On the other hand, Indonesia faces some challenges regarding the implementation of digital financial inclusion such as cash based mindset, lack of information of non-cash instrument, limited interconnection, coordination amongst stakeholders, and lack of infrastructure. 8. Regarding the challenges as mentioned, Indonesia has high concern to increase financial access, especially for unbanked and underbanked, through the financial inclusion policy.
Financial  2  inclusion policy will eliminate the barriers for people to reach financial access. Ladies and gentlemen, III. PRESIDENTIAL DECREE NO. 82 YEAR 2016 REGARDING NATIONAL  STRATEGY  OF  FINANCIAL  INCLUSION  ON  SEPTEMBER 1ST 2016 9.