Inovasi Baru Sistem Pembayaran Indonesia: QRIS Tap Berbasis NFC

Summary

Indonesia's payment system introduces a new NFC-based service called Krisap, designed to enhance cashless transactions. This feature simplifies payments for transportation, parking, tolls, and shopping by allowing customers to use mobile banking or digital apps for NFC payments. Unlike previous services using QR codes, Krisap utilizes customer-presented mode (CPM) for faster, seamless transactions. Payment service providers (PSPs) can easily implement the feature by connecting with ATM Bersama QR. With Krisap's integration, PSPs can offer more value to customers while tapping into significant business opportunities across various industries.

Takeaways

• 🚀 Indonesia’s payment system introduces a new innovation: QRIS Tap, an NFC-based payment feature.
• 📱 The feature enhances the cashless lifestyle by making payments faster, safer, and more convenient.
• 🚌 Users can pay for transportation simply by tapping their device using NFC.
• 🅿️ Parking payments can be completed quickly with a tap using the new system.
• 🛣️ Toll road payments and shopping transactions can also be done with a simple tap.
• 🔐 Customers only need to open their mobile banking or digital payment app, select NFC payment, enter a PIN, and tap.
• 🔄 Unlike previous QRIS payments that used QR codes, this system uses a Customer Presented Mode (CPM) with NFC technology.
• 🏦 Payment service providers (PJPs) can implement the feature easily by connecting through the ATM Bersama QR network.
• ⚙️ Once connected, providers can activate both CPM and QRIS Tap features simultaneously.
• 📈 The rollout of QRIS Tap across various industries is expected to create significant business opportunities for payment providers.
• 🌐 The initiative aims to build a faster, safer, and more convenient digital payment ecosystem in Indonesia.

Q & A

What is Crisep?

Crisep is a new NFC-based payment service introduced in Indonesia, designed to enhance cashless transactions across various sectors such as transport, parking, tolls, and shopping.

How does Crisep differ from previous payment systems in Indonesia?

Crisep uses NFC technology for payments, unlike previous systems which relied on QR codes. With NFC, customers can make payments by simply tapping their device after entering a PIN.

What are some of the key features of Crisep?

Crisep allows for quick, secure, and convenient cashless payments in everyday activities like paying for transport, parking, tolls, and shopping, all via mobile banking apps.

How do customers make payments using Crisep?

Customers open their mobile banking or digital app, select the NFC payment option, enter their PIN, and then tap their device to complete the payment.

What is 'customer presented mode' in Crisep?

In 'customer presented mode', customers initiate the payment process, which is then directly processed via NFC, making the transaction simpler and faster compared to QR-code-based payments.

What are the benefits for Payment Service Providers (PSPs) with the implementation of Crisep?

PSPs can easily implement Crisep through integration with ATM Bersama QR, allowing them to activate both customer presented mode and NFC payments without major technical challenges.

How does the NFC-based Crisep system benefit both customers and businesses?

For customers, Crisep offers a fast, secure, and convenient payment option, while businesses benefit from a more efficient payment system that attracts more customers and supports smooth transactions.

What is the significance of the roadmap for implementing Crisep across different industries?

The roadmap for Crisep implementation across various industries opens up significant business opportunities for PSPs, enhancing their reach and profitability through seamless integration.

What technologies or systems are necessary for businesses to adopt Crisep?

Businesses need to connect to ATM Bersama QR to implement Crisep, ensuring they can support NFC payments and integrate both customer presented mode and other payment features easily.

How does the new NFC-based payment service contribute to the broader goal of a cashless society in Indonesia?

Crisep plays a key role in advancing the cashless society by offering an accessible, secure, and efficient payment method, helping to foster a more digitally-driven economy and smoother consumer experiences.