Taking into account the progress of technology and digital financial innovation (“DIF”) that cannot be ignored and needs to be managed in order to provide the greatest possible benefits for the benefit of the community, and considering the need for deeper direction on IF to produce innovations that are responsible, safe, prioritize consumer protection and have well-managed risks, the Financial Services Authority (“OJK”) stipulates OJK Regulation No. 13/POJK.02/2018 concerning Digital Financial Innovation in the Financial Services Sector (“POJK 13”)