JAKARTA - Life in the digitalization era today has made it easier for many things. Everyone can do anything via cellphone. Starting from food orders, shopping, to financial matters, a sense of security is the main key.
The comfort in transacting turns out to start from a strong, safe, and comfortable digital ecosystem. Without security, all conveniences can turn into losses.
"AFTECH initiated IDBS to encourage a strategic partnership that can be replicated across sectors between digital banks, fintech, regulators, and the real sector," he said, Chairman of AFTECH, Pandu Sjahrir, from an official statement from Fintech Indonesia.
According to Pandu, this year there are three big focuses that will directly impact daily life, namely protection from digital fraud, financial services that are inclusive to MSMEs and people who have not been reached, as well as long-term cooperation so that everything can run continuously.
"Believed digital finance will serve as the fundamental foundation for safe, fair, and sustainable economic growth," he stressed.
Meanwhile, Deputy Chairperson II of AFTECH, Budi Gandasoebrata, added that in order to really make people comfortable in digital transactions, there are three pillars that must be carried out simultaneously, namely adaptive rules, responsible innovations, and public education so that people are not easily trapped in fraud.
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"First, we need adaptive and risk-based regulations and supervision so that innovation does not sacrifice security," explained Budi.
"Second, digital innovation such as AI and open finance must be carried out in an accountable manner with strong governance. Third, public education and anti-scam campaigns must be carried out in an integrated cross-platform and regulatory manner. All of this is an absolute requirement so that public trust in the digital financial sector is maintained," he added.
In the discussion, the speakers also emphasized that protecting the public from digital fraud cannot be done alone. All parties, from regulators, technology providers, to financial institutions, must share data and intelligence so that people do not become victims.
The role of digital identity providers is also considered important. They ensure that someone's identity in cyberspace remains valid and safe, so that we can be more confident when transacting.
"Building digital trust is not only a matter of technology, but also collaboration and compliance. With a digital identity that is legal and recognized by the state, the public and industry can transact more safely and confidently," said Marshall Pribadi.
It is undeniable that artificial intelligence (AI) is now a double-edged sword. On the one hand, it helps innovation, on the other hand it can be used for increasingly sophisticated digital attacks. However, AI is also relied on to counter this threat.
"Talking about cybersecurity, talking about AI, of course we have to be prepared with AI-based attacks, so how do we deal with them? Yes, of course with AI too." said Edit Prima of BSSN.
Interestingly, all these efforts actually lead to one thing, namely making the life of digital people more comfortable. Starting from MSMEs that can access financing easily, to daily users who can calmly make transfers, pay with QRIS, or just online shopping without fear of being deceived.
In the end, a safe digital lifestyle belongs to everyone. With synergy, technology, and education, we can go more freely in the digital world, not just following trends, but really feeling free from fraud and believing every transaction is safe.
The English, Chinese, Japanese, Arabic, and French versions are automatically generated by the AI. So there may still be inaccuracies in translating, please always see Indonesian as our main language. (system supported by DigitalSiber.id)
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