Tangerang Selatan, 13/07 -&nbsp;PT Mitra Transaksi Indonesia (Yokke) continuously shows its commitment to encourage a faster and more secured digital payment access, along with merchants which fulfill people's needs. Depo Bangunan as one of the biggest building material supermarkets in Indonesia also became a part of Yokke&rsquo;s mission to bring easy transactions to the society.
On these occasions, Depo Bangunan at Alam Sutera, Tangerang, Banten got refreshment material regarding optimization of Mandiri EDC devices for transaction purposes. The main topic delivered by the instructor of Yokke is about how to optimize the EDC device so it can fasten the customer transaction process.
The session of 12 people on Thursday, July 13, 2023 also contained discussion regarding frequent issues while the transaction was being processed. The session is expected to become the mitigation way of Depo Bangunan in order to bring an easier and more convenient shopping process for customers, as well as bring better services to the public.

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Depo Bangunan To Bring More Optimal Payment For Public

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Jakarta, 20/08 -&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.
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;
Some of middle class behaviour that worth to observe are below:
1. Digital Transaction Usage
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;
2. Personalize Services and Offers
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;
3. Pricing Range
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.
4. Update to The Trend
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.
5. Installment Transaction Method
Once they love a thing, the middle class will do everything in every power to get it. One of the solutions, they use an installment method while their balance is insufficient.
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;
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;

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Watch Middle-Class Consumption Pattern, Cheatsheet For Business Optimization

Jakarta, 11/08 -&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;
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;
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:
1. Data Breach 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.
2. Money Laundry Crime 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.
3. Violate Banking Regulations 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.
4. Trigger The Non-Performing Loan 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;
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;
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

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More About Consequences of Cash Withdrawal

Jakarta, 04/08 -&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;
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;
May success always with Bapak Sunarto and Ibu Dyah for the journey forward!

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Thank You and Have A Great Journey!

Jakarta, 21/07 -&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;
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;
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.

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

Jakarta, 15/07 -&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;
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;
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;
&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;
In tune with Yokke, Tada also perceives this collaboration as a strategic move to strengthen the inclusive and sustainable digital payment ecosystem.&nbsp;
&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;
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;
&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;
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;

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

Singapura, 25/06 -&nbsp;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;
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;
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.

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Yokke Shares Experience in Developing Payment Technology for MSE

Jakarta, 07/06 -&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.
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.

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Yokke Shares Blissfulness By Qurban in Eid Al-Adh

Bali - 29/4 -&nbsp;PT Mitra Transaksi Indonesia (Yokke) has been named as The Best Payment Service Provider 2025 from Mastercard Indonesia. The award is presented since Yokke is considered as a payment service provider in Indonesia which is able to serve not only a secure and reliable system, but also give an added value to its merchant and whole customers.&nbsp;
The award was given at the event of Mastercard Forum 2025: Drive Tomorrow - Innovation In Action, held in Sanur, Bali, on Tuesday (29/4). SEVP Yokke Sylvia Novieta in person attended the forum and received the awards of Mastercard Indonesia. This acknowledgment is the second that received by Yokke since the first award in 2022 by Mastercard Indonesia with category The Most Innovative Service Provider.&nbsp;
This award is a celebration of our team&rsquo;s tireless efforts to deliver innovative payment solutions that meet the evolving needs of our customers. We&rsquo;re proud to be a part of the payment ecosystem and look forward to continuing to push the boundaries of what&rsquo;s possible. Thank you to our customers, partners, and team members for your support and trust! And last but not least, thank you Mastercard Indonesia!&nbsp;

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Yokke Receives Best Payment Service Provider 2025 by Mastercard Indonesia

Jakarta, 17/04 -&nbsp;Using a credit card, for some people, may be an avoided option due to financial management. But if we know how to manage our finances well, credit cards would bring some advantage for your routine cash flow. For business people, somehow credit card usage will be able to boost their transaction value.
For some business activities, credit card transactions can bring more flexibility for both buyers and sellers. According to a survey in 2024 by VISA, a global payment technology company, about 74% of small and medium enterprises have shown a significant improvement in terms of turnover value since they applied card payment, including credit card.&nbsp;
Here are some benefits of credit card usage for business owner:
1. Provide more transaction options Sometimes customers need to do a transaction even when they are not in ideal condition in cash flow. In that matter, credit cards can give them flexibility to fulfill their needs
2. Expand consumer basis There are some types of consumers that prefer to have transactions by credit card, so it will be your opportunity if you accept credit card payment.&nbsp;
3. Minimize fraud risk Credit card optimization can reduce cash usage so the risk of any potential stealing of fraud can be minimized
4. More secured payment process Credit card transaction from your customer ensures your transaction will be settled
5. Faster transaction process Customers only need to swipe or tap their credit card during transaction so the process can be faster
For business owners, the convenience of customers during transactions is a significant factor to maintain. Therefore, the variety of transaction payment can be a central factor for a business process.&nbsp;
As Indonesia&rsquo;s leading payment service provider, Yokke is also able to facilitate your business to reach potential credit card customers, debit card users, and QRIS. For more information, call our 24/7 HiYokke team at 14021, WhatsApp 0811 40 14021, or email <a href="mailto:hiyokke@yokke.co.id">hiyokke@yokke.co.id</a> so your inquiry can be followed up.

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Optimize Your Business With Credit Card Payment Method

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