Jakarta, INTI – In an exclusive interview conducted directly by the INTI Media team on February 28, 2025, Madam Angelika Putri, Founder and Secretary General of the Indonesian Payment Gateway Association (APGI), shared her insights on the development of the payment gateway industry in Indonesia. With extensive experience in fintech, Madam Angel plays a crucial role in shaping a more secure, efficient, and standardized digital payment ecosystem.
Career Journey and Role in the Payment Gateway Industry
Madam Angel is the Founder and Secretary General of the Indonesian Payment Gateway Association (APGI), an organization that represents various companies in this sector. Initially, Madam Angel entered the e-money industry, where she worked directly with banks before the concept of payment gateways evolved. As the demand for diverse payment methods—ranging from virtual accounts to e-wallets—grew, the need for a bridge connecting multiple funding sources became apparent.
In 2012-2013, there were only about 2-3 payment gateway companies in Indonesia. However, over time, the industry has rapidly expanded, and today, more than 25 companies have joined APGI. Madam Angel took the initiative to collaborate with companies in this field to build a better and more standardized ecosystem.
What Is a Payment Gateway and How Does It Work?
A payment gateway is a system that connects users with various payment methods. When shopping online and receiving a virtual account code for payment, the system behind this process is the payment gateway. Its function is to link users to different payment options, whether from banks or e-wallets.
As an evolving industry, payment gateways must have official Bank Indonesia (BI) licenses to operate legally. APGI plays a crucial role in maintaining industry standards and ensuring security in every digital transaction.
Regulations and Security in Payment Gateways
In the fintech industry, security is a top priority. According to Madam Angel, the security standards applied in licensed payment gateways include PCI DSS, 3D Secure, and fraud detection systems. These standards are designed to protect user data from cybersecurity threats. Unfortunately, some companies claim to be payment gateways but operate without official BI licenses. Therefore, APGI provides information about verified payment gateway companies through its official website, allowing users to choose safe and reliable services.
The Future of the Payment Gateway Industry in Indonesia
Madam Angel believes that Indonesia's payment gateway ecosystem will continue to grow alongside the expanding digital economy. With stricter regulations and technological advancements in fintech, payment gateways will become key elements in facilitating faster, more secure, and more efficient digital transactions.
As a leader in this industry, Madam Angel remains committed to supporting the development of the payment gateway ecosystem, driving innovation, and ensuring that security and regulatory standards are upheld for the benefit of both users and the industry as a whole.
Conclusion
With the rapid growth of digital transactions in Indonesia, the role of payment gateways is becoming increasingly crucial in creating a secure and standardized ecosystem. Through APGI, Madam Angel serves as a catalyst in strengthening industry regulations and security. With a strong vision and close collaboration among companies, the future of payment gateways in Indonesia looks promising, opening up opportunities for a more inclusive and innovative digital economy.
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