Policy

OJK Launches the 2024-2028 Roadmap for the Development and Strengthening of the Financial Sector Technology Innovation, Digital Financial Assets, and Crypto Assets (IAKD)


The Indonesia Financial Services Authority (OJK) launched the 2024-2028 Roadmap for the Development and Strengthening of Financial Sector Technology Innovation, Digital Financial Assets, and Crypto Assets (IAKD). This Roadmap builds upon the foundation set by the 2020-2024 Digital Finance Innovation Roadmap and Action Plan.

The Roadmap is designed with the mission to create a trusted and credible IAKD industry that supports the growth of the financial services sector and the national economy, while continuing to promote innovation, maintaining financial stability, and upholding consumer protection. The strategic goal of this Roadmap is to support the growth of a strong, balanced, inclusive, and sustainable IAKD sector. The shared vision is to realize an innovative, integrity-driven, and continuously evolving IAKD industry that prioritizes financial inclusion, and consumer protection, and contributes significantly to national economic growth.

The implementation of this Roadmap is divided into three main phases:

  • Phase 1: Strengthening Regulatory and Supervisory Foundations (2024-2025)
  • Phase 2: Accelerating Development and Strengthening (2026-2027)
  • Phase 3: Deepening and Sustainable Growth (2027-2028)

To achieve these objectives, OJK has outlined four key pillars to guide the strategy and work plan for the 2024-2028:

  • Regulation and Development
  • Supervision and Law Enforcement
  • Licensing and Information
  • Innovation

In executing the work plan from 2024 to 2028, efforts to achieve the vision and mission must be aligned with the development of several key enablers, including:

  • Institutional Capacity Transformation and Development
  • Infrastructure and Business Process Development and Strengthening
  • Institutional Synergy and Cooperation

This Roadmap is expected to serve as a guidance for the development of the IAKD industry, providing broader benefits not only for the financial services sector but also for supporting the national economy, deepening the financial services market, and providing wider financial access to businesses and the public.

Click here to download the 2024-2028 Roadmap for the Development and Strengthening of the Financial Sector Technology Innovation, Digital Financial Assets, and Crypto Assets (IAKD).