yap! is an application for smartphones that supports cashless payments and is digitalized by Bank Negara Indonesia (BNI).

A COZY OASIS in Jakarta’s Kemang district, 7 Speed Coffee is on the forefront of the cashless economy in Indonesia, with guests zapping QR codes to make instant payments thanks to the yap! app, digitalized by BNI.

The cafe–the name riffs on its seven owners, all friends with a passion for weekend cycling in Jakarta–is popular with local skaters and bikers. It’s a hip hub for counterculture that 7 Speed Coffee obviously cultivates, looking at the bike racks fronting the cafe's terrace, away from the street, in the calm of the Mirasari complex.

Inside, cafe co-owner Callula, who made her barista bones at the ABCD School of Coffee, serves up coffee in creative ways, such as her Concoction No. 18–a  tonic/cold-brewed coffee drink served in a cocktail glass that’s surprisingly delicious.

Adopting the yap! app for cashless payments made a lot of sense for the business, according to the 24 year old. “This is the era of the cashless society,” she says. “The app makes people intrigued.” Plus the cafe doesn’t need to worry about keeping the register stocked with small bills.

Inside, the clientele varies, from creative entrepreneurs to skater millennials, and a few expatriate moms from nearby international schools.

Things move faster with yap! payments at 7 Speed Coffee, Callula says–and that’s perfect for the cafe’s clientele of smartphone savvy professionals who are too busy disrupting and creating to fumble with wallets, multiple cards and fistfuls of rupiah when fuelling up with coffee.

BNI introduced the yap! app in January, and since then, about 40,000 merchants throughout Indonesia have signed up. You can find list of merchants at yap.id.

BNI is making joining the cashless economy easy for merchants: Registration is free. Merchants need only a smartphone to verify payments plus a QR sign from yap! for customers to use at the point of purchase.

Registration is so simple that even street food vendors are getting in on yap!, meaning you can grab a rujak fruit salad or satisfy your gorengan fried-snack fix on the fly, even if you forgot your wallet. Just bring your smartphone.

Back inside 7 Speed Coffee, Kathya, another co-owner, describes the cafe's casual, contemporary decor as a Japanese take on California coffeehouse culture. Exposed concrete floors are covered by Oriental-style rugs, while a wooden short board hangs on the wall along with a neon-pink Japanese-made Watanabe 7-speed bicycle.

The cafe's overall vibe is cool, says Kathya, while the coffee served at 7 Speed Coffee is practical, Callula adds.

Cool and practical–just like yap!

For customers, yap! cashless payment process is also simple. Let’s take a closer look.

Simple

Start with a download of the yap! customer app from the App Store or Google Play. Register your BNI Debit Card or Credit Card and you’re good to go. If you don’t have a BNI card, just register your mobile number to get UnikQu account.

Convenient

Ready to make a purchase at any of yap!’s ever-expanding network of merchants? Open yap! app, and click pay. Choose your prefered source of fund, scan the QR code sign so the AR code fits the frame until the app asks for your PIN number. Enter your PIN number and press checklist (bottom down button). The merchant will get instant notification.

Secure

BNI keeps yap! transactions safe in two ways. Those are via password when logging into the yap! app, and via a PIN to be entered to verify every payment.

Popular

Ahok questions Agus' flood mitigation stance in first debate

K-pop group BTS to make comeback in February

Agus cash assistance plan slammed by Ahok, Anies