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The purpose of this study is to find out and analyze the Start-Up E-Money Business Development Model with the type of Link Aja in Indonesia. LinkAja is the new face of TCASH, a digital financial service (e-wallet) owned by Telkomsel, a subsidiary of PT. Telekomunikasi Indonesia. LinkAja is a combination of electronic financial services owned by PT Bank Mandiri (Persero) Tbk with E-Cash, UnikQu from PT Bank Negara Indonesia (Persero) Tbk, and PT Bank Rakyat Indonesia (Persero) Tbk with the T-Bank brand. LinkAja’s shareholders are not only Telkomsel (25%), Bank BRI (20%), Bank Mandiri (20%), Bank BNI (20%), but include PT Bank Tabungan Negara (Persero) Tbk or Bank BTN (7%), PT Pertamina (Persero) (7%), and the remaining PT AsuransiJiwasraya (Persero) (1%). The change of TCASH service to LinkAja was launched on February 22, 2019 and has been utilized by the community since March 3, 2019. So users of the three state-owned bank payment services will be gradually migrated to LinkAja. This type of research is descriptive qualitative. The results showed that Link Aja is a type of E-Money owned by open telecommunications companies in Indonesia, which is growing rapidly along with the increasingly recommended Non-Cash transactions. In the future, Non-Cash Link Transaction will only grow. |
