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LinkAja partners with government on citizens data sharing
A 2019 report by American telecommunications company Verizon showed that in 86 countries, out of the 2,013 data breach incidents, 927 were found in the financial industry.
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Director of data utilization and population for the Home Ministry's Population and Civil Registration Directorate General, Gunawan (left), and electronic payment platform LinkAja director of operations Haryati Lawidjaja pose at the launch of a cooperation on data sharing between the two institutions on Jan. 17. (JP/Dzulfiqar Fathur Rahman)
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lectronic payment platform LinkAja has signed a partnership agreement with the Home Ministry on citizens data sharing to improve the fintech operator’s verification process.
LinkAja director of operations Haryati Lawidjaja said the partnership with the ministry’s Population and Civil Registration Directorate General would enable the payment platform to corroborate clients’ information through an online platform with data registered through the government. The directorate general then provides feedback data confirming whether the clients’ information is correct.
LinkAja, established in July last year, uses citizens identity numbers (NIK) in its electronic know your customer (e-KYC) system. Prior to this cooperation, LinkAja, which has over 40 million users and 250,000 merchants nationwide, used to verify its clients' data with ID card photos.
"We hope this effort to enhance the quality and effectiveness of verification can improve users' security and convenience in carrying out digital transactions," said Haryati Lawidjaja, LinkAja director of operations, at the launch of the initiative on Jan. 17.
LinkAja was founded by Fintek Karya Nusantara (Finarya), a consortium of seven state-owned enterprises including lenders Bank Mandiri, BRI, BNI, BTN, energy giant Pertamina, insurer Asuransi Jiwasraya and telecommunications operator Telkomsel. It uses Telkomsel’s TCash infrastructure backbone for operations.
LinkAja joins more than 2,000 other institutions, including banks, insurers and cooperatives, in utilizing the government’s database. The directorate general database covers 191 million adults in Indonesia, nearly all 193 million adults across the country.
The directorate general has partnered with, among others, 392 higher education institutions, 124 banks and 65 non-bank financial institutions on similar data sharing cooperation.
