BAGIAN / CHAPTER 4
BAGIAN / CHAPTER 4
End state target in 2028
Phase 1: Strengthening Regulatory
Phase 2: Accelerating Development and Strengthening (2026-2027)
Phase 3: Deepening and Sustainable Growth (2027-2028)
The growing number and diversity of FSTI products, services, and business models signify a thriving innovation ecosystem within the financial technology sector. This surge in innovation is creating a fertile ground for new business ventures. As a result, economic growth is stimulated through the generation of new employment opportunities, increased investment, and improved productivity. Moreover, these new innovations can enhance financial inclusion, particularly for underserved segments of the population. Effective collaboration among technology companies, financial institutions, and government bodies is crucial to serve the unbanked and underbanked segments of the population. The growing number of FSTI partnerships underscores this strengthened collaboration, which will expedite the adoption of new technologies, improve operational efficiency, and broaden access to financial services. Moreover, these partnerships can facilitate the creation of a more robust innovation ecosystem. The increasing adoption of FSTI services reflects a growing preference for digital financial solutions. This trend can fuel economic growth by stimulating both consumption and investment. Additionally, a larger user base will enable the development of more personalized financial products and services to cater to the diverse needs of the population. The substantial increase in cryptocurrency transaction volume signifies rapid expansion in this sector. This growth can attract foreign direct investment, generate additional government revenue through taxation, and stimulate job opportunities. Furthermore, the evolution of the cryptocurrency market can foster innovation in blockchain technology and financial services. The growing proportion of FSTI entities classified as low-risk signifies a notable enhancement in the quality and security of the services provided. This development will bolster public confidence in the financial technology sector, thereby
Peningkatan jumlah produk, layanan, dan model bisnis ITSK menunjukkan inovasi yang terus berkembang dalam sektor teknologi keuangan. Semakin banyak inovasi yang ditawarkan, semakin banyak peluang bisnis baru yang terbuka. Hal tersebut akan mendorong pertumbuhan ekonomi melalui penciptaan lapangan kerja baru, peningkatan investasi, dan peningkatan produktivitas. Selain itu, inovasi- inovasi baru tersebut juga dapat meningkatkan inklusi keuangan, terutama bagi masyarakat yang belum terjangkau oleh layanan keuangan. Untuk menjangkau masyarakat unbanked dan underbanked, perlu adanya kolaborasi yang kuat antara perusahaan teknologi, lembaga keuangan, dan pemerintah. Peningkatan jumlah kemitraan ITSK mencerminkan penguatan kolaborasi tersebut, yang akan mempercepat adopsi teknologi baru, meningkatkan efisiensi operasional, dan memperluas jangkauan layanan keuangan. Selain itu, kemitraan ini juga berpotensi menciptakan ekosistem inovasi yang lebih kuat. ITSK menandakan semakin tingginya minat masyarakat terhadap layanan keuangan digital. Hal tersebut dapat mendorong pertumbuhan ekonomi melalui peningkatan konsumsi dan investasi. Selain itu, peningkatan jumlah pengguna akan menyediakan data yang lebih kaya untuk mengembangkan produk dan layanan keuangan yang lebih sesuai dengan kebutuhan masyarakat. Pertumbuhan jumlah pengguna Peningkatan kripto menunjukkan pertumbuhan yang pesat pada sektor ini. Pertumbuhan tersebut berpotensi menarikinvestasiasing,meningkatkanpendapatan negara melalui pajak, dan menciptakan peluang kerja baru. Selain itu, perkembangan pasar aset kripto dapat mendorong inovasi dalam teknologi blockchain dan sektor keuangan. nilai transaksi aset Bertambahnya persentase penyelenggara ITSK dengan peringkat risiko rendah menunjukkan peningkatan kualitas dan keamanan layanan yang ditawarkan. Hal ini akan meningkatkan kepercayaan masyarakat terhadap sektor
and Supervisory Foundations (2024-2025)
Number of FSTI products, services, activities, and business models
Number of FSTI partnerships
100 100
5.000 5.000
100 100
5000 5000
80 80
4000 4000
2.500 2.500
60 60
3000 3000
50 50
40 40
2000 2000
1.500 1.500
20 20
20 20
1000 1000
0 0
0 0
PHASE I
PHASE II
PHASE III
PHASE I
PHASE II
PHASE III
Number of FSTI users
Value of cryptocurrency transactions
triliun
Rp 1.000 Rp 1.000 triliun
5.000.000 5.000.000
1000 1000
5000 5000
Rp 750 triliun triliun Rp 750
800 800
4000 4000
Rp 500 triliun Rp 500 triliun
600 600
2.000.000 2.000.000
3000 3000
400 400
2000 2000
1.000.000 1.000.000
200 200
1000 1000
0 0
0 0
PHASE I
PHASE II
PHASE III
PHASE I
PHASE II
PHASE III
Percentage of FSTI with a composite rating on the risk assessment of very low (1) and low (2)
Value of transaction results from partnerships between FIs and FSTI
Rp 1.000 Rp 1.000 Trillion
100 100
1000 1000
90% 90%
85% 85%
80 80
800 800
75% 75%
Rp 500 Rp 500 Trillion
600 600
60 60
Rp 300 Rp 300 Trillion
400 400
40 40
200 200
20 20
0 0
0 0
PHASE I
PHASE II
PHASE III
PHASE I
PHASE II
PHASE III
Peta Jalan Pengembangan dan Penguatan Inovasi Teknologi Sektor Keuangan, Aset Keuangan Digital dan Aset Kripto 2024 - 2028
Roadmap for Developing and Strenghthening Financial Sector Technology Innovation, Digital Financial Asset, and Crypto Asset 2024 - 2028
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