"I Am # LessCashSociety."

It's been three years, precisely August 14, 2014 ago, this slogan campaigned by Bank Indonesia (BI). The goal is simple. Invite people to switch to using nontunai. Everything has been made easier. Just bring one card. This campaign is increasingly recognized, through the government program of the National Non-Cash Movement (GNNT).

Campaign results each year are quite successful. Each year the amount of electronic money in circulation increases. Until August 2017, it has reached 68.84 million. The increase is drastic. When compared to first introduced to the public in 2010 ago. At that time only the amount of electronic money in circulation reached only 7.91 million. While growth in 2014, also shot when compared to the first year. Growth reached approximately five-fold or 35.73 million.

Nontunai programs are increasingly recognized. But BI just issued a rule. Especially related to the arrangement of additional money refill electronic money. Through the Regulation of the Board of Governors Number 19/10 / PADG / 2017 dated September 20, 2017. This rule concerns the National Payment Gateway (PADG GPN). Through the beleid the central bank arranges the scheme up to the cost of refills.

As long as it can not be denied, the rules of additional costs are not yet clear. The companies owning electronic money facilities arbitrarily burden their customers and customers. The amount is uneven. However, the rule can only take effect after a month is published.

The refill of electronic money before the BI rules came out, is still very diverse. For example, at the TransJakarta bus stop a fee of Rp 2,000 to refill e-money. But it's free if using a debit card. Then, refills in Alfamart and Indomart are charged Rp 1,000. Not only that, a refill at a different ATM bank instead charged Rp 6,500 or transfer fee.

This beleid was finally published. No removal of extra money. The central bank instead regulates the nominal extra money. All the same. Refunds via partner will cost a maximum of Rp 1,500. Owners of electronic money are free when filling in place according to the card. Unfortunately still charged extra money.

In this rule, every refill at the issuing bank of up to Rp 200,000 is free of charge. However, if charging electronic money above Rp 200.000 then charged a maximum of Rp 750.

Head of BI Transformation Program Center, Onny Widjanarko, argue the presence of this rule actually makes consumers more protected. Although it must be admitted still charged extra money. "If baseball (arranged) then baseball uniform again.For example, the top up here cost Rp 1,000, there Rp 2.000, through ATM Rp 6.500.Now we want to protect the community," said Onny, last week.

The pricing policy is determined by BI based on the ceiling price mechanism. It aims to ensure consumer protection and compliance with each competition principle. Among these, healthy, expanding acceptability, efficiency, service and innovation.

Even so, BI ensure the security of transactions using electronic money better slammed cash. The next benefit, recording transactions automatically so as to facilitate the calculation of economic activity. This is expected to prevent legal economic activity through cash.

This facility is also not only in the form of cards. Even already through a smart phone. This innovation is motivated by the number of mobile phone and internet users in Indonesia. Each year increases.

They accounted for nearly half of the total number of Internet users aged 18 to 25 years. So that generation is expected to be the front guard in attitude change so as to create the community of Less Cash Society in the surrounding environment.

This additional cost remains criticized. BI is considered contrary to the initial concept of electronic money. Yayasan Lembaga Konsumen Indonesia (YLKI) sees that the central bank should appreciate the users of electronic money. So it does not have to be charged extra money. User communities should get bonuses.

Because, with electronic money will make the cost of printing money to go down. Well, that cost can be converted BI to buy or maintain non-cash service infrastructure.

"With this cash less printing is also a down," jela Chairman of YLKI, Tulus Abadi to merdeka.com, last week.

The central bank does have its own views on the issue. Keep charging extra refills considering the ability, safety and comfort of the community.

The condition is actually viewed YLKI upside down. They feel the growth of electronic money users is slow. The addition of recharging balances is one of the causes. Though this non-cash concept is considered a good step in the national economy.

For that, said Tulus, should the people of electronic money users should be benefited. "Growing yes but slow growth.Our expectations if the rapid growth, the user a lot, top up easy I think that the first community benefited," said Tulus asked BI to improve the program.