Over 15% Surge in Digital Transactions: Collaboration and Governance Anchor Jalin’s Reliable Performance

PT Jalin Pembayaran Nusantara (“Jalin”), a subsidiary of the Danareksa State-Owned Holding and a national provider of payment system infrastructure, once again demonstrated strong performance by successfully maintaining the smooth operation of digital transactions during the peak Ramadan and Eid al-Fitr 1446 H period. All of Jalin’s services, including its switching infrastructure and digital transaction channels, remained stable and secure amid a significant surge in transaction volume.

Through infrastructure capacity enhancement, 24/7 real-time transaction monitoring, and proactive operational risk management, Jalin maintained an average Service Level Agreement (SLA) rate above 99.9% across its service channels—particularly its flagship Virtual ATM service.

Jalin also recorded a significant increase in transaction volume across various digital payment channels, including Debit, Mobile Banking, and Agen Laku Pandai, with an average growth of more than 15% compared to the previous year’s Ramadan-Eid period. This growth reflects the accelerating digitalization trend, alongside rising public trust and behavioral shifts favoring digital transaction channels. Nevertheless, the surge in transactions via Virtual ATM also indicates that the public’s need for cash remains substantial, particularly during critical moments such as Ramadan and Eid.

To address the increased transaction volume, Jalin implemented stringent monitoring mechanisms to track transaction patterns. This includes a rule-based and behavior-based anomaly detection system that triggers automated notifications and escalations to member institutions when potential anomalies are detected. These efforts form part of Jalin’s broader risk mitigation strategy to ensure the security and reliability of transactions across the Link network.

Jalin’s President Director, Ario Tejo Bayu Aji, expressed his appreciation for the strong synergy with strategic partners. “This achievement is the result of close collaboration between Jalin, more than 85 Link network members, strategic partners, and full support from regulators. This synergy is the cornerstone of our service stability during high transaction periods,” said Ario.

He further noted that this transaction growth aligns with increased consumer spending during Ramadan and Eid. According to the Coordinating Ministry for Economic Affairs, public consumption during this period is estimated to have exceeded IDR 200 trillion, contributing significantly to national economic growth.

As part of its long-term commitment, Jalin continues to strengthen its operational foundation and expand strategic collaborations with industry stakeholders to build a secure, inclusive, and sustainable digital payment ecosystem. This commitment is evidenced by the implementation of internationally recognized standards in service and information security management, including ISO 9001, ISO 27001, ISO 27701, ISO 37001, PCI DSS, and PCI PIN. In addition, Jalin actively reinforces its corporate governance practices through assessments such as the Risk Maturity Index, Good Corporate Governance (GCG), the Indonesia Industry 4.0 Readiness Index (INDI 4.0), and its role in the National Cyber and Crypto Agency’s (BSSN) official Cyber Incident Response Team.

All of these efforts reflect Jalin’s ongoing commitment to earning and maintaining the trust of its members, regulators, and the public, while strengthening operational resilience amid the rapid evolution of the digital payment industry. With a strong foundation and cross-sector collaboration, Jalin continues to stand as a trusted partner in enabling secure, inclusive, and impactful digital financial transactions across Indonesia’s financial ecosystem.