The Significance of Cashless Payment Methods for Customer Services

Amidst the increasingly developing era, payment method continues to vary. Currently, payment methods are not entirely dependent on cash methods ever since the emergence of cashless payment which is practical and able to improve customer services. But how does it work? Find out the significance of cashless payments in the following section!

1. Reducing Queueing Time and Volume

Relying on technological innovation, cashless payments are highly efficient in reducing queueing time and volume. Only with some clicks through digital payment channels, the transaction process can be completed immediately, allowing a fast and efficient payment.|

For example, a long queue occurs when a cashier does not have sufficient change for your payment. It must be troublesome and such a waste of time, right? However, by using cashless payment, you no longer need to wait for long or join the endless queue until the cashier returns the change. Now, you can pay for your groceries with an exact amount of money thanks to a variety of available digital payment systems.

2. Maintaining Customer’s Trust

Cashless payment methods are considered exceptionally secure. You don’t need to pay with cash or in its physical form that is prone to being lost, stolen, or counterfeited. This way, customers will feel more comfortable and secure to make transactions in your business place.

Moreover, cashless payments have been equipped with cutting-edge transaction security technology for customer services, for example, 3D Secure, which is designed particularly for the holders of cards with the GPN (Gerbang Pembayaran National/National Payment Gateway) logo.

3D Secure is a security protocol that requires customers to verify their transactions by entering a PIN or OTP code sent via SMS. Thus, this technology is able to serve as an extra protection for cashless transactions to prevent fraud or other transaction security risks and ultimately, maintain customer’s trust.

3. Promoting Transaction Transparency

Digital transaction security is undoubtedly an integral part of transaction transparency. This aspect enables customers to both monitor and verify shopping activities. This also emerges as one of the crucial factors in increasing customer’s security and trust.

You can find an example of transaction transparency when making payments using QRIS. QRIS offers instant payments where the mutation and receipts can be well-monitored by the customers themselves. Moreover, both the customers and you as the owner may complete a transaction and obtain the receipt shortly after. So, you can maintain their satisfaction to improve your business reputation.

4. Having the Potential to be Integrated with the Loyalty Program

Generally, cashless payments are often connected with a loyalty program which is able to attract new customers and even increase their satisfaction with customer services. This is because, through a loyalty program, customers will get various advantages, such as bonus points or cashback.|

For example, every time customers use application X to pay in your business place, they will get reward points. Later, they can leverage these points to make another transaction. It stimulates continuous transactions in the long term. Through this program scheme, customers may feel appreciated, thus their satisfaction level while shopping in your business place will increase.

5. Supporting Consumer Payment Convenience

Cashless payments support convenience in making transactions since consumers hold easy access and control of the financial transactions they make. From checking transaction history, managing budgets, to checking the balance, all are done with some clicks.

Moreover, payments via NFC are starting to emerge. What is that, anyway? NFC or Near Field Communication is an advanced technology that allows you to make payments only by bringing the smartphone that has been connected to your card close to the payment device in the shop. Extremely easy, isn’t it?

6. Providing Better Payment Flexibility

Cashless payment methods consist of numerous types, such as credit cards, digital wallets, debit cards, QRIS, and many more. With such a wide variety of channels, consumers may choose the most appropriate option that aligns with their preferences and needs. Cashless payment methods play a significant role in creating better payment flexibility for consumers. This flexibility also provides convenience for consumers in making payments at any time and any place without needing to bring physical money.


From the explanation above, it can be concluded that cashless payment methods hold significance in improving the quality of customer services. Ease, security, and flexibility provided by cashless payment methods are able to give better transaction experiences to customers. As a company that supports the infrastructures of cashless payment services for banks and fintech, Jalin also commits to providing easy financial access to the community. Wanna know the types of services available at Jalin? Check this out!