TL;DR
Indonesia's fintech regulatory landscape in 2025 is governed by a multi-layered framework overseen by Bank Indonesia (BI) and the Otoritas Jasa Keuang
The Facts
Indonesia's fintech regulatory landscape in 2025 is governed by a multi-layered framework overseen by Bank Indonesia (BI) and the Otoritas Jasa Keuangan (OJK). The sector covers payment systems, peer-to-peer lending, equity crowdfunding, and digital banking. Key regulations include OJK Regulation No. 10/POJK.05/2022 on fintech lending and the Payment System Law (UU No. 23/1999 as amended). Indonesia's fintech market remains one of Southeast Asia's largest, with over 100 licensed P2P lenders and
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