ENGAGING CONCRETE CUSTOMER EXPERIENCE STRATEGY WITH MOBILE APPLICATION FOR JOURNEY MAPPING

Servicing Mobile Users

in Indonesia

Bitcoin.co.id

“The latest results of the National Survey on Financial Literacy

and Inclusion (SNLIK) revealed that the financial literacy

increased to 29.7 percent last year from 21.8 percent in 2013.

Meanwhile, the financial inclusion index rose to 67.8 percent

last year from 59.7 percent.”

84,364,000 Indonesian still unbanked

550,000 members

Largest Digital Asset Exchange

in South East Asia

Payment Channel Bank

Convenience store

Post Office

87%

13%

Male Female

9%

43%

49%

> 20 yrs old 20 - 40 yrs old 40 < yrs old

Traders of Digital Asset in Bitcoin.co.id

Cryptocurrency Challenges in Indonesia

Unclear classification of cryptocurrency : commodity or currency

Get rich quick scams - Ponzy and Unlicensed MLM

Low level of understanding of Cryptocurrency technology

High percentage of unbanked people

Misunderstanding from Media and Regulators itself

Regulation from Bank Indonesia, No. 18/40/PBI/2016 regarding

The Settlement and Processing of Payment Transactions

Does Bank Indonesia forbid the use of Virtual Currency?

The central bank, Bank Indonesia, does not necessarily prohibit the use of virtual currency within

the country, but they do forbid fully-licensed PJSP to process payment transaction using virtual

currency. Virtual currency is not a legal method of payment in Indonesia and Bank Indonesia is

not and will not be held responsible for the risks arising from the use of virtual currency within the

society.

http://www.bi.go.id/id/peraturan/sistem-pembayaran/Documents/FAQ_PBI_184016.pdf

http://www.bi.go.id/id/peraturan/sistem-pembayaran/Documents/FAQ_PBI_184016.pdf

https://bisnis.tempo.co/read/1028051/bitcoin-bukan-alat-pembayaran-sah-bi-risiko-tanggung-sendiri

TEMPO.CO, Jakarta - Bank Indonesia menegaskan bitcoin BUKAN alat pembayaran. Direktur Eksekutif

Kepala Departemen Kebijakan Sistem Pembayaran Bank Indonesia (BI) Eny V. Panggabean mengatakan, sebagai bank sentral, pihaknya dengan tegas melarang penggunaan bitcoin sebagai

alat pembayaran.

"Bitcoin itu jelas kami larang, tapi kalau buat transaksi sendiri-sendiri, silakan saja, risiko tanggung

sendiri," ujar Eny pada Kamis, 26 Oktober 2017.

Walaupun bitcoin dilarang BI, Eny menyebut, sistem blockchain itu patut dikembangkan sebagai salah

satu inovasi. "Sampai saat ini, blockchain itu bukan uang dan tidak diakui, tapi memang menjadi salah

satu teknologi yang harus dikembangkan," tuturnya.

Blockchain adalah teknologi buku besar digital yang terdesentralisasi. Teknologi itu meliputi transaksi-

transaksi, serta bekerja dengan data yang diatur melalui serangkaian catatan yang disebut blok.

Sebelumnya, mantan Deputi Gubernur Bank Indonesia, Ronald Waas, mengimbau masyarakat berhati-

hati menyikapi peredaran mata uang virtual bitcoin yang semakin meluas. Menurut Ronald, hingga kini

Bank Indonesia tidak mengakui eksistensi bitcoin. "Bitcoin bukan alat pembayaran yang sah, hati-hati,"

katanya kepada Tempo pada Jumat, 5 September 2014.

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