Danamon Host to Host

 Virtual Account
 Balance & CASA Statement
Inquiry
 Direct Fund Transfer
 H2H DCC Fund Transfer
 A b o u t B a n k D a n a m on
Bank Danamon w as founded in 1956, and has now grown to become one of the largest financial
institutions in Indonesia, w ith total assets of IDR 196.6 trillion as of 30 September 2020.

Bank Danamon's shares are owned by MUFG Bank, Ltd. (92.47%) and public shareholders
(7.53%) as of September 30, 2020.
Small and Medium
Consumer
V ISION Enter pr ises
SERV E
ENTIRE En terprise banking
Trade Finance
CUSTOMER (Commer cial Cor poration)
"We Care and Help
SEGMENT
Millions to Achieve
financing for automotive
Prosperity". Syar iah and consumer goods

Through subsidi ary PT Adir a

MISSION
OPERATIONAL AREA Dinamika Multi Finance, Tbk

1. Danamon is determined to become the
“Leading Financial Institution in Indonesia”
w hose existence is taken into account.
2. A customer-centric organiz ation, whic h
serves all segments by offering unique
value to each segment, based on sales and
service excellence, and supported by world-
class technology.
3. Danamon's aspiration is to become the
company of choice for work and that is
respected by customers, employees,
shareholders, regulators and the
communities in w hich Danamon is located.
Danamon operates an extensive distribution network from Aceh to Papua
consisting of conventional branch offices, Sharia units and Adira Finance
branch networks.
920 Branches
1.345 ATM & CDM
Danamon has also developed a complete range of digital services
including SMS banking, Internet banking and mobile banking for
individual and business customers, w ith features and capabilities that
are constantly being improved in accordance w ith the demands of
banking service users in the digital era, w ho increasingly prioritize
ease and speed of transactions.
Danamon Host to Host

Cash in Inquiry Cash out

Direct Fund
A/C Transfer
Virtual Perusahaan
Account di BDI
H2H DCC
Fund
Transfer
• Balance Inquiry
• CASA Statement
Inquiry
Virtual Account (prolog)
Ilustrasi Transaksi - Real Account: Kendala identifikasi.

1. Pembukaan Rekening
Bank A a.n Perusahaan
Bank B a.n Perusahaan
Perusahaan
Bank C a.n Perusahaan
dst
2. Real Account

 Real time
3. Real  Kendala identifikasi:
Account - setor /transfer dari Non
4. Transaksi
Real Account Buyer
- transfer dari real account
yang tidak dikenal
- struk transaksi hilang

1. Pembukaan Rekening
Bank A a.n Buyer
Bank B a.n Buyer
Buyer Bank C a.n Buyer
dst
2. Real Account
Virtual Account
Ilustrasi Transaksi - Virtual Account: Solusi identifikasi & jurnal real time

1. Pembukaan Rekening
Perusahaan BDI a.n Perusahaan
2. Real Account

 Real time
 Identifikasi m udah
3. Virtual (Beneficiary Account)
Account  Jurnal real tim e

Cara Transfer
Channel Tunai  Pindah buku
 Walk in Cust - Teller BDI  Online transfer
Sales  SKN
 Walk in Cust - Teller bank lain
/Collector  RTGS

4. Transaksi Channel Non Tunai

Buyer Virtual Account  ATM
Logo ATM Bersama, ALTO, Prima
 Mobile Banking
Invoice Tam pilan layar
 Internet Banking
 Beneficiary
 Sms Banking
Account:
 e-money & e-w allet
Sales /Collector
Grosir Transfer Antar Bank:
/Buyer /Invoice
GOPAY, OVO, DANA, LINK AJA,
DOKU, JENIUS
Retail End User  EDC Payment Collection
 Walk in Cust - Setoran Kliring BDI
Virtual Account
Virtual Account
 16 digit unik sebagai alat identifikasi Beneficiary Account

 Sales /Collector
Format nomor : Nomor BIN (XXXX) + Nomor Identifikasi Sales / Collector* (12 digit Y)
Format nama : Brand Perusahaan + Nama Sales / Collector
* Nomor Induk Karyawan

 Buyer
Format nomor : Nomor BIN (XXXX) + Nomor Identifikasi Buyer (12 digit Y)
Format nama : Brand Perusahaan + Nama Buyer

 Invoice
Format nomor : Nomor BIN (XXXX) + Nomor Invoice (12 digit Y)
Format nama : Brand Perusahaan + Nama Buyer + Nomor Invoice

 Real time, dana dikreditkan ke rekening Perusahaan di BDI

 Real time, jurnal dana ke Beneficiary Account / Dedicated Account di ERP Perusahaan

 Biaya efektif IDR 2.000 per transaksi VA

Virtual Account
API Virtual Account (Inquiry – CCY IDR)

Alur di BDI API Alur di Perusahaan

Host API ERP

BDI VA - Inquiry Perusahaan

All channel
Nomor VA Real time
Beneficiary Account
Inquiry:
Nomor VA

Beneficiary Account
/ Dedicated Account
Delivery:
Nomor VA Beneficiary Account Beneficiary Account

Dana: Jurnal:
A/C Perusahaan di BDI Beneficiary Account /Dedicated
Account di Perusahaan
Balance & CASA Statement Inquiry
API Inquiry Balance & API Inquiry Statement – CCY IDR

Alur di Perusahaan API Alur di BDI

API
• Balance Inquiry
• CASA Statement
ERP Host
Inquiry
Perusahaan BDI

Real time
Perusahaan

• Cek saldo & status

transaksi A/C
Perusahaan
- Current balance
- Available balance
- Overdraft limit
- Hold amount
- Minimum balance
- Beginning balance
- Ending balance

• Cek mutasi A/C

Perusahaan
- periode 1 tahun
kebelakang
- 7 hari kalender per
transaksi

• API Call (per hit) IDR

150
 Direct Fund Transfer
Direct Fund Transfer (Single Transfer – CCY IDR)

Alur di Perusahaan API Alur di BDI

API
ERP Direct Fund Host
Perusahaan Transfer BDI

Real time A/C tujuan

Perusahaan Perusahaan

• In house (Pindah
buku A/C BDI)
• SKN
• RTGS
• ONLINE TRANSFER
Direct Fund Transfer
Menu & Karakteristik
Menu Karakteristik
Transaksi via ERP Perusahaan
 Input via ERP Perusahaan (by Maker)
 Approval via ERP Perusahaan (by Approver)
Single Transfer ALL SINGLE
 Debit account
 Time mode (immediate only)

Cut Off Time & Charge

Danamon Cash Connect
Jenis Transaksi
Cut Off Time (WIB) Charge
Pemindahbukuan 23:59 Free
SKN 13:30 IDR 2.900
RTGS 14:00 IDR 25.000
ONLINE TRANSFER 23:59 IDR 7.500
API Call (per hit) IDR 150
Direct Fund Transfer
Limit Transaksi - IDR

Jenis Transaksi
In house SKN RTGS Online Transfer
Limit Mn Mx Limit Mn Mx Limit Mn Mx Limit Mn Mx
/hari /trx /trx /hari /trx /trx /hari /trx /trx /hari /trx /trx
No No No No
1 100M 1 1M >100jt 100M 1 50jt
limit limit limit limit
H2H DCC Fund Transfer
H2H DCC Fund Transfer (Bulk Upload Transfer – CCY IDR)

Approver
Approved the transaction

INHOUSE/SKN/RTGS

ERP
Perusahaan
Straight Through Process

FEATURES &
BENEFITS

Integrated with Danamon Cash Connect for a

01 Transaction initiation (in house, SKN/RTGS) 05 better security features
Approv e and Release transaction v ia Danamon Using the same file upload format with Manual
02 Cash Connect) 06 upload

03 Streamline payment and straight thru process

Easy integration with any accounting system

04
H2H DCC Fund Transfer
Menu & Karakteristik
Menu Karakteristik
MULTI  Input langsung pada ERP Perusahaan
 Upload dari ERP Perusahaan ke DCC (by Maker)
SINGLE
 Approval via DCC (by Approver)
Bulk Upload Transfer  Debit account
 Time mode
MULTI - Immediate
- Future date in house (07.00, 10.00, 13.00, 16.00)
- Future date SKN & RTGS (07.00, 10.00, 13.00)

Cut Off Time & Charge

Danamon Cash Connect
Jenis Transaksi
Cut Off Time (WIB) Charge
Bulk Payment/ Bulk Transfer/ H2H – inhouse (pemindahbukuan) 21:00 Free

Bulk Payment/ Bulk Transfer/ H2H - SKN 13:15 IDR 2.900

Bulk Payment/ Bulk Transfer/ H2H - RTGS 13:45 IDR 25.000

API Call (per hit) -

H2H DCC Fund Transfer
Limit Transaksi – IDR

In house SKN RTGS

Paket DCC Limit Mn Mx Limit Mn Mx Limit Mn Mx
/hari /trx /trx /hari /trx /trx /hari /trx /trx
Personal Business 10M 1 10M 10M 1 1M 10M >100jt 10M
Premium Business 150M 1 100M 150M 1 1M 150M >100jt 100M
 T E R I M A K AS I H
An d r i e K u r n i a w a n
Trans ac tion Banking Sales
andrie.kurniawan@danam on.c o.id
082260759898