Rekening Bersama (RekBer) The Indonesian Escrow Service of Money

That was a common thing when Escrow Service of Money (ESM) providers handled by the institution that has a legal aspect (structural assurance) to operates their business activities. However, how if the bank-like service agency operates by the individual, performed online and does not have some guaranteeing assets? How they do warrant their customers that they will not violate the consumer trusts? In addition, did the customers trust them? In this paper appointed a case study of the Rekening Bersama (RekBer) phenomenon as Indonesian ESM. Where, most of them ran the bank-like business without forming a legal entity as a reliable guarantee. In spite of that, we found a unique behavioral pattern that either incorporated RekBer or individual RekBer has the same opportunity to being trusted by their trustors.