Danamon Introduced QRIS Payment Service with Credit Card at D-Bank PRO

Press Release / 25 March 2024

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Jakarta, 25 March 2024 - PT Bank Danamon Indonesia Tbk (Danamon) is pleased to announce the addition of a new feature to the D-Bank PRO mobile banking application, which allows customers to use QRIS payment feature with Credit Card as the source of fund. This innovation is part of Danamon's commitment to provide financial solutions that meet customers' needs and help them reach their financial goals. Danamon hopes that the introduction of this feature would attract more customers, particularly the younger generation, which values ease and flexibility in their daily financial interactions.

Danamon's commitment is consistent with the findings of Jakpat's 2023 Indonesia Fintech Trends report. According to this study, 45% of 1,500 respondents preferred mobile/internet banking for digital payments, with 46% coming from Millennials and 31% from Gen Z’s. This method is commonly used for a wide range of offline and online transactions, including food purchases, bills, and entertainment. This shows that the younger generation, particularly Millennials and Gen Z’s, prefers using mobile/internet banking for daily financial activities.

In line with this, D-Bank PRO's QRIS payment feature with Credit Card as the source of fund is designed to provide customers with simple steps to complete their transaction, starting with scanning the merchant's QRIS, selecting their Danamon credit card as the source of fund, enter the transaction value and their mPIN, then the transaction will be completed. 

Danamon has taken the first step in integrating its services with the larger digital ecosystem by launching the QRIS payment feature with Credit Card as the source of fund. Danamon uses QRIS technology to ensure customers can safely transact with multiple merchants.

This will provide access to a broader range of services and products, transforming D-Bank PRO into an app that always attract people’s attention (#SelaluMenggoda) that can meet all customer’s daily financial demands.

Additionally, Danamon also prioritizes the security of customers’ digital transactions. The QRIS payment feature with Credit Card as the source of fund has multiple layers of protection, such as mPIN authentication and a real-time transaction monitoring system, to ensure no fraudulent or misused transactions.

Andreas Kurniawan, Chief Digital Officer of PT Bank Danamon Indonesia Tbk, stated that his organization believes that the QRIS payment feature with Credit Card as the source of fund will reinforce D-Bank PRO's position as the financial application of choice for the younger generation. "We always try to innovate to meet our customers' digital transaction needs. Moreover, efforts to develop this feature is a part of our support for the Bank Indonesia (BI) program, in collaboration with the Indonesian Payment System Association (ASPI), to encourage the adoption of QRIS as a digital payment method that is easier to use and can be monitored by regulators from a single point."

On the same occasion, Enriko Sutarto, Consumer Lending Business Head of PT Bank Danamon Indonesia Tbk, stated that Danamon recognizes the value of flexibility and security in all financial transactions. "We hope that with the introduction of this new functionality, Danamon Credit Card users will have a more secure and comfortable transaction experience. Now, it is more practical for customers to make a purchase without having to take out their credit card from their wallet, especially for small amounts or transactions at merchants that do not have the EDC machine," he said.

Danamon encourages the public, particularly the clever and current young generation, to experience the ease and benefits that D-Bank PRO provides. Customers can learn more about the QRIS payment feature with Credit Card as the source of fund on bdi.co.id/siapdigoda. 

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