ATM Link and LinkAja Are Ready to Support Indonesia’s Payment System

ATM Link and LinkAja Are Ready to Support Indonesia’s Payment System

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

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).




Ensuring Operational Excellence in 2021 through Commander’s Call

Ensuring Operational Excellence in 2021 through Commander’s Call

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.

5 ATM Safety Tips to Make Your Transactions Safer During the Pandemic

5 ATM Safety Tips to Make Your Transactions Safer During the Pandemic

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).

Jalin Celebrates Fourth Anniversary through CSR Non Cash Payment Education

Jalin Celebrates Fourth Anniversary through CSR Non Cash Payment Education

In accordance with Jalin 4th anniversary commitment titled, “The Spirit of Synergy for a Tough Nation”, Jalin showed its concern for community through the Corporate Social Responsibility (CSR) program  of Non Cash Payment Education in the form of Electronic Money (Uang Elektronik/UNIK) and learning devices for 300 less fortunate children in South Jakarta, Tuesday (29/12).

The educational fund was given by Jalin VP Corporate Secretary Christianus Panjisasongko through Yayasan Pemimpin Anak Bangsa with the amount of Rp 19.727.999 for 105 children and Sekolah Alam Tunas Mulia Bantar Gebang amounting at Rp 32.777.000 for 195 children, with the total aid fund of Rp 52.504.000.

This program is a part of the Jalin CSR series in the child’s early educational sector that focuses on supporting the growth of the digital payment instrument acceptance in Indonesia as well as to support the “Gerakan Nasional Non Tunai (GNNT)” or Non Cash National Movement Program initiated by Bank of Indonesia. Previously in 2019, Jalin provided similar aid educational funds for 115 children in Fishing Village, Cilincing.

Currently, the Covid-19 pandemic crisis is the main challenge that Indonesia is facing. The non-cash transaction habit to lessen the Covid-19 spreading risk is one of the most important things that need to be socialized. It is hoped that the education program can introduce the non-cash lifestyle to the children to create a new transaction habit that is more digitalized, healthy and secure.





Jalin Enhances Service Quality Through 2020 Link NARU Forum

Jalin Enhances Service Quality Through 2020 Link NARU Forum

PT Jalin Pembayaran Nusantara (Jalin) held a 2020 virtual Link NARU Forum (Christmas and New Year) with representatives from 19 Link services bank members, joined by more than 100 participants, Thursday (17/12).  Link Forum event is a yearly agenda held by Jalin as one of the efforts to enhance their service to all members.

The 2020 Link NARU forum started with greetings from the Vice Director of Jalin, Pramasaleh H. Utomo that addressed the 2020 NARU Key of Success consists of several points which includes; commitment, synergy, technology, people and escalation model. Topics such as Switching services profile (ATM, Debit, QRIS) and Jalin managed service, as well as NARU challenges in 2020 was also discussed.

The forum consisted of several sessions led by experts from respected fields. The first discussion about Switching New Business Update was presented by Jalin VP Switching Solution & Services Moch. Ircham Isfandi, continued by a discussion on the readiness of NARU ATMs managed by Jalin, which was delivered by Jalin VP Managed Service Commercial Pramudya el Namara. The topic regarding the preparation of the 2020 NARU Post by Jalin VP IT Operations Dwi Mahendra completed the discussion on that day.

It was ended with a 2020 NARU preparation commitment sign off ceremony with all Bank member representatives which aims to create synergy and collaboration. With said synergy and collaboration, the achievement of success and NARU 2020 quality improvement will be delivered well, so as to provide the best service to all customers.


Grand Celebration Jalin 4th Anniversary: Spirit of Synergy for A Tough Nation

Grand Celebration Jalin 4th Anniversary: Spirit of Synergy for A Tough Nation

PT Jalin Pembayaran Nusantara (Jalin) held a digital event to celebrate its 4th year anniversary, attended by Jalin employees, stakeholder consisting of PT Danareksa (Persero) and Telkom Indonesia as the parent company as well as Link network members, Saturday (14/11). This year’s celebration has also become the momentum for Jalin to strengthen its commitment through the launching of JalinID corporate culture consists of value; Bisa (Able), Sinergi (Synergy) and Tangguh (Tough).

“Bringing the theme of the “Spirit of Synergy for A Tough Nation”, in its 4th year anniversary we establish new enthusiasm and commitment in supporting the synergy between the Industry players. With the value of AKHLAK by State Owned Enterprises as its foundation, it is hoped that JalinID can become the guiding principle, perspective and behavior of employees thus creating a competent company to support State Owned Enterprises’ continuous performance improvement,” said Jalin President Director Boyke Yurista.

Within the same occasion, The President Director of PT Danareksa (Persero) Ari Soerono congratulated and conveyed his hope towards Jalin as a part of the Danareksa Group, “Even though Jalin’s age is considered very young, but its continuous positive progress and creativity give us big hope for Jalin to keep on growing and creating various breakthrough in the Switching and Managed Service field. Remember, ‘play for the name on the front of the shirt and they will remember the name on the back of the shirt.’ Build and improve Jalin, thus people will know Jaliners. Lastly, representing Danareksa Group, we congratulate you on the launching of JalinID Corporate Culture.”

A string of entertainment events also marked this celebration, among them were the duet performance from the Vice Director of Jalin, Pramasaleh H. Utomo with Jaliners, congratulatory video messages from all members, dress code challenges and door prizes. We express our gratitude for all the supports from stakeholder that has continuously accompanied Jalin’s every milestone and supporting our commitment in bringing efficiency to the nation’s payment system. Until we meet again in our next anniversary celebration!

*The Anniversary event production process has followed the Covid-19 health protocol.