The document discusses moving Indonesia towards a less cash society by developing a national payment brand and gateway. It notes that 77% of transactions are still done with cash. It proposes options for "pay now", "pay later", and "micro payments". Standardization is needed across operating systems, interoperability, and business processes. The roles of DEPKOMINFO and Bank Indonesia in regulating electronic payments are discussed. A roadmap is proposed to define electronic financial transactions and protect consumers.

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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14. Micro Payment ICT Sub Systems
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15. Role of Provider Base on Micro Payment Function
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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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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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