Bank Indonesia Launches Payment System Data Infrastructure (IDSP) With Phased Rollout to 2028
Announced at the National Fintech Month press conference on 11 November, IDSP comprises BI-Payment ID, BI-Payment Info and BI-Payment Clear, backed by PBI 10/2026, with early priorities on fraud detection and transaction-data credit scoring.
Bank Indonesia has announced the implementation of the Payment System Data Infrastructure (IDSP) in stages from November 2026 to 2028. Speaking at the National Fintech Month 2026 press conference on 11 November, BI officials described three components: BI-Payment ID, a unique identity for payment system actors; BI-Payment Info, data exchange between institutions including a shared fraud database; and BI-Payment Clear, transaction validation and protection. The framework rests on PBI No. 10/2026 on payment system data regulation, with early priorities set on fraud detection and on credit scoring developed from transaction histories.
The backdrop is steep growth: digital transaction volume rose from 8 billion in 2020 to 63.8 billion in 2026, projected to reach 266.1 billion by 2032. BI identifies fragmentation of fraud databases between institutions as the main obstacle to scam prevention, which the shared database is designed to fix. Legal analysis of the regulation indicates data-submission deadlines of around one year for affected institutions, with earlier fraud-policy deadlines for designated payment service providers.
With named components, a legal basis and a calendar, IDSP moves from policy discussion to operational infrastructure. Payment institutions face concrete compliance workstreams through 2027, from data mapping and connectivity to fraud-policy documentation, and smaller non-bank payment firms are generally the least prepared.