As an employee in a private company here in Jakarta, there are times, especially on paydays, some of my colleagues will ask for eating out, to refresh ourselves from the monotonous food we had in the canteen. For only an hour lunch break, what you may carry? I usually carry my jumbo wallet and a hand phone. Not so handy, as I only have two hands anyway, but there was no choice. I should bring my wallet because my money and debit cards are in there, while I cannot keep away from my hand phone (millennial generation, guys!).
When you would have to choose, to bring
your wallet or hand phone, it would be such a difficult choice in the past. But
then, BCA invented a SAKUKU application as a mobile money which is integrated to your
phone as it is connected to your phone number.
Sakuku, what it can do :
- Payment tool in listed merchants
- Transfer money
- Withdraw money on selected BCA ATMs
- Phone credits Top Up
- Split Bill (Sakuku Plus)
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| BCA Products |
Before the age of mobile money, people had to
undergo the same hassle; count your cash, wait for change from the cashier,
fumble in our bags to locate our debit/credit cards – as with Sakuku, this
experience creates more effectiveness. Sakuku will instantaneously deduct the
exact amount from your Sakuku at the merchant. As easy as scanning the QR
barcode from the merchant’s receipt, enter your pin for verification, voila!
your transaction is done. It is suitable for retail transaction with small
amount as you don’t have to mind about the usual permitted minimum amount of
transactions if using credit cards or debit cards.
Start by downloading Sakuku application from Google Play or App Store (Android OS 4.0 and above / Iphone IOS 7.1 and above). Now, if you upgrade your Sakuku to Sakuku
Plus, you will be able to activate the feature of Split Bill. Split Bill is a
tool where you can hang out with your friends and share your bill within your
group. Have you ever encountered the time when you had difficulties to
calculate how much each of your friends has to pay while you actually hate Math?
Well, I did, and Sakuku comes as my solution since they can split bill into an
equivalent amount to my friends’ Sakuku. They will then transfer their accurate
bill portion and I don’t have to count cash. Sooo handy!
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| Sakuku as Your Payment Tool |
Time is money. And this is true for both
customers and businesses. Sakuku also boasts other advantages. As opposed to
the buy-now-pay-later principle of the credit card, Sakuku works on the
instantaneous debit principle and allows practically no overdraft on it. The
inability to significantly overspend implies healthier spending habits in the
society.
Moreover, the worst-case consequence of
losing your phone and your money saved in Sakuku, the risk is actually only
equal to the maximum amount one can store on Sakuku (IDR 1 mio or 5 mio). What’s more, if the worst
scenario happened, you can report the loss to BCA call center 1500888 and
deactivate your Sakuku number to prevent unauthorized use. BCA will refund the
customer any value remaining on the lost hand phone in the newly registered
Sakuku app from the verified customer data. I have worry free for banking
product as high class as BCA. Their security system is top-notch.
Nowadays people desire for ever higher
efficiency, their obsession with convenience and their willingness to embrace
new inventions raised the well-designed Sakuku which fastly will be becoming a
considerably faster and more convenient substitute for cash in retail payments.
By the way, I’ll give you a tip. Sakuku is
currently having promotion on using Split Bill Sakuku (30 September 2016 - 20 November 2016, weekends). By only spending minimum
IDR 100.000 in offline merchants registered in www.bca.co.id/merchantsakuku and
split bill minimum with two of your friends within the same day, you will get
cashback IDR 100.000 within the next three working days. Below I share you my
trial to shop in a bookstore with my sisters for our weekend readings, and we
split bill within 3 of us, and on the next Monday I already got the cashback.
Super! Hopefully BCA will add number of merchants that can receive Sakuku in
various area (oh please..)
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| Payment Process |
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| Split Bill with Two SakukuPlus Contacts |
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| Cashback 100K from BCA |
