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Mau Tahu Manfaat E-Payment untuk Bisnis? Cek di Sini
e-payment HPE Greenlake Solution

E-Payment atau pembayaran digital saat ini makin penting bagi bisnis. Hal ini dapat dilihat dari laporan Bank Indonesia (BI) yang mencatat nilai transaksi mencapai Rp24,75 triliun dengan volume sebesar 439 juta kali pada Agustus 2021.  

Dari data tersebut menunjukkan bahwa pembayaran digital semakin banyak digunakan masyarakat. Oleh karena itu, perusahaan Anda perlu cepat beradaptasi dan menerapkan metode pembayaran ini untuk meningkatkan kenyamanan pelanggan dalam bertransaksi. 

Nah, ingin tahu lebih lengkap mengenai E-Payment, contoh penggunaan, serta manfaatnya bagi bisnis? Simak di artikel berikut. 

Apa itu E-Payment?

Apa itu E-payment
Apa itu E-payment

E-Payment atau Electronic Payment adalah metode pembayaran online yang dilakukan melalui perangkat elektronik, seperti komputer, ponsel, atau perangkat pembayaran khusus, sehingga customer tidak perlu menggunakan uang tunai atau cek fisik.  

Dalam sistem E-Payment, informasi pembayaran ditransfer melalui jaringan komunikasi elektronik, seperti internet atau jaringan telepon. Metode E-Payment dapat mencakup berbagai bentuk transaksi, seperti pembelian barang atau layanan secara online, pembayaran tagihan, transfer dana antar rekening, dan lain sebagainya. 

Selain itu, metode pembayaran E-Payment memiliki berbagai jenis yang umum digunakan meliputi kartu kredit atau debit, pembayaran melalui aplikasi mobile, serta metode pembayaran elektronik lainnya seperti e-wallet dan cryptocurrency. 

Manfaat E-Payment untuk Bisnis

Keuntungan utama dari E-Payment adalah kemudahan, kecepatan, dan kenyamanan dalam melakukan transaksi keuangan. Pelanggan dapat melakukan pembayaran kapan saja dan di mana saja tanpa harus mengunjungi tempat fisik atau membawa uang tunai. Selain itu, berikut beberapa manfaat lainnya. 

Efisiensi Transaksi

Dibandingkan dengan metode pembayaran tradisional seperti uang tunai atau cek, E-Payment menghilangkan kebutuhan untuk menghitung uang secara fisik atau menunggu cek clearing.

Kurangi Biaya Operasional

Transaksi elektronik menghilangkan kebutuhan akan pengelolaan fisik uang tunai, cek, dan biaya yang terkait seperti penyimpanan dan pengiriman. Selain itu, penggunaan E-Payment juga dapat mengurangi risiko kehilangan atau pencurian uang. 

Perluasan Jangkauan Pelanggan

Lakukan transaksi dari mana saja dengan akses internet untuk memperluas pangsa pasar dan meningkatkan peluang bisnis untuk menarik pelanggan baru dari berbagai wilayah. 

Kemudahan Pembayaran

Pelanggan dapat membayar tagihan atau melakukan pembelian hanya dengan beberapa klik melalui aplikasi atau platform yang tersedia. Hal ini mengurangi kerumitan dan meningkatkan kepuasan pelanggan dalam proses pembayaran. 

Keamanan Transaksi

Data keuangan dan informasi pelanggan terenkripsi untuk melindungi dari ancaman keamanan. Selain itu, transaksi elektronik juga menyediakan jejak digital yang dapat digunakan untuk melacak dan memverifikasi setiap transaksi. 

Baca Juga: Rahasia Akselerasi Data Driven Modernization Tanpa Harus Ribet 

Contoh E-Payment yang Sering Digunakan di Indonesia

contoh e-payment qris
contoh e-payment qris

QRIS adalah salah satu contoh dari penggunaan E-Payment yang sering digunakan oleh masyarakat. QRIS sendiri merupakan standar kode QR yang ditetapkan oleh Bank Indonesia untuk transaksi pembayaran, di mana para pengguna dapat bertransaksi cukup dengan memindai kode QRIS yang tertera di merchant menggunakan aplikasi pembayaran digital yang mendukung. 

Dengan QRIS, pengguna tidak perlu lagi mengeluarkan uang tunai atau menggunakan kartu fisik, sehingga memudahkan proses pembayaran dan meningkatkan keamanan transaksi. Penggunaan QRIS saat ini telah semakin meluas di berbagai sektor, termasuk retail, restoran, toko online, dan lainnya. 

Tantangan dan Persyaratan Penggunaan E-Payment

Meskipun memiliki banyak manfaat, penggunaan E-Payment juga menghadapi beberapa tantangan dan persyaratan yang harus dipenuhi perusahaan. Salah satu tantangan utama adalah keamanan.

Dalam transaksi elektronik, penting untuk melindungi data pribadi dan informasi keuangan pelanggan agar tidak jatuh ke tangan yang salah. Selain itu, perlu ada infrastruktur yang andal dan konektivitas internet yang stabil. E-Payment membutuhkan akses internet yang baik agar transaksi dapat dilakukan tanpa hambatan. Oleh karena itu, persyaratan infrastruktur teknologi yang memadai, termasuk koneksi internet yang cepat dan stabil, sangat penting dalam penggunaan E-Payment. 

Penggunaan E-Payment juga memerlukan tingkat literasi digital yang tinggi. Pengguna harus memiliki pemahaman memadai tentang penggunaan teknologi, termasuk cara menggunakan aplikasi pembayaran digital, keamanan transaksi, serta hak dan kewajiban dalam penggunaan E-Payment.  

Adanya standar dan kebijakan yang jelas juga menjadi persyaratan penting dalam penggunaan E-Payment. Standar keamanan dan privasi data, kebijakan pengembalian dana, serta aturan penggunaan E-Payment yang adil dan transparan perlu diatur dan diimplementasikan dengan baik untuk melindungi kepentingan semua pihak yang terlibat. 

Nah, untuk memenuhi tantangan dan persyaratan di atas, HPE GreenLake bisa jadi solusi  tepat dalam menyediakan layanan cloud dan hardware untuk mendukung transaksi E-Payment yang fleksibel sesuai pertumbuhan bisnis.  

HPE GreenLake, Solusi Pendukung E-Payment

HPE GreenLake hadir sebagai solusi untuk membantu bisnis menyediakan layanan komputasi, penyimpanan data, dan jaringan yang dapat mendukung penggunaan E-Payment dengan performa baik dan tingkat keamanan tinggi. 

Selain itu, HPE GreenLake juga menawarkan fleksibilitas dalam pemodelan biaya dan penggunaan infrastruktur yang disesuai dengan kebutuhan perusahaan. Berikut penjelasan detailnya. 

1. Pengurangan Biaya

Hindari modal awal yang besar untuk biaya kepemilikan infrastruktur IT. Anda hanya perlu untuk membayar sumber daya yang digunakan, sehingga kurangi biaya operasional dan tingkatkan efisiensi pengeluaran. 

2. Skalabilitas Mudah

Dapat menambah atau mengurangi kapasitas secara fleksibel, mengoptimalkan penggunaan sumber daya, dan menghadapi perubahan kebutuhan dengan lebih responsif.  

3. Kecepatan dan Kinerja

Peroleh akses instan ke infrastruktur IT untuk mempercepat waktu implementasi proyek dan meningkatkan kinerja aplikasi dan layanan. 

4. Fokus pada Bisnis Inti

Infrastruktur IT sepenuhnya dikelola oleh HPE, sehingga Anda bisa fokus ke bisnis inti hingga meningkatkan produktivitas dan efektivitas operasional. 

Dengan semua keuntungan yang ditawarkan, HPE GreenLake dapat menjadi solusi yang solid dan andal dalam mendukung implementasi E-Payment di lingkungan bisnis. Dengan infrastruktur yang fleksibel, skalabilitas mudah, pengelolaan terpusat, dan keamanan yang kuat, perusahaan dapat memberikan pengalaman transaksi lebih baik bagi pelanggan. 

Baca Juga: Percepat Transformasi TI dan Inovasi Bisnis Anda Bersama Hi-Bo 

Helios Informatika Nusantara sebagai Official Distributor Hewlett Packard Enterprise di Indonesia

Helios Informatika Nusantara (HIN) sebagai official distributor Hewlett Packard Enterprise (HPE), berkomitmen membantu perusahaan mempersiapkan layanan cloud dan infrastruktur IT untuk mendukung transaksi E-Payment yang fleksibel sesuai pertumbuhan bisnis Anda.  

Dengan dukungan tim IT profesional yang bersertifikat dan berpengalaman, Helios akan membantu Anda terhindar dari trial and error saat sebelum hingga setelah proses deployment. Cari tahu lebih lanjut mengenai Hewlett Packard Enterprise Greenlake dengan mengunjungi laman ini atau juga dapat menghubungi kami di sini. 

Penulis: Ary Adianto
Content Writer CTI Group 

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These organizations may link to our home page, to publications or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party’s site.

We may consider and approve other link requests from the following types of organizations:

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We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of Helios Informatika Nusantara; and (d) the link is in the context of general resource information.

These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.

If you are one of the organizations listed in paragraph 2 above and are interested in linking to our website, you must inform us by sending an e-mail to Helios Informatika Nusantara. Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.

Approved organizations may hyperlink to our Website as follows:

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  • By use of any other description of our Website being linked to that makes sense within the context and format of content on the linking party’s site.

No use of Helios Informatika Nusantara’s logo or other artwork will be allowed for linking absent a trademark license agreement.

 

iFrames

Without prior approval and written permission, you may not create frames around our Webpages that alter in any way the visual presentation or appearance of our Website.

 

Content Liability

We shall not be hold responsible for any content that appears on your Website. You agree to protect and defend us against all claims that is rising on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

 

Reservation of Rights

We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amen these terms and conditions and it’s linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

 

Removal of links from our website

If you find any link on our Website that is offensive for any reason, you are free to contact and inform us any moment. We will consider requests to remove links but we are not obligated to or so or to respond to you directly.

We do not ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.

 

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

  • limit or exclude our or your liability for death or personal injury;
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  • exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort and for breach of statutory duty.

As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

PRIVACY POLICY

At PT Helios Informatika Nusantara, ensuring the privacy and security of your information is of utmost importance to us. As you navigate through our website, https://www.helios.id/, collectively referred to as this “Website”, we strive to create a safe and trustworthy environment for all users. This Privacy Policy establishes the terms governing your use of our website between you (“you” or “your”) and [Helios Informatika Nusantara]. By accessing our website, you acknowledge that you have reviewed, understood, and consent to be bound by this Privacy Policy.

Information We Collect

When utilizing or engaging with our Website, we may gather or receive various types of information, collectively referred to as “Information”, including but not limited to:
  1. “Personal Information,” such as your name, email, contact details, or any other personal content provided to us via forms on our website or other means of communication (e.g., email, phone, mail, etc.).
  2. “Technical Information,” such as browser type, operating system, device type, IP address, and similar technical data typically obtained automatically from browsers or devices when interacting with our Website. This may also encompass the referring URL that directed you to our website.
  3. “Usage Information,” such as the pages visited on our website, click activity, searches conducted, and other related data on how you have utilized our website. This category may also encompass details regarding your interaction with emails, including whether you opened, clicked on links, or received them.
We acknowledge that certain Technical Information or Usage Information may be considered personal data, either independently or when combined with other data, under various laws and jurisdictions. We are committed in handling such data in accordance with applicable laws and regulations.

The Methods We Use to Collect and Receive Information

Depending on the type of Information, we collect or receive it through various channels, including but not limited to the following conditions:
  1. When you voluntarily share Information with us. For instance, when you subscribe to our newsletter or fill out our online form to request contact.
  2. By using cookies and similar technologies. These technologies help us analyze how our Website is utilized and tailor content that is pertinent to you. They also assist in delivering more relevant advertisements on our own or third-party sites.
  3. Information obtained from third-party sources. This encompasses Information acquired through various business support tools and services we utilize, such as Website, analytics services, etc., as well as public sources like social media sites. We may merge the Information from these sources with other data we possess to maintain updated records and provide you with pertinent content.

The Purposes

We utilize Information for the following purposes:
  1. Processing your inquiries and responding to your requests, such as when you reach out to learn more about our products or services.
  2. Sending you information related to our services and products that we believe may be of interest to you, such as an invitation to our upcoming events, follow-up by WhatsApp blast and/or call, newsletters, or updates on products and services. These communications are sent to you either based on your explicit consent or when we have a legitimate interest in marketing our products and services. You always have the option to optout of receiving invitation, newsletters, and/or updates on products and services.
  3. Understanding how you interact with our Website and tailoring it to align with your interests, past actions, and preferences. We do this to enhance our Website, diagnose any issues, and improve your experience while navigating through them.
  4. Preventing fraud or harm to us or any third party, and ensuring the security of our network and services, which is in our legitimate interest.
  5. Complying with our legal obligations and exercising and enforcing our legal rights as necessary for PT Helios Informatika Nusantara.
  6. Utilizing certain third-party marketing and advertising networks to assist in marketing our products on our website and third-party Website.

Who We Share Information With

To facilitate our business operations and the functioning of our Website, we may disclose Information to various third parties, including:
  1. Our global branches and subsidiary companies.
  2. Third-party service providers aiding in the operation of our Website, such as hosting companies, recruitment platforms and agencies, payment processors, business management,and email distribution service providers, and similar service providers. These entities are authorized to use your personal information solely to provide these services to us.
  3. When compelled by law, such as to comply with court orders, search warrants, regulatory orders, subpoenas, and other lawful requests from public authorities, including those for national security or law enforcement purposes.
  4. Legal authorities, consultants, advisors, or service providers required to investigate, respond to, or prevent fraud, or to ensure the security of our network and services and safeguard the well-being of PT Helios Informatika Nusantara or the public.
  5. In the event of a merger and/or acquisition involving PT Helios Informatika Nusantara, Information may be transferred to the merging or acquiring entity, as well as to any advisors representing parties involved in discussions related to such merger or acquisition.
  6. Principal, resellers, partners, sponsors, or service providers acting on our behalf in conjunction with the offering of PT Helios Informatika Nusantara]’s products or services.
  7. Third-party marketing and advertising networks assisting in the promotion of our products on our Website and on third-party websites, such as Google for remarketing ads across the Internet.
  8. PT Helios Informatika Nusantara may also disclose general aggregate and anonymized information (e.g., statistical data) pertaining to the use of its Website.

Cross Border Data Transfers

  1. We may need to transfer Information to countries where we and/or our service providers operate. These countries may have different data protection laws compared to the country where the data originated, potentially offering different levels of protection. By using our Website, you consent to such transfers. In cases where applicable to the services provided, we will establish agreements with our service providers to ensure a level of privacy consistent with the terms of this policy.
  2. Regarding the collection, use, and retention of personal information transferred from Indonesia, please note that PT Helios Informatika Nusantara remains compliant with all relevant laws concerning such transfers.

Protecting Your Information

We aim to uphold top-tier security standards throughout our business operations. We have adopted suitable technical and organizational safeguards aligned with industry best practices. These safeguards are devised to prevent unauthorized access or unlawful handling of Personal Information and to mitigate the risk of accidental loss, destruction, or damage of such information. As part of these efforts, we have instituted several policies and procedures to guide us, covering aspects such as asset management, access control, physical security, personnel security, product security, cloud and network infrastructure security, third-party security, vulnerability management, security monitoring, and incident response.

Information Storage and Retention

We may store Information on both our own servers and those managed by third-party data hosting providers. As explained in Section 5 above (Cross Border Transfers), these servers may be situated globally. We will retain your Personal Information only for as long as necessary to fulfill the collection’s intended purpose. Additionally, we may retain your Personal Information for the duration required to pursue our legitimate business interests, address any legal claims, and ensure compliance with legal obligations. In instances where we utilize your information for direct marketing, we will retain your data until you choose to opt-out of receiving marketing materials; however, certain information may need to be retained to maintain a record of your request.

Modifications to This Policy

PT Helios Informatika Nusantara reserves the right to amend this Privacy Policy at any time. In the event of a significant change, we will provide notice on this page and/or adjacent to the link leading to this page. These updates will become effective immediately for new Information collected or provided from the date of the update, and within thirty (30) days for any Information collected or provided to PT Helios Informatika Nusantara prior to the update. If you do not agree to the terms of the revised policy, please contact our Legal Department using the contact details provided in Section 11 below. We encourage you to periodically review this page for any updates.

Your Choices

We offer you various options regarding the use of Information in relation to: (i) our marketing activities; and (ii) our utilization of cookies and similar technologies for interest-based advertising and website usage analysis
  1. You can choose to discontinue receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails, adjusting email preferences in your account settings page, or contacting us through https://www.helios.id/. You can manage your preferences concerning our use of cookies and similar technologies, which are used to provide targeted interest-based advertisements and analyze your website usage, by referring to our Cookie Policy for guidance.
  2. Moreover, the laws in some jurisdictions may grant you various rights concerning our processing of certain Information. These rights may include:
    • The right to withdraw previously provided consent;
    • The right to access specific information about you that we process;
    • The right to rectify or update any Personal Information;
    • The right to request the erasure of certain Information;
    • The right to temporarily suspend our processing of certain Information;
    • The right to receive Information in a common machine-readable format;
    • The right to object to our processing of Information for direct marketing purposes or when we rely on legitimate interests as the lawful basis for processing your information; and
    • The right to file a complaint with the relevant data protection authority.
We will address your requests promptly. Please note that these rights may be subject to limitations under applicable law. For further information on these rights or to exercise them, please contact [Helios Informatika Nusantara] at: [email protected]

Social Media and Third-Party Services

Our Website may include a blog with a ‘comments’ section and several social media features, such as a ‘share’ button or links to third-party websites and services like Facebook, X, YouTube, LinkedIn, and Instagram. When utilizing these features, certain information may be gathered by these third parties, such as your IP address or the specific page you are visiting on our website. Additionally, these third parties may set cookies to ensure the proper functioning of the features. Any data collected by these third parties is subject to their respective privacy policies. We encourage you to thoroughly review the privacy policies of these third parties.

Contacting Us

If you have any questions or concerns regarding this Website Privacy Policy, the information we collect, PT Helios Informatika Nusantara’s practices, or your interactions with the Website, please feel free to contact us. You can reach us via email at [email protected] or by physical mail addressed to: PT Helios Informatika Nusantara  Centennial Tower, 12th Floor Jl. Jend. Gatot Subroto Kav. 24-25 Jakarta 12930, Indonesia phone: +62 21 8062 22