Developing a company in a digital ecosystem is certainly a challenge. We realize development a company cannot be separated from a number of expenses or investments that are intended for stepping forward. Especially during this pandemic, we wonder if e-KYC is a waste of money? In the other hand, a smart move.
The Coordinator of Electronic Certification Governance, Directorate General of Information Applications at the Ministry of Communication and Informatics, Martha Simbolon, Ministry of Communication and Information (Kemenkominfo) urges the public to start using the system to fight fraud with other efficient system in technological sophistications.
Martha stated that e-commerce transactions in Indonesia are still prone to being exploited by fraudsters. Kominfo data indicates that fraud in e-commerce transactions is tremendous during the pandemic. The fraud rate reached 35%, of which 26% were victims of online financial fraud.
"The ongoing pandemic in the world requires business actors to transform their activities through online digital means, meanwhile entering the pandemic period, the level of fraud in the digital ecosystem in Indonesia is increasing and as a result 57% of Indonesian people believe online transactions are prone to fraud. To address this, a mechanism that touches on the aspects of users and systems that can guarantee the security of electronic transactions needs to be present and its implementation is encouraged, "said Martha.
The use of an electronic (digital) identity system that is an official identifier and complies with applicable laws in the Republic of Indonesia in online transactions has become an urgent need at this time.
One of the most interesting things to implement in Indonesia is Singapore's national digital identity system. The system, called My Info, is a digital personal data management service system supported by the government to support various transactions and purposes, both for government administrative purposes and to access private company business services.
There are two types of data and information managed by the system. First, namely data that is already available to government institutions such as population data (name, date of birth, gender, others), biometrics (fingerprints and others), ownership of assets and vehicles and various other data. The data will be automatically filled in the individual's profile. Second, the data entered by the user himself. An example of this data is data related to education and work.
The system was introduced in 2016 and currently can be used to access hundreds of services from 53 government institutions and 219 private company services. Government services that can be accessed include obtaining business permits, employment, national health insurance, and others. Meanwhile, business services provided by private companies include banking, insurance, telecommunications, transportation, and several other services.
Another reason that makes this system a smart move for a company, especially during this pandemic is that users no longer need to fill out forms or submit the same document for different purposes. For example, to open a bank account, currently My Info users in Singapore no longer need to come to a branch office, no need to fill in any personal data forms, and no need to even submit or scan any documents (including ID cards).
In Indonesia, if someone wants to open an account and apply for an online loan, he or she must fill in personal data, work and income. Then, to verify personal data, users are also required to scan and submit ID cards and other evidence documents and are generally asked to take selfies.
Learning from Singapore, Indonesian government can immediately implement this system. The presence of a national digital identity system is able to create a more efficient business climate and reduce the risk of fraud because the data and information available on the system have been verified by a system called the Joint Platform, initiated by Dukcapil as an authorized government agency.
Just like in Singapore, the users are increasing significantly every year because they feel the benefits directly with various conveniences and access to better government and private services.
Sistem identitas digital bisa tekan fraud di eCommerce