Toward Indonesia Less Cash Society By Saiful Hidayat

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Can we have Indonesia Payment Brand and National Payment Gateway ?

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Toward Indonesia Less Cash Society By Saiful Hidayat

  1. 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
  2. 2. Content !
  3. 3. ! quot; # $ % &
  4. 4. ' ( 5% 4% 6% Cash 8% Debit Card ATM Card Credit Card Cheque 77%
  5. 5. )' ( quot; *) + , ( quot; *-) . ( quot;
  6. 6. Content !
  7. 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)
  8. 8. , quot; ( ' quot; / quot;0 1 2 quot; quot; + quot; ' 3 3 ( /4 5 quot; quot; 4 6 quot; 0 / 01 2 3quot; /& 7 89 ( & 7 89 /7 0 quot; 0 ' 2 quot; 3 '
  9. 9. !quot; quot;# $ % & ' '
  10. 10. Content !
  11. 11. , quot; ( ' : : : !quot; # ! #$ : % & ' () * + * * , * ,-. / 0 +1 2 1 3 + 4 : 5 6 / 07 0 , 5 !
  12. 12. ( quot; ) * ' + % 4 % ++ & ; & '# ) & ; & '# ) 3 ) ' % & '# ) & quot; Flash ( % & '#
  13. 13. Content !
  14. 14. Micro Payment ICT Sub Systems 3C 3' < 3 'quot; <@& (.< ( 4 < 7 => ? ( (+ & (9 3 <+ quot; & quot; ( ( 3' =7C ' 9 ( 3 3 3( ( ( & + quot; , > (73 quot; + &=(+ , > ' > ' &@ 4' + quot; , A(, ' 4 ( 7 quot; 3 4 B ( 3 quot; ? ' /3D, 0 4 & 6 7 quot; quot; B quot; + C 9 & 3 3 < A quot; E( '
  15. 15. Role of Provider Base on Micro Payment Function Merchants ' ' ' ' ! quot; F/E Providers / / / / 0 Switching Provider 0 0 0 , + 3 ) , + , ' ' ' ' , + # 1 ' , /1 Banks Issuers Regulators ' , + + ) ) - + . ) quot; E( '
  16. 16. Need Of Standardization 3 quot; + / ' quot; 2 3 quot; + / ' 3 & * & quot; , & & $ ' $ &+ 3 4 & & & & quot; E( '
  17. 17. ' # quot;+ / D ( F 3 9 D C D ( F D < 3 9 D + F 3 3 ( 3 quot;+ + ' D + D , ( D 3 4 . /D & B 0 quot;
  18. 18. Content !
  19. 19. Regulation Issues – PIN based or no PIN based quot; – Operating System Platform – Interoperability # ! – Business Process Policy – License Body – Evaluation
  20. 20. Standardization Issues ' 3 2 3 &( D /9 3 3 ( 0 2 4 ( 2 ( , ' ( 3 ( , 8 & 4
  21. 21. 21 8 5 1 0 # / # ! # ! # ' + . + + - / / . # 4 + # # + ) + ! + ' # ! ! #+ + 4 ! 6 2 3 # ) ! + * # + quot; # & ' + . , ( # ! 2 # - + # + # # ) $ 3 - 04 ( 5(% , # $! ! + + ( %0 ! 0 . # 1 & ! / # # + + ! quot; # $! %
  22. 22. DEPKOMINFO And Bank Indonesia Role quot; % + ' % + ' + quot; quot; ' -' 6 % 7, % 8 quot; + # quot; . ) 6 ' quot; + ' + 6 8/ 8# + & ' * , quot; ' -' 6 quot; ' ) 6 0 8 8& 8 + + ' quot; + quot; 3 . ' + 6+ ( % 96 # 6 -& , + . 9 + ' + & : + + quot; ' quot; E( '
  23. 23. DEPKOMINFO And Bank Indonesia Role $ $ % & ' ( ) * ) + , - $ )( ( . ( / )( 0( 0 . &. 0 0 0 . 0 ! - $ . . . . . 1 ) * $ ( $+ $ . 2 0 . 0 . 0 ! 3 ( $ - ' ' ( ( $ * 3 + quot; E( '
  24. 24. 3 * ; quot; ' 4 < ( 3 ' + .' <7&.' 3&3' quot; 3 quot; . / ' G + <(D9 ' 49 0 , 3 ( 3 9 1 2 3 2 quot; ' 2 3 D 3 ' ( + <(D9 ' 49 G , ' Sumber : SCS, Finnet
  25. 25. License and Monitoring Role quot; E( '
  26. 26. Regulation Roadmap : :3 3 , 3 . . D C 3 ? /' 3 ' 3 3 ( , 3 3 quot; ( : . : ( 3 3 & ? , ( ' 3 ( 7 3 : ( ' 3 ( ( ( : : 3 : ( /' 0 ' ( ( ( quot; . & /3 9 0 ( quot; ' + ( < = quot; E( '
  27. 27. Kesimpulan ( ! $ . ( / – 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) * ( + ( * +( $ , / – 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 quot; E( '

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