Rina Podcast Notes: The Use of E-Money

Introduction

• Host: Rina Handayani
• Topic: E-money and its benefits
• Special Guests: Ahmad Daghobramnata and Jahratul Wahdiyah
• Aim: To explore the use and advantages of electronic money in daily life.

What is E-Money?

• Definition by Dafa:
  • Digital payment instrument in electronic form, stored on a chip or server.
• Definition by Jahra:
  • Electronic payment instrument requiring internet for transactions, usually through smartphones or computers.

Examples of E-Money

• E-money platforms discussed:
  • Mandiri e-money
  • AutoCard Plus
  • BCA (Bank Central Asia)
  • BRI (Bank Rakyat Indonesia)
  • Tap Cash BNI
  • Other notable mentions: Indomaniacard

How to Obtain and Use E-Money Mandiri

• Obtaining Mandiri E-Money:
  • Available at National Bank Mandiri branches, minimarkets (e.g., Indomaret), and commuter line stations.
• Usage:
  • Card balance decreases with each transaction.
  • Top-up options include:
    • Mandiri mobile app
    • Branches and partner stores like Alphabook
    • ATMs
    • Online banking (internet banking)

Top-Up Process for E-Money

1. Install the Mandiri e-money app.
2. Register with personal information.
3. Enable NFC on smartphone.
4. Log in to the app.
5. Tap the e-money card to the back of the smartphone.
6. Other top-up methods include: visiting Mandiri offices, using cash/debit at partnered retailers, ATM transfers.

Checking E-Money Balance

• Steps to check balance via internet banking:
  1. Open Mandiri internet banking.
  2. Log in with user ID and PIN.
  3. Navigate to the e-money section.
  4. View balance information.

Types of Transactions Using E-Money

1. Toll payments (various regions)
2. Electronic parking payments
3. Public transportation (trains, buses)
4. Gas stations
5. Retail and online store purchases
6. Payment at designated outlets
7. Other specific services (Pyramid for Armored Men)

Advantages and Disadvantages of E-Money

• Advantages:
  1. Reduces handling of cash (prevents theft).
  2. Convenient for various transactions (food, services).
  3. Secure transactions with e-money cards.
• Disadvantages:
  1. Potential loss of funds if the card is lost.
  2. Dependency on technology and internet connection.

Conclusion

• E-money serves as a modern payment tool, providing convenience and security.
• Thank you to guests for sharing insights.
• Encouragement for listeners to learn more about e-money.

Closing

• Host thanks guests and listeners.
• Farewell: Wassalamualaikum warahmatullahi wabarakatuh.