The significant milestone namely the successful establishment of an independent national payment system through the National Payment Gateway (GPN), Quick Response Code Indonesian Standard (QRIS), and BI-Fast.
According to Kartika, popularly known as Tiko, this development proves that Indonesia no longer relies entirely on global networks such as Visa and Mastercard, while also strengthening the country’s digital resilience.
“We decided that we must gradually reduce our dependence on Visa and Mastercard by building GPN, QRIS, and BI-Fast,” Tiko said at the Digital Resilience Summit 2025 held at the Peruri Building in Jakarta on Wednesday.
Tiko explained that the Ministry of SOEs, together with Bank Indonesia and the country’s entire banking sector, has built the payment ecosystem from the ground up — including infrastructure, hardware, software, API integration, and security.
With the national payment system in place, Indonesia has become more self-reliant and no longer dependent on foreign payment systems.
“Now we can see that Indonesia’s payment system is quite independent, not reliant on foreign payment systems, and its security is also robust,” he added.
Tiko emphasized that the development of digital infrastructure must be carried out with structured planning and prioritize security aspects, ranging from encryption and multi-factor authentication to integrated application governance. He believes these measures can minimize risks such as hacking and phishing.
He also highlighted the issue of personal data protection. According to him, data breaches should be used as a momentum to strengthen data governance in accordance with the Personal Data Protection Law (UU PDP).
“We, together with the government, private sector players, and government institutions, ensure that public trust in data protection must operate effectively, including through digital consent and other measures,” Tiko said.
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Translator: Maria, Azis Kurmala
Editor: Primayanti
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