Jalin Strengthens Cross-Sector Collaboration to Ensure Seamless Digital Transactions During Nataru 2024/2025

Jakarta — PT Jalin Pembayaran Nusantara (“Jalin”), a subsidiary of the Danareksa SOE Holding, has reaffirmed its commitment to secure digital payment systems and operational excellence in anticipation of heightened financial transaction activity during the Christmas and New Year peak season (“Nataru 2024/2025”). This dedication was highlighted during the Link Nataru Forum 2024/2025, held on Wednesday, 18 December, in South Jakarta. The forum focused on ensuring seamless operational services and addressing potential challenges during this period of heightened transaction volumes for the banking and fintech industries.

Bank Indonesia projects cash demand of IDR 133.7 trillion during Nataru 2024/2025, a 2.56% increase from the previous year’s realization of IDR 130.37 trillion. Alongside this, non-cash transactions are also expected to surge, reflecting the needs of over 110.6 million travelers during the holiday period. This increase highlights the growing importance of digital payment solutions, such as QRIS, as practical and efficient alternatives for consumers.

Director of Operations Jalin, Argabudhy Sasrawiguna, emphasized the company’s readiness for the peak season. “We have activated 24/7 personnel to ensure uninterrupted operations of the ATM Link network and other digital transaction services, such as QRIS and Debit, during this period. Additionally, we will operate a Nataru Command Center from 23 December 2024 to 5 January 2025, prioritizing dates with the highest transaction volumes. This initiative will support over 80 banking and fintech members within the Link ecosystem,” he explained.

To accommodate this surge, Jalin recognizes the importance of a sustainable and reliable digital payment ecosystem to support both cash and non-cash transactions. While digital transformation in the financial sector unlocks significant opportunities for efficiency and inclusion, it also introduces heightened risks related to data security and payment system integrity.

Indarto Prasetyo Bramono, Head of Information & Communication Technology Security at the Financial Transaction Reports and Analysis Centre (PPATK), highlighted that peak seasons are often associated with increased suspicious transaction activities. From January to November 2024, 121,253 Suspicious Financial Transaction Reports (LTKM) were recorded, with 21.3% linked to fraud cases. These figures are expected to rise during the holiday season, underscoring the importance of comprehensive security measures, including application, network, endpoint, and access security, as well as real-time anomaly detection technologies to mitigate potential risks.

The Indonesian Payment System Association (ASPI) echoed the need for cross-sector collaboration to enhance public awareness of cybersecurity risks. “As part of the digital payment ecosystem, ASPI encourages banks and fintech companies to educate consumers on protecting personal data and avoiding cyber threats such as phishing and digital fraud. We hope this collaboration not only raises public awareness but also builds a more secure and inclusive payment ecosystem as a shared responsibility,” said Tata Martadinata, Head of Product & Technology at ASPI.

With these strategic initiatives, Jalin, along with key stakeholders in the national payment system industry, remains committed to delivering a secure, reliable, and inclusive digital financial ecosystem during Nataru 2024/2025. “Cross-sector collaboration, public literacy improvement, and the adoption of early detection technologies are key pillars in addressing operational and security challenges during this peak period. With strong synergy, we are confident in supporting seamless payment system operations, creating added value for the banking and fintech industries during the Christmas and New Year celebrations,” Arga concluded.