Software for regional governments to monitor online transactions and regional tax, connecting the three parties in the tax ecosystem: citizens, businesses and government.
One platform, three ecosystems
MOST involves everyone in the regional tax ecosystem, and brings payment, information and banking services alongside.
Government
Monitors tax revenue as transactions happen.
Businesses
Record every sale through MOST.
Citizens
Check their receipts and take part in oversight.
MOST
Monitoring Online System for Tax
Also brings
Why it matters
Indonesia's 2024 State Budget puts state revenue at Rp2,802.3 trillion, and most of it comes from taxation. Every taxed transaction counts.
State revenue, 2024 State Budget (APBN)
Rp2,802.3 trillion
Taxation is about 82% of state revenue.
Source: Informasi APBN 2024, Ministry of Finance of the Republic of Indonesia, as cited in the MOST product knowledge.
Who benefits
MOST works for both sides of every taxed transaction.
Goal and benefits
Goal
Benefits
Ways to join
Whatever a business uses at the till today, there is a way onto MOST.
For SMEs and street vendors
A point-of-sale on an Android device.
For businesses upgrading from a cash register
A complete point-of-sale set that replaces the cash register.
For businesses with an existing POS
Connects the POS a business already uses to MOST.
How it works
Paying in a shop, checking a receipt afterwards, or buying online: each one is recorded in MOST.
Customer → Shop (POS)
Wants to pay for a purchase.
Shop (POS)
Accepts cash, debit card, credit card or e-money.
Customer → Shop (POS)
Makes the payment.
Shop (POS) → MOST
Sends the receipt number and transaction details to MOST.
Shop (POS) → Customer
Gives the customer the receipt number and transaction details.
Customer
Wants to check a receipt.
Customer → MOST
Sends the receipt number.
MOST → Customer
Shows the transaction history, available 24/7.
Customer
Wants to buy online.
Online store
Sells around the clock, 24/7.
Customer → Online store
Makes the transaction.
Online store → MOST
The transaction is recorded in MOST online, in real time.
Customer → MOST
Checks the transaction history online.
Architecture
POS systems at hotels, entertainment venues, restaurants and parking send each transaction to MOST through an API, in real time. MOST serves the regional revenue office and the bank, and citizens can trace any receipt.
MOST configuration
The back office covers transaction monitoring and merchant management. The citizen app connects to MOST as well.
Taxed businesses
API · real time
MOST
Real-time regional tax monitoring
Serves
Regional revenue office
Bank
Citizen app
Traces a receipt by its number, through the API.
Receipts and transactions
Every MOST receipt carries a number that shows where it was issued, so the customer can check it.
Receipt number
111111333190131000001
Example number, for illustration. Tap or hover a part to highlight it.
Inquiry
Payment
Void
The regional tax server accepts many message formats on both sides.
Front end
Back end
MOST + the citizen app
One mobile payment ecosystem with access to transactions, information and communication, in the citizen's hand.
Merchant platform
Merchant management, a loyalty aggregator, and in-store and online transactions.
Payment tools
Access to a digital wallet.
PPOB platform
Payments and purchases of digital items.
Digital media platform
Access for digital advertising.
Social media platform
MOST, chat, likes, comments and more.
Technology
The technology MOST supports, from operating systems to big data analytics.
Linux · Windows
Docker
Kong · NGINX
MySQL · Oracle · PostgreSQL
Java EE · Spring Boot · Android · Python · Flutter
Hadoop · Sqoop · Hive · Scala · Spark · HBase · Cassandra · NiFi · Kafka · Airflow · Superset · Flink · Debezium
PySpark · scikit-learn · TensorFlow · Prometheus · Grafana
Everything you need to know about MOST.