In opening remarks at an international seminar in Bali, Bank Indonesia Deputy Governor Filianingsih Hendarta called for consumer protection to be embedded in digital transformation as payment systems become faster, more interconnected and increasingly cross-border. She emphasized integrated, real-time and risk-based coordination, supported by clear responsibilities, trusted information exchange and coordinated cross-border responses to digital crime. The remarks highlighted the widening gap between access and financial understanding. QRIS recorded 12.55 billion transactions worth about IDR 600.7 trillion in the first half of 2026, double the volume a year earlier, while Indonesia’s financial literacy index of 69.57% remained below its financial inclusion index of 93.61%. Bank Indonesia is addressing these risks through its Payment Systems Blueprint 2030, its 2026 consumer protection regulation and the Indonesia Anti-Scam Centre, which supports faster detection and reporting of digital crime and recovery of victims’ funds.
2026-09-17Bank of Indonesia
Bank Indonesia urges integrated cross-border consumer protection as digital payments expand
Bank Indonesia Deputy Governor Filianingsih Hendarta urged stronger cross-sector and cross-border coordination to embed consumer protection in digital payment development. QRIS volumes doubled year over year in the first half of 2026, while a substantial gap persisted between Indonesia’s financial literacy and inclusion rates. Existing measures include the Payment Systems Blueprint 2030, a 2026 consumer protection regulation and the Indonesia Anti-Scam Centre.