Bank Indonesia (BI) company encourages all network providers automated teller machines or ATMs (switching) to be able to interconnect. This will allow customers to make interbank transfers a particular transaction is still limited.

Bank Indonesia (BI) company encourages all network providers automated teller machines or ATMs (switching) to be able to interconnect. This will allow customers to make interbank transfers a particular transaction is still limited.

Until now, there are three major switching companies in Indonesia. Them, namely PT Artajasa Electronic Payment (ATM Bersama), PT Rintis Sejatera (ATM Prima), and PT Daya Network Lestari (ATM Alto). One again, switching company owned by the government-owned bank PT Sigma Cipta Caraka (ATM Link).

Switching from the big three companies, not all of them can be connected to one another. Consequently, to perform at the ATM interbank transfer can not be done, especially state banks to private banks.

For instance, in the beginning of this year, interbank transfer from BCA, Mandiri new to be done. Previously it has not been able to transfer service. So is the government banks such as BNI, BRI, and BTN also can not transfer to the BCA. But soon, all transfers to any bank in Indonesia can be done.

Executive Director of Accounting and Payment System Sampoerna Armanto BI said, with inter-company pooling system interconnect switching the customers of each bank will be assisted in the transaction in banking, particularly through the ATM.

"Later, this ATM not only serves as a teller who could only take cash, but also inter-bank transfers," Budi said in Jakarta on Monday (05/06/2013).

Based on BI data taken from switching companies, the ratio of cash and transfer transactions in three switching companies still dominated by transfer transactions. In ATM networks Alto alone, the ratio is 26 percent and 74 percent.

While at the ATM Bersama network, the ratio was 30 percent and 70 percent. As in the Prima ATM network is 14 percent and 84 percent. "It means that people prefer to use the ATM as a medium for inter-bank or inter-bank transfer to," he added.

In addition to its own benefit to customers, with the unification of the ATM network system of course will increase the cash and non-cash transactions at the ATM. Hopefully, banks can also increase revenue nonbunga (fee-based income) of the transaction.

On the other hand, the banks themselves could also reduce the costs of both the establishment of a new ATM or even have to work with certain switching companies. Banks can also optimize existing ATM machine, so no need to add new ATM machine to get this interconnection. "Besides the cost can be reduced, increasing the efficiency of the bank. Finally we can compete with foreign banks," he added.

Implementation of the ATM network interconnection process has been carried out since January 2010. But a new year-end 2012, the company's switching and the banks would eventually agreed to establish interconnection between networks in the ATM system.

Currently almost all trials completed development and can be confirmed in the next two months to the end of the testing can be completed. "July will have to be realized," he added.

The timing of July as the time is right for this interconnection is because at that time people have entered the month of fasting, Eid welcome, and at the same time the school holidays. "Of course it will be a great deal at the time," he said.

Bank Indonesia transaction to ensure that the cost of inter-bank transfer will have the same cost as the current interbank transfer fee which is around USD 5,000 per transaction.

The company is willing to cut the cost of switching to people not burdened transaction costs are too high. "The company is willing to reduce the switching margin (profit). Because, although a thin margin, but a lot of volume, profit still mounting," he added.

Today, Monday (06/05/2013), will begin signing cooperation antarprinsipal funds transfer services nationwide ATM or debit card at the office of Bank Indonesia at 09.00 am. Present on this occasion was a central bank governor Nasution to the principal directors of three companies (switching).