Jakarta, ThedailyID — Indonesia’s Directorate General of Population and Civil Registration (Dukcapil) is supporting wider access to banking services through the use of accurate and verified population data.
The policy follows the government’s push to improve national financial inclusion. The issue was discussed at a limited meeting at the State Palace on September 7, 2026, led by President Prabowo Subianto.
The government encouraged more people to gain access to banking services and own bank accounts. One of the proposed measures involves matching Dukcapil population data with Bank Indonesia data, particularly to support the payment system.
Dukcapil Director General Teguh Setyabudi said the initiative goes beyond simply increasing the number of bank accounts.
“Population data utilization is not only about increasing the number of accounts, but also about improving financial inclusion,” Teguh said in a written statement on Thursday, September 10, 2026.
Under the current system, institutions can use population data through cooperation agreements with Dukcapil. As of August 31, 2026, Dukcapil had recorded 7,762 such agreements.
The data system also handles around 6 million to 7 million access requests, or hits, each day. This reflects the growing need for accurate population data across public and financial services.
For the banking sector, Dukcapil provides and verifies population data. It also ensures the validity of the Population Identification Number, or NIK, and related information.
However, Dukcapil will not open bank accounts or determine whether someone qualifies for banking services. Banks will continue to handle account opening and customer eligibility based on applicable regulations.
“With accurate and trusted population data, people can gain easier, safer, more inclusive and more targeted access to financial services,” Teguh added.
The verified data could also support government assistance programs. By linking official identities with bank accounts, authorities could improve the accuracy and efficiency of aid distribution.
At the same time, the government said data integration must prioritize security and public rights. The use of population data will follow applicable laws, including Indonesia’s Personal Data Protection Law No. 27 of 2022.
