Indonesia is the largest digital financial services market in Southeast Asia and a G20 economy navigating one of the world’s fastest DFS growth trajectories. With over 278 million consumers increasingly reliant on mobile money, digital lending, instant payment systems, and crypto assets — many without adequate regulatory protection — Indonesia represents both the scale of the global challenge and the urgency of the policy response needed.

Consumer harms in digital finance do not respect borders. Fraud networks, predatory digital lending, deceptive onboarding practices, and cross-border payment failures are growing faster than any single country’s regulatory framework can address. The consumers most exposed are often the most financially vulnerable — those newly included in the digital financial system with the least recourse when things go wrong.

This is why a globally coordinated policy response matters. Consumer organisations in every country are fighting the same battles — often alone, without shared frameworks, without common evidence, and without collective leverage when engaging their national regulators.

Indonesia’s position as a regulatory convening authority — through OJK, BI, Kemenkeu, Kemendag, and Kemenlu — gives TIPF 2026 the institutional grounding to produce recommendations that carry real weight. The Forum’s Outcome Document is designed to be well-timed for sharing with the FinCoNet host prior to FinCoNet 2026 — making Jakarta in August the most strategically important gathering for consumer organisations before the global supervisory agenda is set.