Electronic payment solutions aren't an option. Realizing this ARTAJASA were the first to set up the first Shared ATM network in Indonesia. Empowering consumers to transact with participating banks and financial institutions. For banks, it streamed their operations, significantly reduced costs and time of payment- related operations and receive fee bases, which resulted in economies of scale.

Today ATM Bersama offer many interbank facilities, including balance inquiry, cash withdrawal and real time-online transfer to other accounts of members of the shared network. In 2004 ARTAJASA initiated a cross-border ATM Bersama with partner provider MEPS, Malaysia to service Indonesian workers, students living there as well as tourists.

Singapore and Thailand have already been linked to the ATM Bersama network with NETS and ITMX respectively. ARTAJASA will continue to extend our across border ATM BERSAMA network to include more of ASEAN and to countries which host large numbers of Indonesian workers and students.

To the consumer the wide presence of ATM Bersama and it the network that covers all major banks is a valuable contribution to their busy life-style. Undoubtedly it will contribute significantly to the loyalty of consumers to their respective banks.