Proposal Agregator

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Agregator T-Cash

Transaction without real money

Digital information is used to exchanged


with transactions.

Gerakan Nasional Non Tunai from Bank


Indonesia since 2014

Cashless payment will be use for highway,


retail consumption, parking fee, etc.
Why Should We
Choose T-Cash

T-cash is owned by Telkomsel who has


180 millions customers.

T-cash is a cashless utility with a wallet


concept (use pin for transaction)

T-cash has become an agnostic user

Easy to integrates due to the newest


technology used by T-cash
Who We
Are
Bhinneka is a privately owned company,
established in March 22nd 2006. The company is
designed to be Solution providers and System
Integrator serving major telecommunication
providers

In year 2012, Bhinneka plans deploying a new


business in which already studied for almost 3
years. The timing is quite right entering a Kiosk
business dueFlazz,
Contoh: to several reasons,
Brizzi, eMoney, and one of the
mainly considered is a mature market whereby trust
Tapcash
machine to do transaction. All Kiosks will be
centrally monitored in Jakarta using LTE network.
Propose for
Partnership

Bhinneka propose to be an aggregator merchant of


T-cash who is responsible for:

1. Provide a notification system


2. Undertake shuttlement
3. Make a report
Contoh: T-cash, XL tunai, sakuku BCA, OVO, Gopay
What has been Developed
by Bhinneka

1. Application Transaction based on Android and


IOS
2. Application notification based on BLE
3. Dashboard for monitoring
Contoh: Flazz, Brizzi, eMoney,
Tapcash
What Solution Can
Bhinneka Gives

1. Cash on Delivery
2. Merchant Transaction
3. Notification Transaction (Parking fee, offline
transaction, etc)

Contoh: T-cash, XL tunai, sakuku BCA, OVO, Gopay


Case for Cashless Payment
Normal Transaction
with Cash
Integration with
T-Cash Application
Integration with
T-Cash Application
COD Cashless
Solution

Customer only need to scan QR code from the


item/AWB

Customer need to have:


- T-Cash application
- Notification Application with BLE
User +
T-Cash apps
e-Wallet
System
Payment Flow
Pusat T-Cash Agregator

Payment per Transaction


Confirmation Per Transaction (2-3 hari)

Confirmation Per Transaction

Payment same day with scheduling


Integration
with T-Cash
Application

Setup Notification
Application with BLE

Integration with T-Cash and Notification Application with BLE


Business
Proposal
Tiki T-Cash Agregator

Marketing Payment per Transaction


-TIKI Confirmation Per Transaction (2-3 hari)

-T-cash
Aggregator offers 0,7% per transaction due to their
MDR
cover (Merchantand
of merchant Discount Rate)Confirmation
daily shuttlement
Per Transaction

-PBI nomor 61 2018


-Transaski Cashless MDR 1%
-Dibebankan ke seller
Payment same day with scheduling

Development Cost
- Semua menjadi tanggung jawab agregator
- Free of charge untuk Tiki
“Your future starts today.”

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