supported to boost progress for all.
In Indonesia, steps to achieve gender equality in the work environment have started from the body of State-Owned Enterprises (BUMN). BUMN Minister Erick Thohir, on various occasions, has repeatedly emphasized his hope that BUMN can achieve the target of 15 percent female leadership in the Board of Directors (BOD) by 2021 and 20 percent by 2023. The BUMN Srikandi Community was also established to provide a forum for women to work in BUMN so they can support each other, build personal and professional capability, and build awareness of all parties regarding competency-based career development and employee performance without any difference in opportunity due to gender.
PT Jalin Payment Nusantara (Jalin), which is part of BUMN with shares owned by Danareksa Group and Telkom Group, tries to answer the challenge of creating a healthy corporate culture and supporting this equality through three main values summarized in the JalinID culture, namely BISA, SINERGI, and TANGGUH. These three main values of Jalin are formed by referring to the values of Amanah, Kompeten, Harmonis, Loyal, Adaptif, and Kolaboratif (AKHLAK) BUMN to ensure harmony with the BUMN culture.
BISA represents a commitment to give more than the best by upholding integrity and professionalism at work. SINERGI represents the value of respecting others, creating and maintaining a harmonious work environment, and prioritizing teamwork. Meanwhile, TANGGUH represents passion and enthusiasm in a dynamic and balanced work environment.
Jalin is a national switching company with its Link service that has a nationwide network across Indonesia. Jalin always maintains employees work comfort by creating a work environment that ensures equality and equal opportunities for both male and female employees. Employees have equal career opportunities at the Company, including holding important positions for high-performing employees.
It is reflected in the job opportunities that women can get at Jalin. Every year, the number of female employees at Jalin continues to increase. In 2019, there were 35 female employees at Jalin. However, this number increased to 40 people in 2020. Women also get the same opportunities as men in strategic positions as long as they have the required competencies and abilities. In 2020, there were at least six women holding Unit Head positions and four women holding Vice President / Dept. Head position.
In addition, employee competency development programs are also carried out based on organizational needs regardless of the ethnic, religious, or gender aspects of the training participants. It can be seen from the fairly even composition of competency development participants for the last three years at Jalin. In 2020 alone, at least 198 technical skill training participants from a total of 496 training are female employees. Meanwhile, the soft skills training was mostly attended by women, namely 13 participants from a total of 22 training participants. This figure shows the great enthusiasm of female employees to always take an active role in increasing competitive value and building better competencies at work.
Building gender equality in the workplace does not come without challenges. The Minister of Manpower of the Republic of Indonesia, Ida Fauziyah, stated in the Women Lead Forum 2021 event that the obstacles faced by women workers were partly caused by double burdens, sexism, stereotypes in society, gender-based discrimination, and sexual harassment. For this reason, a good corporate culture and a national movement of non-discrimination in the workplace are the first steps that each company needs to take to ensure equality practices are well implemented.
In the end, gender equality is a goal that many companies around the world want to achieve, including Jalin. Achieving gender equality cannot be seen only from the number of women in a company. However, we must look from a broader perspective about the opportunities, the rights that are obtained, and the absence of bias in making decisions. Although realizing this is still a big challenge, but with the support of the Government and good corporate advocacy in promoting equality in the workplace, it is hoped that we can create a work environment that is friendly to women. Because, when women rise, companies will also rise up.
A total of 9.862 units of Bank Mandiri ATMs Second Level Maintenance (SLM) are officially managed by PT Jalin Pembayaran Nusantara (Jalin), marked by the online event “Kick Off of Bank Mandiri ATM SLM Transfer of Management”, Wednesday (31/3). The additional 8.425 ATM units, from the original of 1.437 units, is planned to start rolling out as of April 1, 2021 and spread across 12 Bank Mandiri areas throughout Indonesia. This synergy between Bank Mandiri and Jalin can ensure optimal Automated Teller Machines (ATM) services for customers through regular maintenance and machines repairment.
Carrying the theme of “Weave Synergy to Serve the Nation (Jalin Bersinergi untuk Melayani Negeri)”, the event was attended by Group Head of Electronic Channel Operation (ECO) Bank Mandiri Siti Sekarwati, President Director of PT Jalin Pembayaran Nusantara Boyke Yurista, Director of Managed Service Business of PT Jalin Pembayaran Nusantara Fajar Adimarta, Bank Mandiri ECO from 12 regional offices, along with the Department of Managed Service of Jalin. The event consisted of introduction between Bank Mandiri and Jalin team, report presentation on Bank Mandiri ATM management and performance improvement process by Jalin, and closed with the kick off ceremony through virtual group photo session.
“We are grateful for the trust given by Bank Mandiri to Jalin to manage thousands of units of ATM SLM and are committed to continuously maintain the quality of service through the best SLAs. ATM SLM is one of our Managed Service initiatives that continues to be prepared and developed. With the support of Bank Mandiri to Jalin Regional Office, we are optimistic that this collaboration can run smoothly and able to answer the needs of customers,” said Fajar in his speech.
Jalin as a Service Aggregator Company standardizes services and systems to maintain the quality of Bank Mandiri’s ATM SLM Service Level Agreement (SLA) to the best standard, supported by affiliates of the Association of State-Owned Banks (HIMBARA) PT UG Mandiri as many as 46 branches in 12 Bank Mandiri areas. The transfer of ATM SLM management to Jalin is an important step in providing the best Managed Service for banking that is in line with stakeholder expectations, so that in the future payment services through ATMs can be better, more convenient and reliable.
Currently, Jalin manages a total of 14.882 units of ATMs SLM from 5 member banks, with 90.38% or 13.451 ATM units contributed from Bank Mandiri. These preventive and curative second-line ATM maintenance activities aims to minimize ATM damage and extend the life of ATMs. The scope of maintenance includes periodic maintenance called Preventive Maintenance (PM), reparation of ATM machines (including replacement of original spare parts) called Corrective Maintenance (CM), incidental work/special projects, training and consultation services.
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).
In line with the vision of Jalin 2021 which carries the theme “Operational Excellence to Achieve Sustainable Growth”, Jalin started the year by holding a Commander’s Call to ensure program readiness and the best service for members, Wednesday (20/01).
The activity which was attended by all Jaliners (Jalin employees) discussed the evaluation of work achievements in 2020, where in the conditions of the Covid-19 pandemic that hit the world, Jaliners was still able to maintain service quality for all members and achieved double digit revenue growth figures that were getting better from the previous year.
Jalin’s members also increased, from 22 members in 2019 to 29 members in 2020. At the Switching business aspect, Jalin expands its services through Quick Response Code Indonesian Standard (QRIS), Internet & Mobile Banking (IMB) as well as cross-border pilot. Meanwhile, the Managed Service business is also growing, marked by the provision of an e-channel platform and the innovation of Premises 4.0 services.
The 2021 program is also an important agenda for the Commander’s Call discussion as one of the keys so that Jalin can survive and grow in the era of VUCA (Volatility, Uncertainty, Complexity and Ambiguity) which is getting higher. The realization of the program is supported by the strategic objectives of Jalin which are summarized into the TOP WORK strategy which includes aspects of corporate governance to increasing competency and capability of resources.
“Representing the Board of Directors, I would like to express the highest appreciation for the good performance of Jaliners which is always supported by the corporate culture of JalinID and AKHLAK. In 2021, let us build the spirit of innovation, agility and recognize opportunities for improvement so that we can deliver the best service for members, “said President Director Jalin Boyke Yurista conveying his direction.
Through TOP WORK commitment and operational excellence adhering to the 3H principles; Healthy Employees, Healthy Operations, Healthy Business – supported by JalinID culture; Bisa, Sinergi and Tangguh – it is hoped that Jalin as a strong institution can improve the company’s performance which in the end makes a positive contribution to stakeholders.
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).