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JAKARTA - Bank Indonesia (BI) believes its national payment gateway system, BI Fast, will be able to answer the challenges and needs of digital transactions in an increasingly diverse and increasing society.

The Head of the BI Payment System Policy Department, Filianingsih Hendarta, stated that from the start BI Fast was designed as an innovation for fast, easy, cheap and secure payment transactions for the entire community.

"We provide BI Fast as a retail payment that answers transaction needs at any time without space restrictions, which is certainly a game changer for the national digital payment ecosystem. When the bank is full, transactions will increase to 811 million transactions. But it's still below capacity full capacity, which is 50 percent of BI Fast's capacity," said Filianingsih, in Jakarta, as reported by Antara, Wednesday, March 9.

According to him, many people have started to switch to digital transactions because the existing technology infrastructure has been able to answer the need for fast, easy, cheap and secure services.

Currently, the payment service industry players are also starting to provide many programs and applications that really help the community. Beyond that, granular data is important to create more sustainable and effective payment service product innovations for the community.

"With these developments, we also have a very strategic plan for BI Fast. We will gradually develop debit transfers, requests for payments, and even electronic money, and even cross borders," said Filianingsih.

On the same occasion, BNI's Director of IT & Operations, YB Hariantono said that BI Fast was a breakthrough that was very beneficial for customers, especially in terms of transaction fees which reached Rp. 2,500 per transaction.

This digital service is expected to increase the volume of transactions which will later become a source of income for banks to continue to increase revenue in terms of more sustainable technology development.

"We can say that the average information technology investment of national banks is around four percent of total revenue. This technology capital expenditure is used to continue to increase the capacity and quality of digital banking services in Indonesia," he said.

Hariantono said the company had become the first bank group to implement BI Fast at the end of 2021. The company was actively involved in making system adjustments so that BI Fast implementation did not reduce the quality of customer retail transaction services that were already taking place.

"In the future, we will gradually move all retail transactions to BI Fast. We will accelerate with BI Fast," said Hariantono.


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