JAKARTA - Indonesia's digital financial industry is now entering a more mature phase, where trust, consumer protection, and financial inclusion are the main factors in determining the sustainability of industry growth. The Financial Services Authority (OJK) has recorded the number of users of digital financial asset platforms has reached 17.17 million users with a total of 77.32 million transactions throughout the current year.
In the midst of this growth, industry players and regulators, including the Indonesian Fintech Association (AFTECH) and OJK, agreed that innovation without consumer protection is no longer a tolerable option. This commitment resurfaced in the 2026 AFTECH Member General Meeting held in Jakarta, Tuesday, May 12.
This development shows that Indonesia's digital financial industry is beginning to shift from merely competing for growth to competing in building public trust and compliance with regulations. For INDODAX as the top Indonesian crypto exchange that is registered and supervised by the OJK in Indonesia, this condition is a signal that the digital asset industry is now required to grow more transparently, responsibly, and be able to open wider access for the public to digital financial services.
Chief Marketing Officer of INDODAX, Aloysia Dian, assessed that the theme 'Guarding Trust and Creating Greater Economic Impact' which was raised by AFTECH this year is very relevant to the dynamics of the digital asset industry today.
"In the digital asset industry, trust is not only a supporting factor, but the main foundation. The growth of the Indonesian crypto and crypto exchange industry must currently be balanced with consumer protection, transparency, and strong governance so that the ecosystem can develop healthily, sustainably, and provide real benefits that are wider for the community," said Aloysia, Tuesday, May 12.
In his remarks, the Chairman of AFTECH, Pandu Sjahrir, emphasized that Indonesia's digital financial industry is now entering a more mature phase. According to him, industry players are no longer only focused on market share grabbing, but have begun to place governance, compliance, and public trust as the main foundation for industry growth.
Pandu also highlighted the importance of building innovations that are secure by design and responsible by design, so that the development of financial technology can have a real impact on the real sector and the wider community. He assessed that Indonesia's digital industry currently has a positive growth story and is increasingly showing a healthier business foundation than in previous years.
In line with this, the Chairperson of the OJK Commission Board, Friderica Widyasari Dewi, emphasized that innovation in the digital financial sector must go hand in hand with consumer protection and strengthening public confidence. According to him, the growth of the industry should not only be oriented towards business expansion, but also needs to ensure the safety and sustainability of the ecosystem in the long term.
Friderica also emphasized that technologies such as artificial intelligence, big data analytics, cloud computing, and blockchain will increasingly play a role as enablers in expanding the inclusiveness and efficiency of digital financial services, including reaching people and businesses who have not previously been optimally served.
As a regulated Indonesian crypto exchange that has been registered and supervised by OJK, INDODAX considers that strengthening regulation and literacy are two important elements in building a more mature digital asset industry. In addition to continuing to strengthen the security and transparency of the platform, INDODAX is also actively encouraging education through various literacy programs to help people understand the potential and risks of investing in crypto assets more wisely.
"In the end, the digital asset industry including crypto is not only about technology or transaction growth, but also about how to build a sense of security and trust for the community. We believe that a healthy ecosystem can only be created when innovation goes hand in hand with consumer protection, education, and good governance," added Aloysia.
Looking ahead, INDODAX sees that the growth of the Indonesian digital asset industry will increasingly be determined by the ability of industry players to maintain a balance between innovation, consumer protection, and good governance. With the support of increasingly mature regulations and collaboration between regulators and the industry, INDODAX is optimistic that Indonesia's digital financial ecosystem can continue to grow healthily, inclusively, and sustainably.
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