Penerapan Tata Kelola dan Manajemen Risiko Bagi Penyelenggara Inovasi Teknologi Sektor Keuangan

Short Review of OJK Regulation No. 30 of 2025 Regulation Overview: Otoritas Jasa Keuangan (OJK) Regulation No. 30 of 2025 establishes guidelines for the governance and risk management of financial technology service providers (Penyelenggara Inovasi Teknologi Sektor Keuangan - ITSK) in Indonesia. The regulation aims to enhance the performance of these providers, protect stakeholder interests, and ensure compliance with legal standards. Key Points: 1. Definitions: - ITSK: Financial technology innovations impacting financial products, services, and business models. - Penyelenggara ITSK: Entities providing ITSK with OJK business licenses. - Stakeholders: All parties with direct or indirect interests in ITSK operations. 2. Principles of Good Governance: - Transparency: Openness in operations and decision-making. - Accountability: Responsibility for actions and decisions. - Independence: Free from conflicts of interest. - Fairness: Equitable treatment of all stakeholders. 3. Risk Management: - Providers must implement effective risk management frameworks to identify, measure, control, and monitor risks. - Types of risks include operational, strategic, legal, compliance, reputational, and cyber risks. 4. Governance Structure: - Mandatory establishment of a board of directors and board of commissioners. - Regular evaluations of governance practices and adherence to regulations. 5. Reporting and Compliance: - ITSK must conduct self-assessments of governance practices and report findings to OJK. - OJK has the authority to evaluate compliance and mandate corrective actions. Prohibitions: 1. Interference by Shareholders: Shareholders must not interfere with the operational activities of ITSK, except through formal channels like the General Meeting of Shareholders (RUPS). 2. Conflict of Interest: Members of the board must disclose any conflicts of interest and prioritize the interests of the ITSK over personal interests. 3. Unauthorized Activities: ITSK is prohibited from engaging in activities outside its licensed scope using its resources. Required Actions: 1. Implementation of Good Governance: ITSK must establish and adhere to governance frameworks that align with the principles outlined in the regulation. 2. Risk Management Procedures: Develop and maintain robust risk management policies and procedures. 3. Regular Reporting: Conduct periodic self-assessments and submit reports to OJK, including risk profiles and governance evaluations. 4. Training and Competence: Ensure that personnel involved in governance and risk management possess the necessary qualifications and training. Reporting Obligations: - ITSK must report any significant risks or compliance issues to OJK within specified timeframes. - Annual reports on governance practices, risk management effectiveness, and compliance with regulations must be submitted. Conclusion: OJK Regulation No. 30 of 2025 emphasizes the importance of sound governance and risk management in the rapidly evolving financial technology sector. Compliance with these regulations is crucial for maintaining stakeholder trust and ensuring the sustainability of ITSK operations in Indonesia.