Development of BSPI 2025  DIGITAL BANKING TRANSFORMATION  9  Prime Lending Rate (rhs)  Source: Bank Indonesia, OJK  2  7  2022  Source: Bank Indonesia  INTEGRATION OF NATIONAL DIGITAL ECONOMY AND FINANCE  5  Overhead Cost  Cost of Funds for Credit  1  10 8  3.37  1  -1.46  -2.0  12  Regulation of Member of Board Governers (PADG) concerning Open API Payment National Standard  NATIONAL STANDARD ON PAYMENT SYSTEM  1.
Encouraging interconnection, interoperability, and compatibility 2. Encouraging interlinks between banks and ﬁntech 3.