BAGIAN / CHAPTER 2
BAGIAN / CHAPTER 2
(ii) accelerating the pace of innovation; and (iii) driving the development of financial sector innovation. However, this optimistic outlook is still accompanied by challenges that require a policy response focused on strengthening the increasingly integrated synergies within the financial sector ecosystem. This chapter will present a strategic review that will determine the direction of the development of financial technology innovation in Indonesia for the next five years. In steering the course of innovation and digitalization within the financial sector, the FSTI, Digital Financial Assets, and Crypto Assets Supervision Unit plays both a vertical and horizontal role. Vertically, the FSTI, Digital Financial Assets, and Crypto Assets Supervision Unit is responsible for fostering innovation within existing financial institutions, such as banks, insurance companies, and capital markets, through regulatory sandboxes. Innovations developed in the financial sector are tested within these sandboxes before being regulated and supervised by the respective financial institution regulators. For instance, the FSTI, Digital Financial Assets, and Crypto Assets Supervision Unit is currently conducting sandboxes for the bond tokenization, gold tokenization, and real estate tokenization, which intersect with the regulatory purview of each respective financial institution. Vertically, the Digital Financial Assets, and Crypto Assets Supervision Unit plays a crucial role in the development of the digital economy by supporting the expansion of innovation-based ecosystems. Through the Industrial Sandbox, OJK in collaboration with other ministries and agencies, will conduct testing on use cases and pilot projects that can support national economic growth. OJK has coordinated with relevant ministries and agencies, such as the Ministry of Trade, the Ministry of Health, and several others, regarding support for the development of sandboxes and joint innovation. Additionally, OJK will continue to support the development of digitalization in Indonesia's primary economic sectors through the development of AI-based solutions.
(i) penguatan regulatory sandbox; (ii) percepatan laju inovasi; (iii) pengembangan inovasi di sektor keuangan. Namun demikian, langkah optimis ini masih menyisakan tantangan yang menuntut respons kebijakan dengan fokus pada penguatan sinergi yang semakin terintegrasi di ekosistem sektor keuangan. Bab ini akan memaparkan tinjauan strategis yang menjadi penentu arah pengembangan inovasi teknologi sektor keuangan Indonesia hingga 5 (lima) tahun ke depan. Dalam mengawal arah inovasi dan digitalisasi sektor keuangan, Bidang Pengawasan ITSK, Aset Keuangan Digital dan Aset Kripto memiliki peran vertikal dan horizontal. Secara horizontal, Bidang Pengawasan ITSK, Aset Keuangan Digital dan Aset Kripto berperan untuk mengembangkan inovasi di lembaga jasa keuangan eksisting seperti perbankan, asuransi, dan pasar modal, melalui regulatory sandbox. Inovasi yang berkembang di sektor keuangan akan diuji di dalam regulatory sandbox untuk kemudian diatur dan diawasi oleh pengawas lembaga jasa keuangan. Sebagai contoh, saat ini Bidang Pengawasan ITSK, Aset Keuangan Digital dan Aset Kripto sedang melakukan pendalaman potensi keikutsertaan sandbox atas tokenisasi surat hutang, tokenisasi emas, dan tokenisasi real estate, yang beririsan dengan pengawasan lembaga jasa keuangan lainnya. Secara vertikal, Bidang Pengawasan ITSK, Aset Keuangan Digital dan Aset Kripto memiliki peran penting bagi pengembangan ekonomi digital melalui dukungan perluasan ekosistem berbasis inovasi teknologi. Melalui Industrial Sandbox, OJK bersama Kementerian/Lembaga lain akan melakukan pengujian atas use case dan pilot project yang dapat mendukung pertumbuhan ekonomi nasional. OJK telah melakukan koordinasi dengan Kementerian/Lembaga terkait seperti Kementerian Perdagangan, Kementerian Kesehatan, dan beberapa lembaga lainnya terkait dukungan pengembangan sandbox dan inovasi bersama. Selain itu, OJK juga terus akan mendukung pengembangan digitalisasi sektor- sektor ekonomi utama di Indonesia melalui pengembangan solusi berbasis AI.
2.1. Inovasi Teknologi Sektor Keuangan (ITSK)
2.1. Financial Sector Technology Innovation (FSTI)
Inovasi di sektor keuangan terus berubah seiring dengan perkembangan ekosistem keuangan Perkembangan inovasi berjalan secara eksponensial dan terus menguat di masa depan. Penguatan inovasi harus didukung dengan penguatan kebijakan dimana regulatory sandbox menjadi salah satu pendekatan yang diterapkan dalam memformulasikan kebijakan yang tepat untuk mengakomodir inovasi yang terus berkembang.
Financial sector innovation is a constantly evolving dynamic that parallels the development of the financial ecosystem. This innovative development is progressing exponentially and is expected to grow stronger in the future. The strengthening of innovation must be supported by the strengthening of policies, where regulatory sandboxes serve as one of the approaches implemented in formulating the right policies to accommodate continuous innovation 2.1.1. Facilitating Innovation through a Regulatory Sandbox Since the launch of the regulatory sandbox in 2018, there have been 458 applications from financial sector innovators seeking to test their innovations within the regulatory sandbox framework. The OJK's objective during this period
2.1.1. Mengawal Inovasi dengan Regulatory Sandbox
Sejak diresmikannya regulatory sandbox pada tahun 2018, terdapat 458 permohonan dari inovator di sektor keuangan untuk menguji inovasinya di Regulatory Sandbox. Tujuan Regulatory Sandbox OJK pada periode tersebut
Gambar 6 : Klaster Regulatory Sandbox OJK Figure 6 : OJK Regulatory Sandbox Clusters
43 AGGREGATOR
4 FINANCIAL PLANNER
5 REGTECH E-SIGN
1 INSURANCE HUB
2 TAX & ACCOUNTING
3 INSURTECH
6 E-KYC
1 ONLINE DISTRESS SOLUTION
8 FINANCING AGENT
8 TRANSACTION AUTHENTICATION
1 PROPERTY
20 INNOVATIVE CREDIT SCORING
1 REGTECH PEP
3 FUNDING AGENT
2 WEALTH TECH
INVESTMENT MANAGEMENT
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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