IT Audit – PJA ASPI registered

As Indonesia accelerates its national digital transformation, the country is building a payment system ecosystem that is both adaptive and inclusive. This transformation goes beyond the digitization of transactions—it strengthens governance, information system security, and risk management throughout the entire ecosystem.

Digital payment systems play a vital role as the backbone of a modern economy. They not only facilitate seamless and efficient financial transactions but also promote financial inclusion, enable innovation in financial services, and accelerate the growth of the digital economy. From everyday consumer purchases to complex business transactions, the reliability and integrity of digital payment systems are critical to sustaining public trust and economic momentum.

In this landscape, TÜV NORD Indonesia offers Information Technology (IT) Audit Services specifically for the Payment System sector, officially registered as an IT Audit Provider (PJA) by the Indonesian Payment System Association (ASPI). Our services help ensure that the digital payment infrastructure is secure, compliant, and resilient—supporting Indonesia’s vision for a connected and digitally empowered economy.
 

IT Audit services provide multiple strategic advantages, including:

• Regulatory Compliance
  Demonstrates adherence to BI, OJK and ASPI policies and technical standards.
• 2. Enhanced Information Security
  Identifies vulnerabilities and suggests mitigation measures.
• 3. Operational Efficiency
  Assesses the effectiveness of IT processes and systems.
• 4. Increased Stakeholder Trust
  Through independent assurance of system reliability and data protection.
• 5. Stronger IT Governance
  With clear visibility of organizational structure, roles, responsibilities, and controls.

Indonesia’s payment ecosystem is composed of various interconnected entities that facilitate seamless financial transactions. The key players include:

• Payment Service Providers (PJP).

  Payment Service Providers (PJP / Penyedia Jasa Pembayaran), which are banks or non-bank institutions that offer services to facilitate payment transactions for users. Bank or non-bank services such as e-wallets, card payment services, fund transfer platforms, and QR-based payment solutions.

• Payment System Infrastructure Providers (PIP).

  Payment System Infrastructure Providers (PIP / Penyelenggara Infrastruktur Sistem Pembayaran), which are entities that provide infrastructure used to transfer funds on behalf of their members. Responsible for switching, clearing, and settlement services.

• Bank Indonesia (BI)

  Acts as the central regulator, setting policies, rules, and standards for the national payment system.

• ASPI (Indonesian Payment System Association).

  To ensure coordination and industry compliance, Bank Indonesia designates a Self-Regulatory Organization (SRO) in the payment system sector. The Indonesian Payment System Association (ASPI) acts as this SRO—a legally established institution that represents industry players and supports the governance and development of a reliable payment system in Indonesia. Coordinates the players in the ecosystem and sets technical guidelines such as IT audit standards.