Bank Indonesia (BI) and the Financial Services Authority (OJK) prohibit double-swiping of payment cards in cashless transactions. This is done to prevent the unnoticed theft of card data and information by consumers through supermarket checkout machines. The stolen data is then cloned and duplicated, potentially harming the registered cardholder.
BI data records that the number of payment instruments using cards (AMPK) reached 168.3 million units by the end of July 2017. This figure comprises 16.86 million credit cards, 8.34 million ATM cards, and 143.13 million ATM + Debit cards. For information, ATM/Debit card transactions throughout 2016 reached Rp 5,623.9 trillion, and credit card transactions amounted to Rp 281 trillion.
The number of credit cards in circulation has decreased by 3.16 percent compared to the end of 2016; similarly, ATM cards have also decreased by 0.2 percent. Meanwhile, ATM + Debit cards have increased by 12.01 percent.
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