Telkomsel TCASH - Indonesia



Telkomsel is the largest mobile operator in Indonesia with over 190 million subscribers. 

In 2007 they launched mobile money services for their customers under the TCASH brand. TCASH has since grown to over 20 million subscribers with 10 million active monthly.  

Growing TCASH adoption in the lifestyle sector

In order to attain mass-market adoption, TCASH needed to overcome the friction during the merchant payment experience. 

The initial TCASH merchant payment experience was cumbersome and time consuming for consumers. On the merchant side the process introduced opportunities for errors and misuse.



Merchant Payments

TVC targeting highly sought after 18-30 demographic. 

Shown: Contactless mobile money merchant payments powered by Youtap

Merchant Payments

TVC targeting influential 18-30 demographic.

Shown: Contactless mobile money merchant payments powered by Youtap

Mobile Money Disbursments

Case Study video highlighting financial inclusion through TCASH and TCASH Tap 

Shown: Contactless mobile money merchant payments, and managed acceptance of government disbursements powered by Youtap


Telkomsel launch of TCASH Tap on Rapid Transit Buses

Shown: Contacless mobile money payments in public transport context

The rise of the cashless society

Telkomsel engaged Youtap to create a secure, point of sale user experience for mobile money transactions. The Youtap merchant payment solution enabled TCASH mobile money subscribers to access a digital wallet for payment simply by tapping their mobile phone at the point of sale. 


A first – mobile money at big retail

In a ground-breaking first, through the integration of Youtap’s in-market POS devices, TCASH was able to make mobile money an easy way to tap and pay at Tier 1 retailers such as McDonalds, Indomaret, and FMCG retailers.

Rewarding experiences

Youtap provided TCASH a white label loyalty and rewards engine to solve the issue of customer and merchant engagement.

Through the implementation and use of our platform TCASH were able to drive higher rates of consumer engagement and loyalty by using targeted promotions for customers. They were also able to incentivise merchants by providing rewards for hitting targets and milestones.  


Keeping everyday Indonesians moving. 

Using Youtap’s online-offline transport solution, TCASH was able able to roll out contactless payments on public transport services across Indonesia. Contactless TCASH payments are now accepted across public transport options such as trains and buses.  

Results at a glance

10 million transactions each month

with partner merchants

1000% increase in active TCASH users.

Since the launch of TCASH

TCASH Tap is the strongest contactless payment brand in the market

accepted at Indomaret, McDonalds, KFC, 7 Eleven and many other merchants

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