Indonesia Boosts Digital Payment Systems with QRIS and Cardless Cash Withdrawal
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PublishedDec 5
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Indonesia Boosts Digital Payment Systems with QRIS and Cardless Cash Withdrawal

AnalisaHub Editorial·December 5, 2025
Executive Summary
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Executive Summary

Key insights and market outlook

PT Jalin Pembayaran Nusantara (Jalin) has strengthened strategic collaborations with major Indonesian banks and fintech companies to accelerate digital transformation. Key developments include enhanced Cash Deposit Machine (CDM) services with Bank Syariah Indonesia (BSI) and expanded Cardless Cash Withdrawal (CCW) features with BNI. The company has also partnered with BRI and GoPay for cardless cash withdrawal services at BRI ATMs, and with BTN for Cash Management System (CMS) implementation.

Full Analysis
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Deep Dive Analysis

Indonesia's Digital Payment Ecosystem Sees Significant Advancements

Strategic Collaborations Drive Innovation

PT Jalin Pembayaran Nusantara (Jalin) has announced multiple strategic partnerships with major Indonesian financial institutions during the Festival Ekonomi dan Keuangan Digital Indonesia (FEKDI) x Indonesia Fintech Summit & Expo (IFSE) 2025. These collaborations represent significant advancements in Indonesia's digital payment infrastructure, focusing on enhancing accessibility and efficiency across various banking channels.

Enhanced Cash Deposit Machine Services

Jalin has partnered with Bank Syariah Indonesia (BSI) to develop advanced Cash Deposit Machine (CDM) capabilities, expanding the reach of syariah banking through Jalin's extensive retail agent network. This integration is expected to improve cash handling efficiency for BSI customers while broadening the bank's service footprint.

Expanded Cardless Cash Withdrawal Features

In collaboration with BNI, Jalin has enhanced its Cardless Cash Withdrawal (CCW) system, allowing both bank and fintech customers to perform cash withdrawals across BNI's comprehensive transaction network. This development is particularly significant as it addresses the growing demand for cardless transaction capabilities in Indonesia's evolving digital banking landscape.

Multiple Platform Integrations

The company has also established partnerships with BRI and GoPay to enable cardless cash withdrawal services at BRI ATMs for GoPay users, further expanding the reach of digital financial services. Additionally, Jalin has collaborated with BTN to implement a sophisticated Cash Management System (CMS), designed to optimize cash management processes for corporate clients.

Impact on Indonesia's Financial Ecosystem

These strategic collaborations underscore Jalin's commitment to driving Indonesia's digital financial transformation. By leveraging technology and partnerships with key financial players, Jalin is creating a more interconnected and efficient payment ecosystem. The developments are expected to enhance financial inclusion, improve transaction efficiency, and support the growth of Indonesia's digital economy.

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Story Info

Published
1 month ago
Read Time
12 min
Sources
1 verified
Related Stocks
BSIBBNIBBRIBTN

Topics Covered

Digital Payment SystemsFinancial Technology CollaborationBanking Innovation

Key Events

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Digital Payment System Enhancement

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Cardless Cash Withdrawal Expansion

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Cash Management System Implementation

Timeline from 1 verified sources