Leveling Retail Payment System Infrastructure

In contrast to physical infrastructure, retail payment system infrastructure development still relies heavily on contributions from the private sector.

Something that visible is easier to notice. National infrastructure such as toll roads, ports, airports, railways and other physical infrastructure are easy to see, feel and enjoy. This physical infrastructure has long been a concern of the government. On the other hand, the retail payment system is not very visible, so it has received less attention in the government’s national digital infrastructure development program.

The government plays a key role in distributing the national infrastructure development evenly. The government should not only allocate state budget for infrastructure development for areas with high business potential, but also for areas with low business potential.