Nevertheless, we needs to remain vigilant about a number of challenges, including the rapid development of digital technology, which necessitates high investment costs, the scarcity of human resources, and cyber risks, as well as the rapid penetration of global financial digital players and the demands of international cooperation.
In this regard, payment system policy in 2023 will continue towards accelerating and strengthening the integration of the national economic-financial digital ecosystem according to the first vision of the BSPI 2025, namely to be stronger and more competitive in international  Payment System Policy Direction Payment system policy in 2023 will continue to be directed towards accelerating payment system digitalization for further integration in the national economic-financial digital ecosystem, developing Digital Rupiah, as well as expanding cross-border payment system cooperation.