THE DEVELOPMENT OF

DIGITAL FINANCE
INNOVATION

Triyono
Head of Digital Finance Innovation Group
Otoritas Jasa Keuangan
 Digital Transformation & Fintech
Traveling
Digital Transformation in Financial Technology
It is no longer a black box, we all use it for most online payments for Amazon,
iTunes, airline tickets, electronic money transfers and also, for banking using
our smartphones, credit cards using CHIP/PIN or storing value on cards
Fintech 4.0
Credit Scoring
Fintech 2.0
Internet Banking Fintech 5.0
ATM Financial Planner
Equity Crowd Funding
Digital Financial Innovation
Fintech 1.0
General Ledger Fintech 3.0
Digital Payment
P2P Lending
Entertainment
Transportation

Shopping

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Digital Era & Covid-19
The Two are Likely to Go Hand in Hand

New Habits
• Physical and social distancing
• Remote working
• Heavier use on smartphone and gadget
• More digitalized activities

New Business Model

• Booming smartphone-based business
More digitalized financial activities
- Digital payment
- Digital bank
- Online investments
• More utilization of Fintech
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Current Trend CUSTOMER

Super Apps III

E-Commerce Traveloka
II

Bank Asuransi
Pasar
Modal
I
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Beyond Banking Trend:
Enhance Collaboration & Empower Ecosystem

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 Lanskap Inovasi Keuangan Digital

Penggunaan
5 Perusahaan Unicorn di Indonesia massal

1st USA: 288 Perusahaan Unicorn Pengalaman

2nd China: 133 133 Perusahaan Unicorn
3rd India: 32 Perusahaan Unicorn Keahlian

Pengetahuan

Transaksi Digital Banking : Rp. 27.036 T Menyadari responden yang menggunakan layanan
keuangan digital.
Transaksi Digital : Rp. 448 T
31,26% Layanan yang paling banyak digunakan
adalah pembayaran tagihan, pinjaman
2019 online, pembelian asuransi online,
pembukaan rekening, dan investasi online.
Kesadaran Keuangan Digital
Digital Financial Literature Index
Muncul
Foundation
Menyadari Berskala 93% Ketersediaan Internet.
Performa DKI Jakarta, Banten, Jawa Barat,
36% Pengetahuan tinggi
Keahlian
Jawa Tengah, Jawa Timur.
Inovatif
Diadopsi
Savvy user

Pengguna Smartphone: 167 Juta / 89%

Source: OJK 2020-2021, Statista.com -2021, SNKI-2021

Langganan Smartphone Dunia:7,516 Juta 6
 The Role of OJK in Fintech Development
Not Only Composing Regulations, But Also Creating Ecosystem

• Facilitator
• Fintech Center • Law Enforcement
• Innovation Hub • Claim Handling
• Education & Literacy
Protection

Development Supervision a) Prudential:

• Peer to Peer Lending
• Digital Banking
• Securities Crowdfunding
Regulation License b) Market Conduct:
• POJK 77/2016 – December 29, 2016
(Peer to Peer Lending) • Digital Financial Innovation
• POJK 12/2018 – August 6, 2018
(Digital Banking)
• POJK 13/2018 – August 16, 2018 • Recording
(Digital Financial Innovation) • Registration
• POJK 57/2020 – December 11, 2020 • Licensing
(Securities Crowdfunding)
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 Digital Ecosystem
Consisting of Many Parties with Various Roles, Including Capacity Building

“These ecosystems — composed of

governments, financial institutions,
and entrepreneurs ..”
PwC

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 THANK YOU!

@
OJK 157 OJK.GO.ID/GESIT OJKINFINITY@OJK.GO.ID