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JAKARTA - The Financial Services Authority (OJK) continues to encourage the development of the digital economy in Indonesia through the development of digital finance that is inclusive. In addition, OJK will also prioritize consumer and public protection to support the realization of this.

In the midst of these developments, the OJK has obtained force through Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector (UU P2SK) in the form of affirming the role of supervising the behavior of financial service business actors (market contacts), as well as strengthening the role of OJK in education and financial literacy that is able to respond to changes in people's preferences towards digital.

"Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector or the P2SK Law provides a new mandate to the OJK regarding the supervision of technological innovation in the financial sector," said Chief Executive of the Behavior Supervisory of Financial Services Business Actors, Education and Consumer Protection OJK Friderica Widyasari at the Indonesian Financial Literacy Conference 2023 event in Jakarta, on Friday, July 21.

The woman who is often called Kiki said, OJK has developed a regulatory technology system and surveillance technology, which will support the supervision of the behavior of financial services business actors, especially when offering digital financial products or services to consumers.

In addition, OJK has also implemented the preparation of digital financial literacy modules, both through the Your Attitude application and learning management system platforms in various forms, such as games, videos, books and others.

Furthermore, said Kiki, to support more equitable financial inclusion in Indonesia, his party has optimized the role of the Regional Financial Access Acceleration Team (TPAKD) to be able to support the availability of financial services, including digital financial services that suit the needs and capabilities of the community.

"Currently, there are 494 TPAKD in 34 provinces and 460 at the district/city level," he said.

Not only that, Kiki said, the authorities also simplify and provide easy and cheap financing alternatives for MSMEs with digitization in various financial activities, one of which is through the Financing Credit Against Moneylenders (KPMR) program which is also a financing credit to micro businesses that are small with fast, easy and low-cost processes.

Even so, OJK ensures that the increase in digital financial inclusion and digital financial literacy is carried out by not forgetting the consumer protection aspect in accordance with the mandate of the P2SK Law, so that digital financial inclusion is achieved that is responsible and financial empowerment is in the form of equal business opportunities through digital platforms.

"In addition, OJK cooperates with 12 ministries/agencies through the Investment Alert Task Force to continue to encourage education to the public in order to ensure the legality of investment offers and digital loans they use," he added.


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