Graph 43. Development of Digital Bangking Grafik 45. Perkembangan Digital Banking IDR Thousand Trillion  45  48.6  40  40.0  35 30 25 20  27.3  27.4  2019  2020  21.9 17.1  15 10 5  The various payment system digitalization programs (above) are accelerating and integrating the national digital economy and finance today and moving forward.
There has been a significant increase in the volume of cross-border securities transactions. In the case of Germany, for example, turnover in cross-border securities transactions amounted to almost 600% of GDP in 2005 – which is 80 times more than 25 years ago. The sharp increase in global foreign exchange market transactions is a further major indicator of globalisation in the financial sector.