Along with the growth of telecommunication business and the tight rate competition between operators and telecommunication service providers in Indonesia, affecting the rate of mobile communication (voice, data, and video) offered to the customers to be cheaper. The cheap rate allows the customers to enjoy the telecommunication services and now their needs is changing not only for communication but also voice, data, and video, and it becomes their basic need. Aside from that PT. AIR MAS ASIA (AMA) is also entering the e-payment/e-money business since in this digital era, transactions can be done in many ways.