<p><strong>Jakarta, 18/08 -</strong>&nbsp;<span style="font-weight: 400;">Yokke celebrates the 80th independence day of Indonesia by holding a ceremonial event at Yokke head office, Millennium Centennial Center, Jakarta, on Tuesday, August 19, 2025. The event was started by singing the national anthem of Indonesia, Indonesia Raya along with all the management team, and also attended by Yokke Squad who are based in Jakarta to enliven the celebration.&nbsp;</span></p>
<p><span style="font-weight: 400;">The ceremony was also enliven with competition between all directorates at Yokke with several mini games. The mini games were conducted not only to make fun and compete with each other, but also to keep the solidity of the team so we all can contribute to the company, as well as contribute to the country. Happy 80th Independence Day, Indonesia.</span></p>
<p><span style="font-weight: 400;">Bersatu Berdaulat, Rakyat Sejahtera, Indonesia Maju</span></p>
<p><span style="font-weight: 400;">Yokke Terus Melaju!</span></p>

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Yokke Celebrates The 80th Indonesia’s Independence Day with Inter-Directorate Mini Games

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<p style="text-align: justify;"><strong>Jakarta, 03/09 -</strong>&nbsp;<span style="font-weight: 400;">In the digital world, the function of passwords is very significant. The chain of words looks like a padlock to seal the fence, if the padlock is too weak so the fences can be breached. So does the password, if too easy to be guessed so your digital access can be entered by other people. That will be disastrous if the access breached regarding our financial access, without underestimating the effect of the other access breached.&nbsp;</span></p>
<p style="text-align: justify;"><span style="font-weight: 400;">As stated by GoodStats, in 2024 there were 21 million email accounts in Indonesia that successfully hacked, ranking number 3 in ASEAN. About 30% of the root of the hacking caused by the password configuration is too weak so it is too easy to guess. Some people are reluctant to use different passwords because they are afraid to forget it since they have so many digital accounts.&nbsp;</span></p>
<p style="text-align: justify;"><span style="font-weight: 400;">Shamefully it is the main cause of private account hacking issues. The hacker needs 2 hours to break a password with 5 new characters combination. Even they only need a second to hack a password with a weak and general combination. Be hasty to replace your password if you use these configurations: &ldquo;123456&rdquo;, &ldquo;Qwerty&rdquo;, &ldquo;password&rdquo;, &ldquo;bismillah&rdquo;, or &ldquo;rahasia&rdquo;, since those templates will be the first to be hacked.&nbsp;</span></p>
<p style="text-align: justify;"><span style="font-weight: 400;">Here are tips to prevent hacking on your accounts:<br /><strong>1. </strong></span><strong>Avoid things that related to your specific info such as real name and birth day<br />2. Use symbol configuration such as&nbsp; #, @, *, or &amp; so your password will be harder to identify<br />3. Use punctuation as additional option such as !, ?, or /<br />4. Make different password for different digital accounts such as email, mobile banking, or social media<br />5. If you worry to forget the password, use third party services for password manager<br />6. Activate Two Factor Authentication so once someone breach your account, you can detect it at the earliest<br />7. Replace your password periodically, best practice is once in three months</strong></p>
<p style="text-align: justify;"><span style="font-weight: 400;">Using a weak password is like inviting any hacker to break into your personal account. The risk is not only that your personal data can be leaked, but also can bring you a financial loss. Not to mention if you are an employee, that your company information can be leaked as well. Be more sensitive about your personal cyber security to ensure your data safety. </span></p>

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Same Password For Multiple Account, Beware of Hacking

<p style="text-align: justify;"><strong>Jakarta, 20/08 -</strong>&nbsp;Observing a certain group of people has become an effective way to find a business opportunity. But amidst this uncertain economic condition, observations could be new challenges. However, one group that may provide an opportunity should be the middle-class with their consumption pattern.</p>
<p style="text-align: justify;">Based on a report by KataData: Middle Class Report 2025, the number of middle-class people in Indonesia is 47,9 million, decreased from 57,3 million people in 2019. Nevertheless, the role of the middle-class in driving the economic wheels is still very significant. Their buying power has contributed to 82% of household consumption &nbsp;in Indonesia.&nbsp;</p>
<p style="text-align: justify;">Some of middle class behaviour that worth to observe are below:</p>
<p style="text-align: justify;"><strong>1. Digital Transaction Usage</strong></p>
<p style="text-align: justify;">Middle-class people care about practicality in their activity, including transactions. This group also prefers using cashless transactions, and rarely holds cash money in big amounts. They only use cash money on several occasions, such as shopping in traditional markets or giving money at certain moments. &nbsp;</p>
<p style="text-align: justify;"><strong>2. Personalize Services and Offers</strong></p>
<p style="text-align: justify;">Exclusiveness becomes one of factors that attract the middle-class to do shopping. The more limited products and services, the more middle class people spend their money for its exclusiveness.&nbsp;</p>
<p style="text-align: justify;"><strong>3. Pricing Range</strong></p>
<p style="text-align: justify;">Even though they like exclusive things, middle-class people also pay very close attention to pricing range. They often see a lower price, and they have no hesitation to move to another merchant once they have a better offer for a similar product.</p>
<p style="text-align: justify;"><strong>4. Update to The Trend</strong></p>
<p style="text-align: justify;">Fear of Missing Out (FOMO) is very identical to the middle class. They like products that become trendy and being spoken about in society. On top of that, they tend to pay attention to self-validation.</p>
<p style="text-align: justify;"><strong>5. Installment Transaction Method</strong></p>
<p style="text-align: justify;">Once they love a thing, the middle class will do everything in every power to get it. One of<br />the solutions, they use an installment method while their balance is insufficient.</p>
<p style="text-align: justify;">With all these factors, you can analyze exact products and additional services to keep their business growing. Practicality in doing transactions is one of the strategies to attract the middle class. Leveraging a digital payment can be an attraction of your business to the middle class. Making a partnership with a service provider company also can be an added value.&nbsp;</p>
<p style="text-align: justify;">Yokke as a payment service provider can boost your business to be an attraction for the middle class. The EDC machine by Yokke accepts various payment methods, such as debit card and credit card, QR code, to Buy Now Pay Later (BNPL). These services surely become an added value for the middle class to do transactions. For more information, call our 24/7 HiYokke team at 14021, WhatsApp 0811 40 14021, or email hiyokke@yokke.co.id.&nbsp;</p>

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Watch Middle-Class Consumption Pattern, Cheatsheet For Business Optimization

<p style="text-align: justify;"><strong>Jakarta, 11/08 -</strong>&nbsp;Credit cards currently have taken part in social lifestyle, especially in financial transaction management. Credit cards become a favor for its practicality in shopping to ease the card owner for not bringing cash money. Even when their balance is insufficient, they are still able to buy what they want by using the installment method.&nbsp;</p>
<p style="text-align: justify;">But the card owner is not permitted to withdraw the balance of the credit card in cash, unless they use the cash advance feature on the ATM machine. But somehow, many customers are still eager to do a fake transaction with the merchant, as if they buy something while actually they did that only to withdraw the cash. It was widely known as cash withdrawal (gesek tunai/gestun).&nbsp;</p>
<p style="text-align: justify;">This method seems very practical and safe to do. But there are many consequences that may be lurking. Here are the risks of cash withdrawal or gestun:</p>
<p style="text-align: justify;"><strong>1. Data Breach</strong><br />Merchants will be able to access customers' private data which is contained in credit cards without approval of card holders. Some information may be stolen such as account information and credit card information.</p>
<p style="text-align: justify;"><strong>2. Money Laundry Crime</strong><br />Cash withdrawal is not the product served by the banks, so any activity that is conducted repeatedly can be categorized as illegal and part of money laundering.</p>
<p style="text-align: justify;"><strong>3. Violate Banking Regulations</strong><br />Cash withdrawal or gestun clearly prohibited since it was categorized as a false transaction and not in line with the regulations. Several regulations that prohibit the activity are Banking Law, Customers Protection Law, and Bank Indonesia Regulation.</p>
<p style="text-align: justify;"><strong>4. Trigger The Non-Performing Loan</strong><br />Increasing credit while not inline with income, customers are at high risk of being unable to repay their credit. Meanwhile, banks are at risk in having the non-performing loan. The customers will have an impact on their credit score, while the bank will be harmed because of their decreased credibility.&nbsp;</p>
<p>By understanding the risk of cash withdrawal, we already understand our responsibility on each of our transactions. To be remembered that cash withdrawal is not a banking service so every risk that may happen, the bank will not take any responsibilities. Moreover, banks also refuse to assist if there is any loss as the consequences of the invalid transaction.&nbsp;</p>
<p>Yokke as a payment service provider brings an EDC machine that supports the credit card transaction. All the Yokke&rsquo;s services are also certified by PCI DSS and PCI PIN to ensure transaction safety. For more information, call our 24/7 HiYokke team at 14021, WhatsApp 0811 40 14021, or email hiyokke@yokke.co.id</p>

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More About Consequences of Cash Withdrawal

<p style="text-align: justify;"><strong>Jakarta, 04/08 -</strong>&nbsp;PT Mitra Transaksi Indonesia (Yokke) highly appreciates and thank to Mr. Sunarto Xie (President Commissioner) and Mrs. Dyah Pancaningrum (Commissioner) for the dedication to Yokke. What Yokke has been achieved these days is an integral parts of the contribution from them by directing and foreseeing the company in the past two years.&nbsp;</p>
<p style="text-align: justify;">As a digital service provider company, the role of Mr. Sunarto and Mrs. Dyah are very important in providing insights to ensure the company continue to grow and develop sustainably. For sure, both of them also encourage Yokke to always bring a relevant services to society's needs.&nbsp;</p>
<p style="text-align: justify;">May success always with Bapak Sunarto and Ibu Dyah for the journey forward!</p>

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Thank You and Have A Great Journey!

<p style="text-align: justify;"><strong>Jakarta, 21/07</strong> -&nbsp;Planning and evaluation are an integral part of Yokke's journey. A plan is made to set a target of corporate direction, while evaluation is conducted to assess whether the company is moving in the right direction or not. Yokke has through 2025 with all the challenging dynamics.&nbsp;</p>
<p style="text-align: justify;">Entering mid year of 2025 becomes the right time to review the performance. The town hall meeting was conducted parallel to a breakfast session with directors, to inject extra spirit to Yokke Squad to navigate the rest of 2025 more effectively and achieve the corporate's target.&nbsp;</p>
<p style="text-align: justify;">For sure, Yokke also gives appreciation to all Yokke Squad members that have already contributed to the company. This reward also became an extra supplement for Yokke Squad to be more productive and innovative. Yokke is committed to always provide the best solution for Indonesian society.</p>

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Injecting Enthusiasm and Motivation to All Yokke Employees at the Town Hall Meeting

<p class="p1" style="text-align: justify;"><strong>Jakarta, 15/07 -</strong>&nbsp;PT Mandiri Capital Indonesia (&ldquo;MCI&rdquo;) through its accelerator program continues to boost a strategic partnership in financial technology sectors. The most recent initiative is partnership between PT Mitra Transaksi Indonesia (&ldquo;Yokke&rdquo;), a financial service provider company as member of Bank Mandiri group, with Tada, loyalty and reward platform provider.&nbsp;</p>
<p style="text-align: justify;">The partnership is bringing a digital loyalty solution developed by Tada and integrated directly to the merchant EDC machine system by Yokke, to strengthen the customers retention and encourage the growth of the merchant's business. The collaboration is also supported by Akar Inti Enterprise (AIE) as a technology partner to ensure the system readiness and comprehensive integration.&nbsp;</p>
<p style="text-align: justify;">The synergy between Yokke, Tada, and AIE is officially celebrated by a signing ceremony of the Memorandum of Understanding (MoU) by Sylvia Novieta and Avit Dwi Suharsa as a the representatives of Yokke, Antonis Taufan of Tada, and Astari Kartika Hadinata of AIE, on Monday (15/7), in Mandiri Tower, Jakarta.&nbsp;</p>
<p style="text-align: justify;">&ldquo;The collaboration is inline with Yokke&rsquo;s strategy to provide a service that brings an added value to our payment ecosystem. We believe the support of technology and customer engagement approach by Tada will grow a more loyal customer base and be a backbone of sustainable development of merchant&rsquo;s business,&rdquo; said Sylvia Novieta in representing Yokke.&nbsp;</p>
<p style="text-align: justify;">In tune with Yokke, Tada also perceives this collaboration as a strategic move to strengthen the inclusive and sustainable digital payment ecosystem.&nbsp;</p>
<p style="text-align: justify;">&ldquo;Not only bring a loyalty system, but also strategy to encourage the adoption, increase engagement, and ensure the continuity of the program. Through the program, we are proud Tada is able to contribute in supporting the equal digital payment adoption in Indonesia, especially with EDC by Yokke,&rdquo; said Antonius Taufa, CEO Tada.&nbsp;</p>
<p style="text-align: justify;">Moreover, Akar Inti Enterprise (AIE) takes the role as a system integrator that ensures implementation of solutions run comprehensively, integrated, and optimal in Yokke&rsquo;s ecosystem.&nbsp;</p>
<p style="text-align: justify;">&ldquo;We hope the collaboration between Akar Inti Enterprise and Tada will bring a solution that supports the ecosystem of Yokke, encourages the growth of merchant&rsquo;s business, and finally contributes to the equality of national payment digitalization,&rdquo; said Astari Kartika, CEO AIE.&nbsp;</p>
<p style="text-align: justify;">The program will be implemented gradually by the second semester of 2025, and targeted to be a loyalty solution that is able to encourage the growth of merchant&rsquo;s business, as well as the digital incentives model that can be replicated to any other sectors.&nbsp;</p>

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Yokke Along With Tada Develop Integrated Loyalty Solution on EDC By MCI Accelerated Program

<p style="text-align: justify;"><strong>Singapura, 25/06 -</strong>&nbsp;<span style="font-weight: 400;">SEVP IT of Yokke Muhammad Faisal Jazuli shared his insight and experience in the payment technology industry in an event held by SUNMI Asia Pacific at Marina Bay Sands Expo, Singapore. The event was aimed to understand the strategy to fasten the growth of micro small enterprise (MSE) to keep developing by using artificial intelligence, especially in retail and F&amp;B sectors.&nbsp;</span></p>
<p style="text-align: justify;"><span style="font-weight: 400;">It was an honor for Yokke to be able to share our expertise to the international community regarding the current situation of payment system services. Innovation in the payment system is one of the keys to ensure business management can be done securely and transparent.&nbsp;</span></p>
<p style="text-align: justify;"><span style="font-weight: 400;">It is also part of Yokke&rsquo;s vision to bring innovative payment services in Indonesia. We believe a secured and inclusive payment system can encourage business development simultaneously. </span></p>

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Yokke Shares Experience in Developing Payment Technology for MSE

<p style="text-align: justify;"><strong>Jakarta, 07/06 -</strong>&nbsp;PT Mitra Transaksi Indonesia (Yokke) celebrates Eid Al-Adh 1446 H holy moments by qurban its 3 cows on Saturday, June 7, 2025, in Jakarta. 1 cow was distributed to Jenderal Sudirman Mosque, to be sacrificed, and witnessed by SEVP IT Yokke, Mr. Faisal Jazuli as the representative of the company.</p>
<p style="text-align: justify;">The other qurban cows later distributed to residents in Bogor Regency, West Java through Mandiri Aman Insani Foundation, zakat collecting institution that collect, manage, and distribute the zakat and any other social funds to publics. Yokke committed to always provide goodness and kindness to the society, including in this blissfulness moment.</p>

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Yokke Shares Blissfulness By Qurban in Eid Al-Adh

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