To increase the effectiveness and efficiency of transaction, Indonesia supports the interoperability and interconnectivity among payment infrastructure. 16. In order to increase financial access, Bank Indonesia implement financial inclusion program. Most of our financial inclusion programs are developed based on digital technology. As a main access is Digital Financial Services (DFS) and develop ecosystem through electronification.
Both programs are implemented through sectoral approach, such as electronic Government to People (G2P) assistance, People to Government payment, especially public services,  electronification  for  migrant  worker  and  fisher  community, and electronic payment in smart city. 17.