The digital identity pilot enables supervised financial participation and literacy among teenagers aged 13 to 17.
Among Indonesia’s younger population, digital payment access remains uneven despite progress in national financial inclusion. According to a 2025 survey by the Financial Services Authority, youth aged 15–17 had an inclusion index of 74% — below the national average of 80.51% — largely because they lack the electronic ID card required for formal financial registration.
To address this, Indonesia’s Ministry of Home Affairs and population registry authorities have endorsed a pilot approach to extend secure electronic identity validation to younger citizens.
On 27 November 2025, digital finance platform DANA introduced an account tier that allows teenagers to register using their Child Identity Card (KIA) instead of an adult electronic ID, subject to parental supervision. The system was developed in line with Government Regulation Number 17 of 2025 on child data protection and aims to teach financial responsibility while maintaining strict data privacy standards.
The implementation involved several key technologies and frameworks:
- Integration of population database validation via the national digital identity infrastructure
- Application of electronic Know Your Customer (e-KYC) protocols tailored for minors
- Secure linkage between child and parent accounts under one household record
- Data access controls and parental monitoring via real-time notifications within the application
According to Vince Iswara, Chief Executive, DANA Indonesia, the initiative “creates a structured, supervised way for teenagers to begin learning how to manage digital transactions responsibly.” He added that the project complements the government’s inclusion roadmap, which targets 93% participation by 2029 under the current medium-term development plan.
Dr Handayani Ningrum, Director of National Population Data Integration, Indonesia Ministry of Home Affairs, said the system “demonstrates how identity verification for non‑ID‑card holders can be achieved securely while keeping parental oversight central to the process.”
Through the integration of youth identity data and financial account management, DANA contributes to Indonesia’s broader goal of building a trusted digital financial infrastructure that supports early-stage financial literacy and secure participation in the digital economy.
