Toward Indonesia Less Cash Society By Saiful Hidayat

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Information about Toward Indonesia Less Cash Society By Saiful Hidayat
Business & Mgmt

Published on November 10, 2008

Author: iful270

Source: slideshare.net

Description

Can we have Indonesia Payment Brand and National Payment Gateway ?

Toward Indonesia Less Cash Society Can We Have Indonesia Payment Brand and National Payment Gateway …..? by: Saiful Hidayat AVP. IT Service Strategy PT. Telekomunikasi Indonesia, Tbk FGD e-Business DEPKOMINFO , November 7th 2008

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Pay Now Debit Card and ATM Card (Online Authorization using PIN) Pay Later Credit Card (Online Authorization using Signature) Pay Before Micro Payment (Offline Authorization without PIN & Signature, Key Authentication Matching procedure)

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Micro Payment ICT Sub Systems 3C 3' < 3 'quot; <@& (.< ( 4 < 7 => ? ( (+ & (9 3 <+ quot; & quot; ( ( 3' =7C ' 9 ( 3 3 3( ( ( & + quot; , > (73 quot; + &=(+ , > ' > ' &@ 4' + quot; , A(, ' 4 ( 7 quot; 3 4 B ( 3 quot; ? ' /3D, 0 4 & 6 7 quot; quot; B quot; + C 9 & 3 3 < A quot; E( '

Role of Provider Base on Micro Payment Function Merchants ' ' ' ' ! quot; F/E Providers / / / / 0 Switching Provider 0 0 0 , + 3 ) , + , ' ' ' ' , + # 1 ' , /1 Banks Issuers Regulators ' , + + ) ) - + . ) quot; E( '

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Regulation Issues – PIN based or no PIN based quot; – Operating System Platform – Interoperability # ! – Business Process Policy – License Body – Evaluation

Standardization Issues ' 3 2 3 &( D /9 3 3 ( 0 2 4 ( 2 ( , ' ( 3 ( , 8 & 4

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DEPKOMINFO And Bank Indonesia Role quot; % + ' % + ' + quot; quot; ' -' 6 % 7, % 8 quot; + # quot; . ) 6 ' quot; + ' + 6 8/ 8# + & ' * , quot; ' -' 6 quot; ' ) 6 0 8 8& 8 + + ' quot; + quot; 3 . ' + 6+ ( % 96 # 6 -& , + . 9 + ' + & : + + quot; ' quot; E( '

DEPKOMINFO And Bank Indonesia Role $ $ % & ' ( ) * ) + , - $ )( ( . ( / )( 0( 0 . &. 0 0 0 . 0 ! - $ . . . . . 1 ) * $ ( $+ $ . 2 0 . 0 . 0 ! 3 ( $ - ' ' ( ( $ * 3 + quot; E( '

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License and Monitoring Role quot; E( '

Regulation Roadmap : :3 3 , 3 . . D C 3 ? /' 3 ' 3 3 ( , 3 3 quot; ( : . : ( 3 3 & ? , ( ' 3 ( 7 3 : ( ' 3 ( ( ( : : 3 : ( /' 0 ' ( ( ( quot; . & /3 9 0 ( quot; ' + ( < = quot; E( '

Kesimpulan ( ! $ . ( / – Penggunaan “Brand Nasional” pada APMK yang digunakan untuk pembayaran lokal – Definisi transaksi elektronik keuangan dan hasil transaksi elektronik keuangan dapat dijadikan alat bukti yang sah – Perlindungan komsumen dan penyelengara Transaksi keuangan elektronik – Penyelengaraan transaksi elektronik khususnya transaksi elektronik keuangan diatur lebih lanjut oleh pemerintah (BI-DEPKOMINFO) * ( + ( * +( $ , / – Guidance untuk membangun Brand Nasional ” Pemegang Brand dan Skema Bisnis” untuk pembayaran lokal menggunakan kartu debit/atm – Kartu Pra Bayar (Micro Payment) : • Standard Skema Micro Payment Nasional (Menjamin Compatibility/Interoperability, Security dan Kehandalan Sistem) • Mengatur tentang proses perijinan dan pengawasan serta lembaga yang melaksanakan perijinan, pengawasan dan sertifikasi. • Proses Bisnis dan Prosedur untuk Technical & Commercial Issuer, Transaction Process, Sending Data Transaction, Settlement and Reconciliation dan Customer Care Handling quot; E( '

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