{"id":415765,"date":"2019-07-02T16:29:59","date_gmt":"2019-07-02T09:29:59","guid":{"rendered":"http:\/\/vibiznews.com\/?p=415765"},"modified":"2019-07-02T16:29:59","modified_gmt":"2019-07-02T09:29:59","slug":"fintech-payment-berlomba-perluas-saluran-top-up","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2019\/07\/02\/fintech-payment-berlomba-perluas-saluran-top-up\/","title":{"rendered":"Fintech Payment Berlomba Perluas Saluran Top Up"},"content":{"rendered":"<p style=\"text-align: justify;\">(Vibiznews \u2013 Teknologi) \u2013 Perusahaan teknologi finansial bidang pembayaran atau\u00a0<em>fintech payment\u00a0<\/em>semakin ekspansif. Mulai dari strategi pembayaran apa saja yang bisa dicakup sampai memperluas jangkauan saluran pengisian ulang atau top up saldo. Karena semakin banyak saluran top up, maka semakin banyak pula potensi transaksi yang akan terjadi.<\/p>\n<p style=\"text-align: justify;\">Pengisian ulang saldo uang elektronik sudah diatur oleh Bank Indonesia lewat Peraturan Bank Indonesia Nomor 20\/6\/PBI\/2018 tentang Uang Elektronik. Dalam peraturan ini, terdapat dua kategori pengguna pertama yang dikenal\u00a0<em> unregistered <\/em>bisa melakukan top up maksimum sampai Rp 2 juta. Sedangkan kategori kedua dikenal sebagai\u00a0<em>registered\u00a0<\/em>bisa melakukan top up hingga Rp 10 juta.<\/p>\n<p style=\"text-align: justify;\">Pengguna yang masuk kategori\u00a0<em> registered <\/em>ialah sudah melengkapi data diri sebagai prinsip mengenal nasabah atau\u00a0<em>know your customer<\/em>\u00a0(KYC). Sedangkan batas transaksi maksimal pengguna kategori <em>registered s<\/em>etiap bulan sebesar Rp 20 juta.<\/p>\n<p style=\"text-align: justify;\">Ada berbagai cara yang dilakukan oleh para pemegang izin uang elektronik untuk memperluas jangkauan saluran pengisian ulang saldo:<\/p>\n<p style=\"text-align: justify;\">Pertama yang paling banyak top up saldo lewat perbankan hal ini sudah mencapai sekitar 60 %, hal ini diakui baik oleh PT Fintek Karya Nusantara (Finarya) sebagai pemegang izin uang elektronik LinkAja, PT Visionet Internasional atau yang lebih dikenal sebagai OVO dan PT Aplikasi Karya Anak Bangsa (GoJek) dengan\u00a0<em>brand\u00a0<\/em>GoPay.<\/p>\n<p style=\"text-align: justify;\">Kedua, yang mulai dijajaki para pemegang izin uang elektronik ini adalah terus melihat peluang perluasan saluran pengisian saldo.\u00a0 Misalnya, <em>Chief Executive Officer\u00a0<\/em>LinkAja Danu Wicaksana menyebut tengah\u00a0menjajaki agar nantinya pengguna dapat melakukan pengisian ulang saldo di Stasiun Pengisian Bahan Bakar Umum(SPBU) milik Pertamina. Dengan memperluas <em>acces points<\/em> untuk CICO (Cash in dan Cash out) akan mempermudah akses bagi pengguna untuk melakukan top up saldo<\/p>\n<p style=\"text-align: justify;\">Saat ini, top up Link Aja dapat dilakukan lewat Bank Himbara maupun lewat menu transfer antar bank ke BCA, Jenius, CIMB Niaga, Digibank, dan ATM Bersama. Selain itu juga dapat dilakukan lewat kartu debit, serta di gerai GraPARI milik Telkomsel. Pengguna juga bisa melakukan top up di Alfamart, Alfamidi, Circle K, Dan+Dan, FamilyMart, Indomaret, Kantorpos, Mitra LinkAja (MiLa) dan Suzuya.<\/p>\n<p style=\"text-align: justify;\">Dengan memperluas <em>access points<\/em> pengguna LinkAja akhir tahun ini bisa mencapai 44 juta pengguna, bertumbuh dari pengguna LinkAja \u00a0yang saat ini telah mencapai 22 juta dengan rata-rata nilai transaksi lebih dari Rp 1 miliar per hari.<\/p>\n<p style=\"text-align: justify;\">Pemain lainnya, PT Visionet Internasional atau yang lebih dikenal sebagai OVO juga memperluas jangkauan to up saldo. Terbaru OVO memperluas layanan top up ke di 23 mitra Bank dan non bank yang terhimpun dalam jaringan PT Rintis Sejahtera sebagai pengelola jaringan PRIMA. Selain itu top up dapat dilakukan melalui Grab driver dengan lebih dari 20%, <em>merchant\u00a0<\/em>ritel seperti Alfamart, Maxx Coffee, Hypermart, Matahari Department Store, Books &amp; Beyond ,&#8221;ungkap\u00a0<em>Director of Enterprise Payments\u00a0<\/em>OVO Harianto Gunawan .<\/p>\n<p style=\"text-align: justify;\">Strategi lainnya bagi pengguna yang melakukan top up saldo OVO dibebaskan biaya administrasi termasuk lewat perbankan. Dalam waktu dekat, Harianto menyatakan top up di semua saluran OVO masih akan gratis.<\/p>\n<p style=\"text-align: justify;\">Dengan semakin banyak saluran top up maka secara otomatis transaksi akan semakin bertingkat. Sebelumnya, pertumbuhan transaksi OVO di 2018 mencapai 75 kali lipat dibandingkan transaksi 2017.<\/p>\n<p style=\"text-align: justify;\">Selain itu, sepanjang 2018 terdapat lebih 1 miliar kali transaksi. Kini OVO sudah tersedia di 115 juta perangkat. OVO juga sudah hadir di 319 kota dan tersedia di lebih 500.000 gerai.<\/p>\n<p style=\"text-align: justify;\">Lain halnya dengan PT Aplikasi Karya Anak Bangsa (GoJek) dengan\u00a0<em>brand\u00a0<\/em>GoPay. Menurut\u00a0<em>Head of Corporate Communications\u00a0<\/em>GoPay Winny Triswandhani saat ini pengguna GoPay dapat melakukan pengisian ulang saldo di mitra bank, Alto, Prima, ATM, dan Pegadaian. Selain itu juga bisa di Alfamart maupun\u00a0<em>driver\u00a0<\/em>GoJek.<\/p>\n<p style=\"text-align: justify;\">&#8220;Sejak QR\u00a0<em>Code\u00a0<\/em>diperkenalkan di April 2018, kini pertumbuhan transaksi di luar layanan aplikasi GoJek mencapai 25 kali lipat. Sepanjang 2018, kenaikan jumlah pengguna aktif GO-PAY mencapai 90%,&#8221; ujar Winny yang mengklaim GoPay tetap menjadi uang elektronik nomor satu di Indonesia . Hal ini berdasarkan tiga riset berbeda di awal tahun 2019 yang dilakukan oleh Financial Times, Daily Social Bersama OJK, dan YouGov.<\/p>\n<p style=\"text-align: justify;\">Winny menjelaskan kenaikan transaksi dan pengguna GoPay terdorong seiring dengan bertambahnya rekan usaha serta inovasi-inovasi dan promosi terbaru.<\/p>\n<p style=\"text-align: justify;\">Hingga saat ini GoPay sudah bekerja sama dengan 360.000 rekan usaha terdiri dari 130.000 UMKM, 5.000\u00a0<em>e-commerce<\/em>, dan 20 layanan pembayaran. Selain itu, GoPay sudah bermitra dengan 28 institusi keuangan.<\/p>\n<p style=\"text-align: justify;\">\n<p style=\"text-align: justify;\">\n<p style=\"text-align: justify;\">\n<p>&nbsp;<\/p>\n<p><em>Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting <\/em><\/p>\n<p><em>Editor : Asido Situmorang<\/em><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Vibiznews \u2013 Teknologi) \u2013 Perusahaan teknologi finansial bidang pembayaran atau\u00a0fintech payment\u00a0semakin ekspansif. Mulai dari strategi pembayaran apa saja yang bisa dicakup sampai memperluas jangkauan saluran pengisian ulang atau top up saldo. Karena semakin banyak saluran top up, maka semakin banyak pula potensi transaksi yang akan terjadi. Pengisian ulang saldo uang elektronik sudah diatur oleh Bank [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":411883,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[29,183],"tags":[9247],"class_list":["post-415765","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economy-business","category-technology","tag-fintech-payment-berlomba-perluas-saluran-top-up"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fintech Payment Berlomba Perluas Saluran Top Up - Vibiznews.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vibiznews.com\/index.php\/2019\/07\/02\/fintech-payment-berlomba-perluas-saluran-top-up\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fintech Payment Berlomba Perluas Saluran Top Up - Vibiznews.com\" \/>\n<meta property=\"og:description\" content=\"(Vibiznews \u2013 Teknologi) \u2013 Perusahaan teknologi finansial bidang pembayaran atau\u00a0fintech payment\u00a0semakin ekspansif. Mulai dari strategi pembayaran apa saja yang bisa dicakup sampai memperluas jangkauan saluran pengisian ulang atau top up saldo. Karena semakin banyak saluran top up, maka semakin banyak pula potensi transaksi yang akan terjadi. 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