#1DIGITAL FINANCIAL INCLUSION IN INDONESIA B BANK INDONESIA BANK SENTRAL REPUBLIK INDONESIA Rp Genggaman BRILink Tray Celine LAKHMAD GHOZALL Melayar BAKAR LISTRIK BAYAR TELEPON TEMAN da dalam BANK INDONESIA 2016 SAYAR CICILAN BELI PULSA TRANSFER LAYANAN Tbank Setor Tarik Registrasi#2B AGENDA Financial Inclusion in Indonesia Indonesia at Glance Strategy Digital Financial Services Electronification Enabler Programs What We Have Done Challenges 2#3B INDONESIA AT GLANCE#4BB Indonesia at Glance High unbanked & Cash-based economy DEMOGRAPHIC FINANCIAL INSTITUTION ±17.000 islands 118 commercial banks +247 M population +178 M adult people + 25.420 bank offices + 95.097 ATM ± 28 M is poor people + 5.036 ± 44% lives in city Source: National Statistic Beaurau, 2012 100 95.5 Payment Behaviour 84.1 80 60 40 20 0 Cash ACCESS TO FINANCE CELEBES PNDO embang ± 209.488 rural banks cooperatives ± 600.000 MFI (incl. non-formal) Source: Bank Indonesia and Ministry SME's, processed. 36% Adults in Indonesia have account in formal financial institution Source: World Bank, 2014 Global Financial Inclusion Index Survey WB 2011: 20% Share of Number USA 94% UK 99% Share of Value 9.9 5.4 2.5 1.6 0.3 0.3 0.1 0.4 Debit Card Credit Card E-Money Voucher Sumber: Bank Indonesia, Survey of Payment Behavioral Pattern in Indonesia (2013) Other 10% 7% Credit card Post office 100% 80% 60% 95% 40% 20% 0% Total 100% 99% 99% 98% 96% 96% 92% Afghanistan Nepal Sri Lanka Pakistan Indonesi Bangladesh India Money transfer service Mobile phone money transfer Bank transfer ■Cash received through another person or received in person Sumber: Gallup, Remittances, Payments, And Money Transfers Behaviors Of South Asians And Indonesians, 2013 0-19 20-39 40-64 65-89 90-100 China 79% No data available India 53% Nigeria 44% Brazil 68% Kenya 75% Tanzania 40% Thailand 78% Malaysia 81% Indonesia 36% Argentina 50% Adult person age >15 years Total Adult in Indonesia = 177,7 Billion Source: Worldbank, Global Financial Inclusion Index, 2014 4#5BB Indonesia at Glance High unbanked BANK INDONESIA FINANCIAL INCLUSION SURVEY 39.8% Having Account with Formal Institution Formal Institution Formal and informal Non formal None BANK INDONESIA FINANCIAL EDUCATION SURVEY Awareness, Knowledge, Attitude dan Behaviour Awareness Score People's Awareness about the financial institutions and services 35,24 Knowledge People's knowledge of the basic concepts of financial Attitude Score The attitude of Indonesian people facing the current financial position Behaviour People's Behaviour in Managing Finances Saving 35.1% 10.2% 17.7% 37.0% Score 54,63 Loan 61,22 Formal Institution Both Formal and Non Formal Non Formal Institution None Score 63,1 15.6% 4.2% 17.6% 62.6% Source: Bank Indonesia, 2015 Financial Inclusion Survey 5#6B Indonesia at Glance Access Point and Poverty Poverty Index. Provinces with lack of bank services have higher poverty level. 18.58 D North Sumatra Riau Riau Islands 6.38 *) 17.22*) Central Sulawesi CRITERIA Underbanked Low equilibrium banked Middle equilibrium banked Overbanked 1 Overbanked 2 (Jawa, Bali) Overbanked 3 (DKI Jakarta) West Sumatra 8 Gorontalo North Maluku West ran Jaya Jambi Bangka- Central Belitung Kalimantan Sout Sumatra West Bengkulu Jakarta South Sulawesi Kalimantan South East Sulawesi Maluku Central Java Lampung 3.95*) Ball East Nusa Tenggara 3.70*) West Java East Java Yogyakarta West Nusa Tenggara *) Percentage of Poor people of total local population Source: Bank Indonesia, Statistic Bureau of Indonesia, analyze, 2012 O 30.66*) Papua 6#7B Indonesia at Glance Low Savings Capability 46% Financial Needs "others: school expenses, transportation cost and payment for rent house Payment for airtime top-up 7% Base respondent: 1,080 Others 14% Food cost 34% Bill Payment 21% Pay loan installments (motorcycle, cre dit etc) 500 My salary usually end up in my kitchen because our expenses for daily food almost lake 30-40% in a month (Pulau Tidung. 28 years old male, entrepreneur) Payment for household 54% Non Financial Needs goods and Saving 9% electronics 6% Sumber: Market research on the value proposition of offering a prepaid card linked to mobile branchless banking in Indonesia, presentation to NETHOPE/E---MITRA/BTPN/VISA, Juli 2014 Top 5 Financial Transactions Done by Unbanked 99% of respondents use cash as payment method for both financial and non-financial needs Total N=6000 Male n=2367 Female n=3633 Urban n=3160 Rural n2840 >GK n=2239 <GK n=3761 Purchase of Goods 88% Utilities Payment 83% Purchase of goods for daily consumption and payment public utilities, e.g electricity, are the most popular transaction Airtime Payment 60% 65% 55% 68% 51% 73% 53% P2P Transfer 58% 40% 75% 559% 55% 61% 56% Receiving Salary 55% 72% 39% 53% 57% 54% 55% Sumber: Survey of Users and Nonusers of Financial Services 2014, Intermedia 7#8KIIIH) B | Indonesia at Glance HIGH MOBILE PHONE & HUGE INFORMAL SECTOR > 310 Millions → >90% is prepaid mobile phone subscribers in Indonesia ± 13 Millions poor household in Indonesia have mobile phone Source: Preliminary Meeting of PKH Pilot Project, Bappenas, September 2013 2,3% www total of internet user is in Indonesia of internet users in Indonesia spend > 3 ↳ 40% hours to go online Source: Indonesia the Untold Stories, Ministry of Communication and Informatics, 2014 HIGH INFORMAL SECTOR potential agent (third parties) 80,00 70,00 60,00 50,00 SURVEY of MOBILE PENETRATION: 40,00 . 51% of household of PKH recipient 30,00 20,00 • 100% of migrant workers 10,00 • 73% of farmers (Mercy Corps) 0,00 Kepulauan Riau DKI Jakarta Banten Kalimantan Timur Kep. Bangka Belitung Bali Jawa Barat DI Yogyakarta Riau Sulawesi Utara Sumatera Utara Jambi Kalimantan Tengah Jawa Tengah formal sector Informal sector Sulawesi Selatan Aceh Papua Barat Jawa Timur Bengkulu Gorontalo Sumatera Selatan Kalimantan Barat Sumatera Barat Kalimantan Selatan Sulawesi Tengah Sulawesi Tenggara Maluku Lampung Sulawesi Barat Nusa Tenggara Barat Maluku Utara Nusa Tenggara Timur Papua#9B STRATEGY#10B STRATEGY Challenges and Background for National Strategy 30 25 23 C Demand Side H (People) A •No bank around or it takes time and cost to the nearest branch • Higher cost for small transaction • Low Financial literacy • Unmet product • Culture and Habit Higher cost for setting up a new branch L L E N GES G Supply Side • Complex proccess (Bank) • High formality • Open bank offices is regulated by regulations • Requirement by internal bank • Prefer non-grass root customer • Prefer bigger transaction Self Reported Barriers to Use of Formal Services Not enough money Too expensive Family member already has account Too far away Lack of necessary documentation Lack of trust 13 Religious reasons 5 18 20 Source: Demiguc-Kunt and Klapper, Worldbank, 2012 Background for National Strategy 1. Better coordination will benefit existing initiatives and projects 2. Opportunity to coordinate with clear KPI's and responsibility 3. To continue and expand current initiatives 4. To identify ways of overcoming bottlenecks 5. To propose possible/necessary breakthrough 10 10#11B! STRATEGY National Strategy for Financial Inclusion NATIONAL STRATEGY FOR FINANCIAL INCLUSION Financial Education • Curriculum Integration Literacy Survey • National Campaign • Public Financial Facility Mapping on Supporting Policy/ Regulation Intermediation Distribution Facility Customer Protection Subsidies & social assistance (GtoP) • SME Empowerment • Financial Information Information System of National Financial Identity Credit Rating • Regulation, e.g KYC, micro insurance, GtoP transfer, SME empowerment • Development and innovation of distribution channel, product dan services IT Development Payment System . Financial Services 11#12B| STRATEGY Dual Strategy: Infrastructure & Ecosystem Infrastructure through DFS 64% Debit Card Credit Card 36% banked ELECTRONIFICATON E-Money Ecosystem: GOES COMMUNITY unbanked DFS Bank, Bank Branch Insurance, etc Agent FINANCIAL INCLUSION ATM e-Banking BANK Bank CASH. BASED unbanked ACCOUNT BASED unbanked DFS LAKU PANDAL banked Keeping/ Transfer Savings Loan EDUCATION Other Financial Products 2#13B| STRATEGY A transaction Account Financial Management Capability Keeping | Payment | Transfer Digital Financial Service ....is to provide access to a transaction account Cash Based I Account Based Unbanked People Financing Savings E-money Empowerment Other financial products Time 13#14B DIGITAL FINANCIAL SERVICES#15B Agent: DIGITAL FINANCIAL SERVICES Business Model is payment and financial services that are done through cooperation with third parties and using mobile or web-based technologies related to financial inclusion*. Bank & Non Bank 1. Local people/legal entity business 2. Have business activity in permanent place 3. Pass the fit and proper test 4. Pass training program 5. Deposited fund Agen Services: 1. Facilitating Open E-Money account 2. Keeping/Saving 3. Withdrawing fund 4. Billing Payment 5. G2P point of access Product services offered: Electronic Money (server Based) 12345678 12/15 Jessy Ayudia Simanungkalit SAMSUNG Head Office USSD Service Level of Agreement (SLA) 2 Call Centers: Customer & Agent Branch Agent Deposit Branch (full cover) SLA SLA TELCO AGENT AGENT AGENT (Individual) (legal AGENT (Individual) (legal entity) Monitoring entity) Encryption Real time Notification Dual Authentication Customer *) Bank with higher capital (> $5 billion) may collaborate with individual agent Other Bank and Non bank may collaborate with legal entity agent 15#16B¦ DIGITAL FINANCIAL SERVICES RULE OF THE GAME PROVIDER High capital bank/non bank • Good risk management, governance, IT & internal control AGENT • • • Full KYC AML & TF • CDD by agent, approval by bank • Limit TECHNOLOGY · Real time transaction • Dual authentication • High standard security in . • software, hardware & network Fraud detection Automatic log-off R Rp • RISK MANAGEMENT Integrity, competency & reputation Local people Has own business in permanent place Deposit Non exclusive CUSTOMER PROTECTION • Price transparency • Call center • Financial education Transparency Education Redressal 16#17B ELECTRONIFICATION#18B ELECTRONIFICATION Ecosystem ELECTRONIFICATION: CASHLITE POLICY Government Government G2G Private Sector / Business G2B Individual/ Person G2P Budget allocation Grants, payment for Funding programs Private Sector / Business B2G Taxes, fees, permits Development Organization D2G Taxes Individual/ Person P2G Taxes goods and services B2B Payment for goods and services in value chain D2B Payment of goods and services P2B Purchases Salaries, pensions Social protection B2P Salaries, Benefits D2P Salaries, benefits Cash transfers P2P Remittances, gifts#19B ENABLER 19#20BENABLER HIGH GROWTH SMARTPHONE Smartphone Users In millions Penetrating The Mobile Market Smartphone Ownership by Country Ranking the top 10 smartphone friendly nations by ownership, usage & penetration. Segmented per million US India Indonesia 800 700 600 500 400 300 200 100 100 0 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 Sources: comicore, ektes, Kalon Grove, intelligence Estimates 9 UK Smartphones: 39.5 Population: 61.1 Penetration: 64% smsglobal* 8 Germany Smartphones: 44.5 Population: 81.8 Penetration: 54% Russia Smartphones: 58.2 Population: 142.9 Penetration: 40% India Smartphones: 167.9 Population: 1,237.4 Penetration: 13% Mexico Smartphones: 34.6 Population: 112.3 Penetration: 30% 6 Brazil Smartphones: 48.6 Population: 201.1 Penetration: 23% United States Smartphones: 184.2 Population: 320.8 Penetration: 57% Indonesia Smartphones: 52.9 Population: 237.5 Penetration: 22% Japan Smartphones: 57.4 Population: 127.6 Penetration: 44% China Smartphones: 574.2 Population: 1,400.1 Penetration: 41% • . ● Indonesia has one of the fastest-growing user bases in the world: Nearly 60 million of the country's citizens will have smartphones in 2016. At 250 million people, Indonesia is approaching the population of the US. The country's per capita income is rising fast, which will undoubtedly help its citizens about half of whom are under 30 purchase the latest mobile device. Samsung is setting up a $20 million facility in West Java. Oppo and Haier are finishing construction of their own manufacturing plants in the country. Indonesia's smartphone users are expected to grow at a compound annual growth rate (CAGR) of 11.2% between 2016 and 2020, to reach ~100 million and become the fourth-largest global market.#2175+ 70-74 65-69 60-64 55-59 50-54 45-49 40-44 35-39 30-34 125-29 20-24 B! ENABLER HIGH PRODUCTIVE AGE Indonesia Population Pyramid in 2010* (in thousand) 15-19 L 10-14 5-9 0-4 15.000 10.000 5.000 Male 00 Female I 75+ 70-74 65-69 60-64 55-59 50-54 45-49 40-44 35-39 30-34 25-29 | 20-24 15-19 10-14 Indonesia Population Pyramid in 2035** (in thousand) 5-9 0-4 5.000 10.000 15.000 15,000 10,000 5,000 00 ☐ 5,000 10,000 15,000 Male Female 2000 2005 2010 2015 2020 RURAL 42% 46% 50% 54% 57% URBAN 58% 54% 50% 46% 43% Sumber: BPS, BI, diolah#22B PROGRAMS#23B¦ PROGRAM Current Financial Inclusion Programs The bottom of the pyramid Rp POS Agen Government/ Business CASH-LITE (Electronification) Financial Education G2P Islamic FI Fin Inclusion Information System Digital Financial Service Bank & Non Bank As an account Mobile Phone based & Electronic Money M-Agri (PIHPS) Remittance Interoperability Interconnection (Database & Dashboard) Customer Data Profile E-National ID BIG DATA (behavior) Smart data & Algorithm Credit Score □ Excellent Good Fair Micro CREDIT SCORING Credit 23#24BIGOES B GOES COMMUNITIES Electronic G2P Program / Ministries Family Hope Social Ministry Social Program (PKH) Aid Family Welfare Social Ministry Savings Program (PSKS) Cash Transfer Program for Poor Ministry Ministry of Education & Religious Affairs Total Funds and Beneficiary 2015 Rp5,58T/ Rp9,3 T/ 15,5million households Rp10,3T / 12,6 million students 2016**) Rp12 T/ $900 mill 6 million households Rp11 T / $815 mill 18,3million households Rp12 T/$900 mill 19,2 million students 3,5 million households Village Student (PIP) Fund Village Fund/ Ministry of Village Rp20,8 T/ 74.095 Villages Rice for Housheold Social Ministry Subsidy Fertilizer Ministry of Agriculture Rp39,5 T Rp 18,9T/ 15,5 mill households Rp47 T/ $3,5 bill 74.754 Villages Rp21T/$1,4 bill 15,5 mill households Rp30,1 T/$2,2 bill **) Proxy 24#25B WHAT WE HAVE DONE#26B Regulation ܀ What We Have Done Current States • • Launch Digital Financial Services regulation, that enable bank/non bank provider to collaborate with third party (agent) to serve society on payment transaction, learning keeping in non cash. FSA issued LAKU PANDAI (branchless banking) regulation Financial Education . . Financial education for students Sector: migrant worker, farmer, fisherman, society at the border areas Infrastructure P2P transfer through mobile number and interoperable amongst Telco Regional credit insurance agency (DPUM) On-progress: New business model for remittance, Financial Inclusion Information System (SIKI). Electronification • Non Cash Movement Declaration • • • . Collaboration with Government (ministries and local government) Bandung Smart City Jak One-Smart City Interconnection Monitoring ܀ • • Monitoring Information and Data Financial Inclusion Survey and Financial Education ⚫ DFS Survey Financial Inclusion Indicators 26#27BB DIGITAL FINANCIAL SERVICE DFS Agents are in all provinces 5 banks & 3 telcos* Total DFS Agent 75.534 (Jan 2016) = 36.780 emoney acc = 16.578 emoney acc. = 15.413 Agents = 4.759 Agent Agen Agen = 9.912 emoney acc = 5.660 Agents POS POS Agen Agen =1.067.369 emoney acc *) 4 banks full DFS - 1 bank & 3 telcos = 42.863 Agens Agen only legal entity agent = 22.681 emoney acc 3.048 Agents 2007 50,000,000 45,000,000 40,000,000 35,000,000 30,000,000 25,000,000 20,000,000 15,000,000 10,000,000 5,000,000 E-Money Development 2008 2009 2010 2011 2012 2013 2014 Dec-15 Cards -LHS -Value (Rp Mill) - RHS Rp = 243 emoney acc = 1.791 Agents 700,000 600,000 500,000 400,000 300,000 200,000 100,000 )#28B! HARI GINI PAKAI UANG TUNAI? HARI GINI PAKAI UANG TUNAI? Pakai kartu prabayar e-Ticket Transjakartal ayment E-Paymen kir Elektroni ELECTRONIFICATION Implemented Programs Expansion of Telco Network Services Bank and Non Bank Synergy Public and Government Services in 34 Ministries E-Commerce Services Local Government Services BUMN and COMMUTER PT KAI COMMUTER JABODETABEK BUMD Services МАНАМЯНЯ ИЛЯ ИАТЈА ГЭЖ ИЛЕТИ KEMENTERIAN SOSIAL REPUBLIK INDONESIA JAYA RAYA BNP2TKI Jak-One, Jakarta Smart City, 2016 Bandung Smart City, 2015 GNNT Declaration and MoU, 2015 E-ticketing Train/Transportation KCJ, 2013 and 2014 Promoting Non Cash Program in commercial areas (ex: UI Canteen), 2013 ATM Interconnection Transfer between Principals, 2013 E-ticketing Airport Train Kuala Namo, North Sumatera 2013 Pilot Project Branchless Banking, 2013 Interconnection P2P Transfer between 3 Telco, 2013 E-ticketing Bus/Public Transportation TransJakarta, 2013 O E-ticketing Bus/Public Transportation TransJogja and Solo, 2012 E-payment Tol, 2009 28#29B 0.380 0.360 0.340 0.320 0.300 0.280 0.260 0.240 0.220 0.200 MONITORING TOOL National Financial Inclusion Index Dec-11 Jan-12 Feb-12 Mar-12 Apr-12 May-12 Jun-12 Jul-12 Aug-12 Sep-12 Oct-12 Nov-12 Dec-12 Jan-13 Feb-13 Mar-13 Apr-13 May-13 Jun-13 Jul-13 Aug-13 Sep-13 Oct-13 Nov-13 Dec-13 Jan-14 Feb-14 Mar-14 Feb 15 0.348 Apr-14 May-14 Jun-14 Jul-14 Aug-14 Sep-14 Oct-14 Nov-14 Dec-14 Jan-15 Feb 15 0.328 Notes: Low (0,00 0,30) Medium (0,31-0,60) High (0,61-1,00) Using Sarma - 2012 Method, the index shows the measurement of access and usage dimension in Indonesia. Using data on Indonesia, Index of Financial Inclusion in November 2015 are categorized for having medium level of financial inclusion (±37%). Feb-15 Mar-15 Apr-15 May-15 Jun-15 Jul-15 Aug-15 Sep-15 Oct-15 Nov-15 29 29 Nov 15 0.37#30B CHALLENGES#31B| 'T" CHALLENGES Fast growing agent acquisition yet low customer adoption To change mindset and cash society behavior need time and expensive. Limited campaign and education resulted in low adoption level of LKD and low awareness of e-money. Need to strengthen the synergy between bank and telco Ineffiective synergy between bank and telco, currently impacted into: High transaction charge of mobile financial transaction (around 10% to 15% higher than telecommunication charge of general airtime consumed by public) The strength of telecommunication network needs to be enhanced Need to build ecosystem and infrastructure that reliable, secure, and support interconnected Limited telecommunication network in rural area and blind spot contribute into low service quality of LKD in several area as well as constrained the development of agent. Improve liquidity adequacy in agent to support the demand Coordination and Supporting regulation amongst related stakeholders Urgent need for coordination and proportional regulations between central bank, financial and telecommunication regulator, and other government agency that are supporting each others.#32B! Terimakasih!#33B❘ ELECTRONIC MONEY Characteristic Payment Media Store in specific media Prepaid Not Savings keeping ELECTRONIC Transaction MONEY Small amount Frequent transaction Massive Fast Type MEDIA RECORDED ➤ Chip Based (Off-line) Ex: e-Toll, Flazz, JakCard, e-Money ➤ Server Based (On-line) Ex: e-Cash, T-Bank, Rekening Ponsel ➤ Registered (plus transfer & cash out, max Rp 5 million) Ex: e-Cash, T-Bank, Rekening Ponsel ➤ Unregistered (only payment, max Rp 1 mil) Ex: e-Toll, Flazz, JakCard, e-Money 33#34Digital Financial Services - agent SCHARIAN MURAH GSM/CDMA CEPAT AGEN LAYANAN KEUANGAN DIGITAL NENENG (LKD) No. Agen: 006-4039-10030 ASIN DAMIKAN BAN HM UK Rektronik CGMC GetProduk Pasti MITO mandiri NOKIA BANK MANDIRI <e-cash:Selamat. upgrade layanan mandiri e-cash di agen akrudin berhasil. Hubungi Pilihan RAM Kembali SAMSUNG OK O AGE Lavo l σo 2 ABC A GHI 7 PQRS *8 5 JKL B TUV □ ± DEF 6 MNO WXYZ #四季 999*#35Digital Financial Services - agent Cirebon Profile: Name : M.Fauzi Age : 28 Job : Owner of grocery shop Income : Avr. USD 500/ month Education: Bachelor KIOS mandir Cahaya Mandiri Putri Nining Sunengsih nomor aym: 006-01:18-05 manden MO DE ry S 35#36Digital Financial Services - agent brochure ELECTRONIC MONEY WITHDRAWAL YOU ARE ATTEMPTING TO WITHOR YOU DO YOU WANT TO WITHDRAW YOUR MONEY? SUE, WE CAN HELP! INFORM AGENT ABOUT YOUR ACCOUNT NUMBER AND AMOUNT OF MONEY TO BE WITHDRAW ENTER YOUR ****** YOU HAVE WITHERAWED YOUR MONEY REMEMBER! BE SURE TO TRANSACT AT THE OFFICIAL AGENT DON'T SHARE YOUR PIN MAKE SURE YOUR PHONE NUMBER IS ACTIVE WITH SUFFICIENT AIRTIME MAKE SURE YOU RECEIVE NOTIFICATION FOR EVERY TRANSACTION ✓ CONTACT AGENT OR GO TO HELP MENU CONTACT CALL CENTER IF YOU HAVE ANY PROBLEM PECEIVE NOTIFICATION OF WITHDRAWAL CONFIRMATION ENTER YOUR PIN RECENE WITHDRAWAL NOTIFICATION ANOTHER FACILITIES TRANSFER PAYMENT (SHOPPING, ELECTRICITY, WATER, BALANCE CHECKING INSTALLMENT WHORMAL CASH OUT FOR GOVERNMENT PROGRAM HOW MUCH IS THE BALANCE LIMIT FOR REGISTERED E-MONEY? - Maximum balance: Rp.5 million - Maximum transaction in a month: Rp. 20 million HOW ABOUT THE TRANSACTION COST? The cost is very affordable, just like costs charged by bank. Agent will provide the list of fee/cost BB BANK INDONESIA INDONESIAN CENTRAL BANK Financial Access and SME Development Department JI. MH Thamrin 2 Jakarta, Indonesia 10350 www.bi.go.id or Regional Offices of Bank Indonesia B DIGITAL FINANCIAL SERVICES Through Individual Agent Genggaman TEMAN dalam#37Digital Financial Services - agent attributes Logo Bank SERTIFIKAT Nama Usaha atau Toko Alamat Usaha Agen LKD No. Agen LKD: xxx/xXXX/XXXXXXX Foto Agen atau Penanggung Jawab Agen LKD Logo LKD Agen Layanan Keuangan Digital Nama Usaha Agen LKD No. Agen LKD: XXX/XXXX/XXXXXXX DAFTAR LAYANAN & BIAYA * Layanan A Rp. * Layanan B Rp. Nama Agen LKD atau penanggung jawab Agen LKD * Layanan C Rp. Dinyatakan telah lulus uji tuntas dan ditunjuk sebagai: Agen Layanan Keuangan Digital Nama Bank Wilayah Operasional Masa Berlaku Sertifikat* * Layanan D Rp. * Layanan E Rp. Nama dan Tanda Tangan Pejabat Bank Jangka waktu penunjukan sebagai Agen LKD Rp Mahkota M. Wahyu Panjaitan No.008/35/08762 Untuk pertanyaan atau keluhan dapat menghubungi: Nomor telepon layanan pengaduan (Call Center] atau Alamat Kantor Bank terdekat yang ditunjuk Logo Bank Logo Produk Logo LKD <---30470061 ロー bKash AC BANK#38Digital Financial Services - G2P Kartu Keluarga Sejahter Kartu Indonesia Pintar Kartu Indonesia Sehat BPJS Kesehatan BI and government launched conditional cash transfer pilot project through DFS agent using electronic money (2014-2015): In the 3rd quarter 2014, G to P program was distributed to 1,860 recipients in 4 area with total grants reached Rp606 millions. Around 20% of the recipients left some of their grants in electronic money. Based on monitoring, the society is benefited in cost and time. It is also a proof that financial education was successfully implemented due to the fact that the society considers to keep some of their grants.#39Digital Financial Services - Islamic financial inclusion ONIK) RUMAH IBADAH stus 2015 WU, MENJUAH JUAH BI and Private Sectors launched non cash movement for religious communities in 2015 with aims to create an electronic collection system for Zakat, Infaq, Sadaqah, and religious donation.#40Electronification 1. Electronic Ticket Trans Jakarta (Bus) Train (KRL Commuter Line) BI and Government launched "Electronic Ticket for Trans Jakarta and KRL Commuter Line" in 2014 as part of Non Cash National Movement. Naik Commuter Line, Tempe! Prepaid Card Aja BRIZZ#41Electronification 2. On Street Electronic Parking Terminal la Merpati AIR Srty Launching E-Payment erminal Pa VA KON BI and Government launched pilot project "On Street Electronic Parking Terminal" in 2014 with aims to create a parking fee collection system in transparent and transparent and accountable manner since the entire statement of earnings can be controlled online and real time.#42Electronification 3. Vehicle tax New Message Cancel To: 08112119211 ATET 36 To: O New Message 1234567890000123 e ESAMSAT <spasi> NOMOR CHASIS <spasi> NOMOR KTP <spasi> ALAMAT EMAIL O QWERTYUIOP ASDFGHJKL ZXCVBNM 123 0 return KODE BAYAR (16 DIGIT ANGKA) + ATM BANK BJB N ATM ID: A656 LOKASI: KANPUS TANGGAL JAM SERI# 06/10/14 16:52 554019 CETAK ULANG RUKTI PEMBAYARAN SKPD KD BAYAR NTB NIK D 3820NH SWOKLLJ 0120100610140003 000000554019 1050180810683004 HENDIKA TRIANDI PUTRA NANGLIT NO 28 RT 05 RW 05 1 KANASAKI /2013 EX250L (NINJA 250 NOKA KAEX250LDDA36500 NOSIN EX250LEA39376 PROGRESIF 1/TARIF 1.75 JUMLAH AP ADV BANK RP TOTAL BYR AP 738,500 738,500 BERLAKU S/D30/10/2015 STRUCK SEBAGAI PENGGANTI SKPD DAN REGISTRASI PENGESAHAN KENDARAAN BERMOTOR TRANSAKSI BERHASIL MOHON DISIMPAN STRUK INI ADALAH BUKTI PEMBAYARAN YG SAH RAHASIAKAN PIN ANDA SECARA BERKALA UBAHLAH PIN SECARA BUB CALL 14049 TERIMA KASIH.. BUKTI PEMBAYARAN PKB TERSEBUT BERLAKU SEBAGAI PENGGANTI SKPD DAN REGISTRASI SERTA IDENTIFIKASI KENDARAAN BERMOTOR PENGESAHAN STNK TAHUNAN Government launched "One Roof Administrative System" in 2015 with aims to create an electronic payment for driving license and vehicle registration certificate.