Can we have Indonesia Payment Brand and National Payment Gateway ?

1. Toward Indonesia Less Cash
Society
Can We Have Indonesia Payment Brand and
National Payment Gateway …..?
by:
Saiful Hidayat
AVP. IT Service Strategy
PT. Telekomunikasi Indonesia, Tbk
FGD e-Business DEPKOMINFO , November 7th 2008

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7. Pay Now
Debit Card and ATM Card (Online Authorization using PIN)
Pay Later
Credit Card (Online Authorization using Signature)
Pay Before
Micro Payment (Offline Authorization without PIN & Signature,
Key Authentication Matching procedure)

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13. Content
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14. Micro Payment ICT Sub Systems
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15. Role of Provider Base on Micro Payment Function
Merchants
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16. Need Of Standardization
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19. Regulation Issues
– PIN based or no PIN based
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– Operating System Platform
– Interoperability
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– Business Process Policy
– License Body
– Evaluation

20. Standardization Issues
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22. DEPKOMINFO And Bank Indonesia Role
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23. DEPKOMINFO And Bank Indonesia Role
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25. License and Monitoring Role
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26. Regulation Roadmap
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29. Kesimpulan
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– Penggunaan “Brand Nasional” pada APMK yang digunakan untuk pembayaran
lokal
– Definisi transaksi elektronik keuangan dan hasil transaksi elektronik keuangan
dapat dijadikan alat bukti yang sah
– Perlindungan komsumen dan penyelengara Transaksi keuangan elektronik
– Penyelengaraan transaksi elektronik khususnya transaksi elektronik keuangan
diatur lebih lanjut oleh pemerintah (BI-DEPKOMINFO)
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– Guidance untuk membangun Brand Nasional ” Pemegang Brand dan Skema
Bisnis” untuk pembayaran lokal menggunakan kartu debit/atm
– Kartu Pra Bayar (Micro Payment) :
• Standard Skema Micro Payment Nasional (Menjamin
Compatibility/Interoperability, Security dan Kehandalan Sistem)
• Mengatur tentang proses perijinan dan pengawasan serta lembaga yang
melaksanakan perijinan, pengawasan dan sertifikasi.
• Proses Bisnis dan Prosedur untuk Technical & Commercial Issuer, Transaction
Process, Sending Data Transaction, Settlement and Reconciliation dan Customer
Care Handling
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