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Mobile Wallet and Digital Money Introduced in Indonesia

Friday, December 21, 2007

by Eunice Sari and Adi Tedjasaputra

Since the introduction of T-Cash or Telkomsel Cash last month, RFID technology has received a high-profile acceptance in Indonesia. With the use of RFID technology in T-Cash, the demand of RFID Cards and Smart Labels in Indonesia is expected to increase sharply in the upcoming years. The RFID adoption path in Indonesia has become clearer in recent years, but the question of how the RFID adoption will influence the way Indonesians live and affect the other industries in Indonesia still remains unanswered.

T-Cash or Telkomsel Cash is a mobile commerce service provided by Telkomsel, one of the mobile telecommunication service operators in Indonesia. The mobile commerce service enables a user to conduct commercial transactions using either mobile phone or RFID card.

During the launch of T-Cash, which was attended by the Minister of State Owned Enterprises - Sofyan A. Djalil, the President Director of Telkomsel – Kiskenda Suriahardja said "The service is launched as an effort to support the mission of Bank Indonesia and provide a non-cash means of payment which is efficient, fast, effective and secure."

Mobile Wallet and Digital Money.

Transaction with T-Cash system relies on Mobile Subscriber Integrated Services Digital Network Number (MSISDN) – a unique number identifying mobile subscriber, which still requires subscriber to verbally tell merchant at the point of sale (POS) to process any transaction. The use of Smart Labels and RFID cards in any transaction is expected to provide automatic identification of MSISDN by merchant terminals in the near future.

At this stage, the established mobile commerce ecosystem includes Telkomsel as Integrator and also Service Provider; Bank Indonesia as regulator; Indomaret and Modern Foto as Merchants; Bank Negara Indonesia (BNI), Bank Rakyat Indonesia (BRI) and Bank Mandiri as the Financial Service Providers; Department of National Education as academic content provider; and Finnet as switching provider.

Eunice Sari is an ICT Consultant and Researcher with various affiliations to academic and industry organizations. Her current research interest includes ICT4D, m-Learning, e-Learning, Web 2.0, healthcare, wireless and mobile technology. Adi Tedjasaputra is the Founder of RFID Asia - The Prominent RFID Community in Asia.

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Labels: 2.0, card, indonesia, m-commerce, m-payment, mobile, nfc, payment, rfid, t-cash, technology