Kartu Kredit Indonesia (Indonesian Credit Card for Government Segment or Domestic Government Credit Card) Qorus Banking Innovation Awards 2023

KKI is a credit-based payment instrument where transactions are processed domestically utilizing the National Payment Gateway (GPN), where the initial stage will be focused more on the Government segment. KKI has 3 features: Quick Response Code Indonesian Standard (QRIS), Physical Card, and Online Payment, each of which will be launched in stages. The first phase, KKI QRIS, is developed to accommodate the Government’s microtransactions with a limit of up to Rp 10 million. In the second phase, the KKI Physical Card feature can be transacted on offline merchant’s Electronic Data Capture (EDC) with a limit of up to Rp 200 million. Moving forward, KKI Online Payment is currently being developed where it can accommodate Government transactions through its marketplace platform (e.g. MBiz, e-Catalog, Gratis Ongkir, and PadiUMKM).