May 08, 2026

Promoting an Integrated One-Stop Payment System for More Inclusive Public Transportation

Read in English here

On Thursday, May 7, 2026, ITDP Southeast Asia Director Gonggomtua Sitanggang was invited as a speaker at the Visiting Top Professor Public Lecture titled “Mobility as a Service: Challenges and Opportunities”, organized by the Master’s Program in Civil Engineering, Faculty of Engineering, at Sebelas Maret University in Surakarta.

The seminar addressed the increasingly complex challenges of urban transportation in Indonesia, which continue to affect economic productivity and the quality of life of urban residents. The rise of digital transformation has brought positive impacts through the provision of more integrated, responsive, and data-driven services. This transformation also supports the development of comprehensive digital payment systems.

However, an important question remains: who is being left behind by this digital payment transformation? In his presentation titled “Seamless Mobility in Practice: A Case Study of Multimodal Booking and Payment System,” Gonggomtua explained that cash payment options are still necessary to accommodate vulnerable groups who tend to have limited digital literacy.

In his presentation, Gonggomtua explained the concept of Mobility as a Service (MaaS), which prioritizes customer experience by integrating multiple modes of transportation into a single system. The key components of MaaS include:

  1. Integrated transportation modes;
  2. Integrated payment systems;
  3. Journey planning; and
  4. Real-time information and support.

MaaS offers several advantages, including increasing ridership, improving service satisfaction, supporting economic growth, reducing congestion through reliable transportation alternatives, and lowering dependency on private vehicles.

Integrated transportation systems are key to the success of MaaS. Integration should not only focus on institutional and operational coordination, but also include physical infrastructure integration, unified fares and payment systems, and comprehensive information systems. Fare integration in Jakarta has already been demonstrated through the maximum fare cap for MRT, Transjakarta, and Jaklingko services, with a maximum fare of IDR 5,000 for Transjakarta and Jaklingko, and IDR 10,000 for combined MRT, Transjakarta, and Jaklingko journeys within a three-hour travel duration.

However, Jakarta’s urban transportation system—including angkot, BRT, LRT, MRT, and others—still needs to improve and implement a universal digital payment system. The positive impacts of such implementation include improved user convenience, better passenger travel data and information to enhance public transportation services, and more targeted subsidy distribution.

“Seamless Mobility in Practice: A Case Study of Integrated Multimodal Booking and Payment Systems”

Unfortunately, this level of integration has not yet been fully implemented across Jakarta’s public transportation modes. Angkot services still only accept cash payments, while Transjakarta, MRT, LRT Jakarta, LRT Jabodebek, and KRL do not accept cash payments at all. Transjakarta and LRT Jabodebek also do not accept single-trip cards, even though MRT, LRT Jakarta, and KRL do. This fragmented payment system not only confuses passengers, but also limits users’ access to certain transportation modes.

Nevertheless, efforts to integrate public transportation payment systems have already been initiated by the Jakarta administration. The Jaklingko application integrates transportation services managed by Jakarta-owned enterprises with ride-hailing services such as Grab, making it easier for users to plan, book, and pay for their journeys. The system also provides subsidized fares for elderly passengers, students, and other eligible groups.

The fragmentation of this integration system cannot be separated from differing public transportation priorities across regions. Therefore, a transportation authority capable of integrating various transportation modes across the Greater Jakarta area is urgently needed.

For this reason, ITDP proposes a unified payment system using a single card and NFC-based mobile payments (such as Apple Pay, Google Pay, Alipay, Samsung Wallet, and others). In addition, payment innovations such as fare caps, minus ride systems (allowing users to continue traveling even with insufficient balance, with deductions applied during the next top-up), frequency-based discounts, and mileage services (reward points based on travel distance that can later be used for fare payments) should also be implemented to attract and retain public transportation users.

More importantly, however, cash payment options must still be maintained, as practiced in cities such as London and Taipei. This is necessary to accommodate vulnerable groups with limited understanding of digital payments, while also supporting their gradual transition toward digital systems.

Looking ahead, the development of a more comprehensive payment ecosystem—including one-stop payments with a single card, the use of debit and credit cards, NFC-based mobile payments, as well as cash payments—is expected to make public transportation more accessible for people from all backgrounds.

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