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Policy Recommendations for Policymakers

As we move forward with digital identity and e-KYC initiatives, it’s essential to consider the following policy recommendations for policymakers.

1. Invest resources in a robust e-KYC infrastructure

Enhance the national ID database to facilitate digital identity and e-KYC transactions at scale.

2. Define rules of engagement for the private sector

Make digital identity and e-KYC services available to private players with standardized set of rules of engagement.

3. Pricing of solutions to encourage adoption

Adopt a pricing strategy that encourages adoption, such as making it a public good or charging nominal fees.

4. Ensure protection of customer data

Establish a personal data protection law to ensure verification services adhere to mandated data protection protocols.

Key Points

• The government should invest in cost-effective and device-agnostic authentication infrastructure for biometric matching.
• A tiered cost structure can enable different levels of access, with estimated costs per request as follows:
  • Authentication service: IDR 400-800 (USD 0.03-0.05) per query
  • E-KYC: IDR 4,000-7,000 (USD 0.28–0.47)
• The government can consider making digital identity services a public good or charging nominal fees.
• A personal data protection law should be established to ensure verification services adhere to mandated data protection protocols.

Examples of Pricing Protocols in Other Countries

Here are some examples of pricing protocols from other countries:

• India: Free for the public sector and nominal charges for the private sector
• Malaysia: Nominal charges for both the public and private sectors
• Pakistan: Nominal charges for both the public and private sectors
• Thailand: Free for both the public and private sectors

I hope this summary helps! Let me know if you have any further questions.