Shared Infrastructure Is Becoming the Cornerstone of Payment System Resilience

Banjarmasin — As digitalization accelerates across the financial sector, risks to Indonesia’s national payment infrastructure continue to grow—both in terms of technical vulnerabilities and the rising intensity of cyberattacks. The industry is entering a stage where innovation can no longer advance without equally strengthening security governance. Even minor disruptions now have the potential to significantly impact service stability and public trust.

To address these challenges, the South Kalimantan Provincial Office of Bank Indonesia hosted the “Cyber Risk Management & Resilience Seminar 2025,” a dialogue forum designed to enhance coordination, deepen risk understanding, and map strategic measures to reinforce cyber resilience within the payment system sector. The event brought together industry players, regulators, banking institutions, and associations involved in the national payment ecosystem.

PT Jalin Pembayaran Nusantara (“Jalin”) participated as a speaker, represented by Aries Fajar Kurnia, SVP of Infrastructure & Security Management, who delivered a presentation titled “Building Cyber Resilience in the Digital Era.” In his session, Jalin emphasized that today’s evolving threat landscape requires a paradigm shift. Cybersecurity can no longer be developed in silos; an increasingly interconnected payment ecosystem demands a collective security model driven by standardization, interoperability, and cross-industry collaboration.

Jalin highlighted that shared services and shared infrastructure are becoming strategic solutions to these challenges. This approach enables the industry to optimize substantial security investments, reduce system duplication, and maintain operational efficiency. A centralized and standardized structure strengthens overall security quality, accelerates incident response, and significantly reduces systemic risk. It also allows institutions to focus on developing their core business, while security foundations are managed in a more coordinated and professional manner.

The seminar also featured representatives from the Indonesian Payment System Association (ASPI) and other stakeholders. The multi-stakeholder dialogue underscored that cyber resilience must be a shared agenda. Regulators, banks, associations, and payment infrastructure providers each play a complementary role in ensuring that every link in the payment service chain remains secure, stable, and resilient against potential disruptions.

Jalin expressed its appreciation for the invitation and leadership of the South Kalimantan Provincial Office of Bank Indonesia in organizing this strategic forum. The initiative reflects the regulator’s strong commitment to strengthening the industry’s readiness to face digital threats, while promoting alignment in policy, technical standards, and operational implementation across the payment ecosystem.

As a national enabler, Jalin reaffirms its commitment to continuously support the reinforcement of Indonesia’s payment infrastructure, ensuring it remains resilient, reliable, and adaptable. With extensive experience managing national switching services, Jalin believes that the future of Indonesia’s payment system will be stronger when built upon a collective security model—one that integrates technology, governance, and cross-sector collaboration on an ongoing basis. This foundation is essential for developing a digital economy that is secure, inclusive, and globally competitive.