M‑WalletOne Wallet for Every Payment
M-Wallet is an app that lets its users transact online with other users to buy goods and services — paying from their ATM card or their e-money balance.
Payments in Indonesia
Indonesians pay with e‑wallets more than anything else.
According to the East Ventures Digital Competitiveness Index 2023 (Equitable Digital Nation), the e-wallet was the most used payment method in Indonesia in 2022.
Source: East Ventures, Digital Competitiveness Index 2023
Why M-Wallet
Two balances. Four ways to use them.
M-Wallet gives users two payment options, and both work for every kind of transaction in the app.
Pay from
- ATM balance From a linked ATM card
- E-money balance Held in the wallet
To do
- PPOB bills & top-ups
- Transfers between members
- Cash out
- Payments at merchants
The app
Take a tour of the app.
From signing up to checking a merchant’s tax payment — every screen, step by step.
Get started
Pay and move money
Keep track
Illustration with sample values
Screen 1 / 11
Sign up
Enter a phone number that is not yet registered, confirm it with the one-time code sent by SMS, then create a PIN.
Features
Seven features, one app.
Everything users need to pay, move money and keep track of it.
Pay and move money4
- Link ATM cards Use the balance on an ATM card for transactions in M-Wallet.
- E-money transfer Transfer e-money to another user’s account.
- Cash out Turn an e-money balance into cash.
- PPOB Buy top-ups or pay bills in a few taps.
Keep track3
- Transaction history Every transaction is recorded, saving time and reducing errors that could lead to losses.
- Tax checking Check the tax payment of the place you shopped at.
- Loyalty Helps businesses run integrated, customer-based strategies.
Benefits
Good for the people who pay, and the businesses that get paid.
For customers
Faster, simpler, safer payments.
- 01 Automatic Transactions are quicker and easier because the system handles them automatically.
- 02 Practical Replaces cash and works for any kind of transaction.
- 03 Safe Every transaction is recorded and stored in the app, so it is easy to trace.
For businesses
Reach more customers and see every sale.
- 01 Convenient Give customers an easy way to pay.
- 02 Wide reach Serve every customer, whether or not they have a bank account.
- 03 Multipayment Offer many payment options, all processed quickly.
- 04 Reporting Analyse and automate sales reports.
How it works
Built on MiOS, connected to banks and billers.
The mobile apps talk to the M-Wallet app server, which reaches banks and billers through MiOS Core. A separate back-office server lets your team monitor everything.
Transactions
Issuer and acquirer apps send transactions to the app server, which routes them through MiOS Core to the bank or biller.
Back office
The back-office monitoring server reads the same database and library management layer the app server writes to.
Transactions
- Mobile appsIssuer · Acquirer
- Mobile apps server
- MiOS CoreMatajari integrator
- Bank · Biller
Issuer and acquirer apps send transactions to the app server, which routes them through MiOS Core to the bank or biller.
Back office
- Back officeMonitoring
- Back office monitoring server
- Database & library managementShared with the app server
The back-office monitoring server reads the same database and library management layer the app server writes to.
Technology
Runs on the stack your team knows.
The technology M-Wallet supports, from operating systems to big data analytics.
- Operating systems
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- Linux
- Windows
- Containerization
-
- Docker
- Web server & gateway
-
- Kong
- NGINX
- Databases
-
- MySQL
- Oracle
- PostgreSQL
- Platforms & languages
-
- Java EE
- Spring Boot
- Android
- Python
- Flutter
- Big data analytics
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- Hadoop
- Sqoop
- Hive
- Scala
- Spark
- HBase
- Cassandra
- NiFi
- Kafka
- Airflow
- Superset
- Flink
- Debezium
- Analytics
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- PySpark
- scikit-learn
- TensorFlow
- Prometheus
- Grafana
Frequently Asked Questions
Everything you need to know about M-Wallet.