Bank Indonesia Rolls Out Payment Data System to Fight Fraud

Bank Indonesia (BI) will begin rolling out a new Payment System Data Infrastructure, known by its Indonesian initials IDSP, this month to strengthen fraud detection, guard against cybercrime and widen financial inclusion, a senior central bank official said on Wednesday (Nov 11), according to Liputan6.

Ryan Rizaldy, head of BI’s Payment System Policy Department, said the system will be introduced in stages from November 2026 through 2028 so that the industry and the public have time to adjust. He was speaking at a press conference in Jakarta to launch National Fintech Month (Bulan Fintech Nasional) 2026.

Three parts of the system

According to Ryan, IDSP has three main components. BI Payment ID will serve as a unique identity for payment system participants, BI Payment Info will act as a channel for exchanging data, and BI Payment Clear will validate and screen transactions.

BI said it will give priority to stronger fraud detection and better use of transaction data through the infrastructure. The system is also meant to make it easier for industry players to share information, cutting the data fragmentation that BI said has held back efforts to prevent fraud, cybercrime and scams.

Ryan said fragmented information, particularly on fraud databases, has to be removed, and that there needs to be a single point where banks and developers can share fraud data.

Beyond fraud prevention, Ryan said IDSP could support the digital distribution of social assistance and the development of credit scoring based on transaction histories.

He cautioned, however, that the infrastructure is not the only answer to every digital crime risk.

What’s next

BI said the need for stronger payment system security is rising as digital transactions grow. It recorded a sevenfold increase in the volume of digital economic and financial transactions, from 8 billion in 2020 to 63.8 billion in 2026.

The central bank projects the volume will reach 266.1 billion transactions by 2032, driven by demographic shifts, digital innovation including artificial intelligence, and greater cross-border payment connectivity.

Ryan said the growth of the digital payment ecosystem must go hand in hand with stronger security and consumer protection, adding that fintech firms need closer collaboration with regulators so that innovation raises efficiency without ignoring transaction risks.

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