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Enacted amidst rapid financial digitalization, this decree replaced outdated central bank regulations (PBI) to empower banks to operate purely through digital channels without extensive physical branch networks, provided they meet exhaustive IT security resilience architectures.
pojk-22-2020•Canonical URL: /regulation/pojk-22-2020Enacted amidst rapid financial digitalization, this decree replaced outdated central bank regulations (PBI) to empower banks to operate purely through digital channels without extensive physical branch networks, provided they meet exhaustive IT security resilience architectures.
Modal disetor untuk mendirikan Bank ditetapkan paling sedikit Rp3.000.000.000.000,00 (tiga triliun rupiah). Bank wajib memelihara kecukupan modal sesuai dengan ketentuan rasio profil risiko yang diatur OJK.
Bank dapat menyelenggarakan Layanan Perbankan Digital dan bertindak sebagai Bank Digital dengan kewajiban menerapkan manajemen risiko teknologi informasi yang komprehensif, perlindungan data nasabah, dan sertifikasi keamanan rekayasa lunak.
Pelanggaran terhadap persyaratan modal minimum atau kelalaian pelaporan insiden siber dikenakan sanksi administratif berupa teguran tertulis, pembatasan kegiatan usaha tertentu, hingga pencabutan izin usaha Bank.
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