JAKARTA, OborDewata.com – The Financial Services Authority (OJK) continues to bolster the development of the Technology Innovation in the Financial Sector, Digital Financial Assets, and Crypto Assets (IAKD) ecosystem. This is achieved by strengthening the regulatory framework, governance, consumer protection, and collaboration with all stakeholders to foster a safe, high-integrity, innovative, and sustainable digital financial industry.
This was stated by the Chair of the OJK Board of Commissioners, Friderica Widyasari Dewi, during the National Symposium and Stakeholder Consultation Forum on the Development and Strengthening of Technology Innovation in the Financial Sector, Digital Financial Assets, and Crypto Assets (IAKD). The event was organized by OJK in collaboration with the Indonesian Blockchain Association (ABI), under the theme “Strengthening the Regulatory Foundation and Ecosystem Collaboration Towards an Innovative, High-Integrity, Safe, and Sustainable IAKD Industry” in Jakarta on Thursday.
In her remarks, Friderica noted that the rapid advancement of technology, ranging from artificial intelligence to asset tokenization, opens up immense opportunities for the development of the financial sector.
”Naturally, amid today’s rapid technological advancements, from artificial intelligence to asset tokenization, we are faced with various challenges to ensure that innovation continues to thrive while consistently and permanently safeguarding market integrity, consumer and public protection, and, of course, maintaining the stability of our financial system,” Friderica said on Thursday (7/2/2026).
The development of technological innovation in the financial sector, Friderica continued, also presents new challenges that require an adaptive regulatory framework, good governance, robust consumer protection, and close collaboration among regulators, industry players, academia, the media, and all relevant stakeholders.
According to her, the refinement of Law Number 4 of 2023 on the Development and Strengthening of the Financial Sector through Law Number 4 of 2026 demonstrates the state’s commitment to ensuring that the financial sector’s regulatory framework can keep pace with technological advancements and the shifting dynamics of business models. This refinement simultaneously reinforces governance, consumer protection, market integrity, and collaboration across the entire IAKD ecosystem.
Friderica also emphasized that developing safe and high-integrity digital finance is one of OJK’s eight strategic programs. This initiative is aimed at supporting financial market deepening, strengthening national development financing, developing MSMEs, boosting the green economy, and enhancing literacy, financial inclusion, consumer protection, and integrity enforcement within the financial services sector.
OJK records show that in the IAKD sector, there are currently eight registered Alternative Credit Scoring (PKA) providers and 17 registered Financial Services Aggregators (PAJK). The number of PAJK users has reached 18.29 million, while the total consumer hits on PKA platforms reached 130.78 million. Partnerships between Financial Sector Technology Innovation (ITSK) providers and financial services institutions also continue to rise, reaching 1,346 partnerships.
In the digital financial assets and crypto assets sector, OJK has granted licenses to 26 Digital Financial Asset Traders, two Digital Financial Asset Exchanges, two Clearing and Guarantee Institutions, and two Depository Managers. The number of digital financial asset and crypto asset consumers also continues to grow, reaching 22.4 million.
On the same occasion, the Chief Executive of IAKD Supervision at OJK, Adi Budiarso, stated that to guide policies in the IAKD sector, OJK is currently drafting the 2026 – 2031 OJK IAKD Roadmap. This comes at the right momentum to build a visionary and adaptive direction for industry development, capable of addressing technological dynamics and national economic needs.
”We are committed to realizing an Indonesian Technology Innovation in the Financial Sector, Digital Financial Assets, and Crypto Assets ecosystem that is sovereign, has integrity, is adaptive, and affordable. This will strengthen national competitiveness, stimulate financial market deepening, and provide significant benefits to society and the national economy,” Adi said.
According to Adi, the roadmap is built upon four core principles: Affordability, Integrity, Agility, and Sovereignty, serving as the foundation for the future development of Indonesia’s IAKD ecosystem. The hope is that visionary policies will create a visionary market.
At the same event, the Vice Speaker of the House of Representatives (DPR RI) for Economics and Finance, Sari Yuliati, emphasized that the refinement of Law Number 4 of 2026 strengthens the foundation for the development of the national digital financial sector while maintaining a balance between innovation, financial system stability, and public protection.
”This legislation is intended to build a resilient financial ecosystem architecture. Its essence is to orchestrate an equilibrium or balance point between accelerated innovation, industry competitiveness—particularly the optimization of crypto digital assets—and comprehensively maintaining systemic stability and public protection,” Sari said.
Also present at the event were the Chairman of Commission XI of DPR RI Mukhamad Misbakhun, the Deputy for Cyber Security and Economic Encryption of BSSN Slamet Aji Pamungkas, the Deputy for Digital Creativity and Technology of the Ministry of Creative Economy/Creative Economy Agency Muhammad Neil El Himam, representatives from related ministries/institutions, industry associations, academics, practitioners, Financial Sector Technology Innovation (ITSK) providers, and Regulatory Sandbox participants.
Through the symposium and consultation forum, OJK, along with regulators, policymakers, industry players, academics, practitioners, and various stakeholders, gathered input for the formulation of the 2026 – 2031 OJK IAKD Roadmap. This included discussions on the development of asset tokenization and stablecoins, taxation of digital financial assets, strengthening cybersecurity, Over-the-Counter (OTC) transactions, and the development of the Single Investor Identifier (SID). mas/sathya
