The massive users of transportation in Jakarta are inevitably increasing from year to year, and it blocks up the highway and thus making the cars stuck in the highway and led to a more even worst traffic jam. The efficiency of using highway does no longer exist because even entering the highway during peak-hour; the line up is already up to 300 meters. Most traffic often occurs at the toll caused by the length of the payment process at the counter in cash, furthermore there are a lot of moral hazard cases are implemented by counter toll employees, that shouldn’t receive any tip. Thus, Jasa Marga as the company who build the highway needs another alternative to make it more efficient.

Regarding those problems, the toll road operators found out a new system to solve the problems. One of the systems that have been used until now is the application of e-Toll Card. E-Toll Card is a pre-paid contactless smartcard issued by Bank Mandiri in cooperation with PT Jasa Marga (Persero) Tbk, PT Citra Marga Nusaphala Persada Tbk and PT Marga Mandala Sakti for toll payment transaction. E-Toll Card uses RFID (Radio Frequency Identification) which enables remote transaction (contactless). The balance is stored in the card’s chip so that during transaction with e-Toll Card there is no need for a PIN or signature. E-Toll users just need to attach the card to pay tolls fee within 4 seconds, faster than paying in cash, which takes 7 seconds.

The electronic card service for the toll road (e-toll card) has a great demand toll users. In fact, the e-toll could reduce queues at the toll gate is significant. For comparison, the minimum service standards at the toll booth attendant had for eight seconds. However, the e-toll, the service only takes a second. With e-Toll Card, people can pay the toll faster, no need for cash and no hassle with change.

Besides it avoids the long line in the toll road, it is also faster, easier, and more efficient. Using this card, the toll road users don’t need to pay the toll fee with cash and wait for the change. The users can use Touch&Pass and Hi-Pass systems. Using Touch&Pass system, cardholders only need to attach the card to the card sensor and then the result will automatically decreases the debit side of e-Toll bank account.