OJK Drafts 2026-2031 Roadmap for Digital Finance and Crypto Assets
Jakarta (ANTARA) - The Financial Services Authority (OJK) is drafting a roadmap for the financial technology innovation, digital financial assets, and crypto assets (IAKD) sector for the 2026-2031 period to develop an industry that is visionary, adaptive, and supportive of the national economy.
“We are committed to realising an IAKD ecosystem that is sovereign, has integrity, is adaptive, and affordable to strengthen national competitiveness, stimulate financial market deepening, and provide greater benefits to society and the national economy,” said OJK Chief Executive for IAKD Supervision Adi Budiarso in a statement on Thursday.
Adi said the roadmap is based on four main principles as the foundation for developing Indonesia’s IAKD ecosystem. These four principles are affordability, integrity, agility, and sovereignty. Visionary policies are expected to create a visionary market.
On Thursday (2/7), OJK together with the Indonesian Blockchain Association (ABI) held a National Symposium and Stakeholder Consultation Forum on IAKD Development and Strengthening. Through the symposium and consultation forum, OJK, together with regulators, policymakers, industry players, academics, practitioners, and various stakeholders, gathered input for the preparation of the OJK IAKD Roadmap 2026-2031. This includes input on the development of asset tokenisation and stablecoins, digital financial asset taxation, strengthening cybersecurity, over-the-counter (OTC) transactions, and the development of a single investor identifier (SID).
Chairman of the OJK Board of Commissioners Friderica Widyasari Dewi reminded that rapid technological developments, from artificial intelligence to asset tokenisation, open up great opportunities for the development of the financial sector. “Of course, amidst today’s rapid technological advancements, from artificial intelligence to asset tokenisation, we are faced with various challenges to ensure that innovation must continue to grow, but we must always maintain market integrity, consumer and public protection, and of course maintain the stability of our financial system,” said Friderica.
Friderica continued that the development of financial technology innovation also presents new challenges that require an adaptive regulatory framework, good governance, strong consumer protection, and close collaboration between regulators, industry, academia, the media, and all stakeholders. According to her, the refinement of Law Number 4 of 2023 concerning Financial Sector Development and Strengthening (P2SK) through Law Number 4 of 2026 demonstrates the state’s commitment to ensuring the financial sector regulatory framework can keep pace with technological developments and evolving business model dynamics. This refinement also strengthens governance, consumer protection, market integrity, and collaboration across the entire IAKD ecosystem.
Friderica also emphasised that the development of a secure and integrity-driven digital financial sector is one of OJK’s eight strategic programmes. The programme is directed at supporting financial market deepening, strengthening national development financing, developing MSMEs, promoting a green economy, and enhancing financial literacy, financial inclusion, consumer protection, and integrity enforcement in the financial services sector.
In the IAKD sector, OJK noted there are currently eight registered alternative credit scoring (PKA) providers and 17 financial aggregation (PAJK) providers. The number of PAJK users reached 18.29 million, while total consumer hits on PKA platforms reached 130.78 million. Furthermore, partnerships between financial technology innovation (ITSK) providers and financial services institutions also continue to increase, reaching 1,346 partnerships.
In the digital financial assets and crypto assets sector, OJK has granted licences to 26 digital financial asset traders, two digital financial asset exchanges, two clearing and guarantee institutions, and two depository managers. According to OJK, the number of digital financial asset and crypto asset consumers also continues to grow, reaching 22.4 million.