e-Money Mobile Carriers Not Compete With Banks

E-money services from telecom operators aim to support the less cash society. In the event the World Economic Forum on East Asia 2011 which takes place June 13 last, the banking industry complaining about the coming of rivals in running business operations. Not from the finance sector, but from the telecommunications industry which was considered a very wide operating range.

At that time, Gatot Suwondo, BNI president director said, the telecommunications industry could become the biggest competitor for the banking sector could expand the business by serving the financial activities of its customers. "In other words, the telecommunications industry can enter the world of banking," said Billy. "They can enter our arena, but we can not get their arena," he said.

However, according to Bambang Supriyogo, Vice President of E-Cash Management Telkomsel, business mobile wallet that was developed a number of telecommunications operators in Indonesia is not to compete with banks or capture market share. "Service e-money or mobile wallet, such as T-owned cash Telkomsel aims to support the government's plan to build a cash less society," said Bambang Update on Cellular Telkomsel in Jakarta, June 28, 2011. "Services like this more as an alternative means of payment, especially for micropayments, whose value reached 100 thousand per transaction," he said.

Unlike the banking services, said Bambang, save money on mobile e-service is not intended for such saving or storing in deposits just like the bank that gives flowers. "Operators like we are not looking for money to roll out the service," said Bambang. "Our goal is, by holding a service like this, so that we can retain more loyal customers with our services and do not often exchange carriers," he said.

Of the users who use mobile money services, Bambang said, it is only 1,000 per transaction charge. "The objective of the government to allow telecom operators roll out services such as non-cash payment is to ease the burden on banks including Bank Indonesia," said Bambang.

By performing micro-non-cash payments, Bambang said, BI would also reduce the production of cash and will also reduce operational costs. "But they can also help increase the number of transactions that will ultimately accelerate economic growth," he said. Mobile money will be felt useful in remote areas are difficult to reach by ATM or other banking services. "Simply using telecommunications services, they can do any transactions with certain values," said Bambang.

Since 2003, Telkomsel itself has been working with the banks to roll out financial services for its banking customers. "We became an arm that helps banks, for example through mobile banking services," said Bambang. Bambang said, the future does not rule out the possibility that telecom operators are also working more closely with banks to roll out mobile services this money. "For example when the user wants his mobile wallet to withdraw funds at ATM machines," he said.

Currently, in Japan, South Korea, the Philippines, China and other countries, mobile commerce, held by the mobile operators have been developed. Both use the SMS infrastructure, Java, or contactless. In Indonesia, from 11 mobile operators who already hold services, some have obtained a license to deploy mobile wallet service from Bank Indonesia, namely Indosat, XL, Axis, smartfren, and Telkomsel.

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