AWS Launches AWS Asia Pacific (Jakarta) Region in Indonesia
The AWS Asia Pacific (Jakarta) Region is officially live, allowing AWS customers to run workloads and securely store data in Indonesia by leveraging advanced AWS technologies.
This page provides AWS financial institution customers with information about the legal and regulatory requirements in Indonesia that may apply to their use of AWS services.
Regulations
-
Can financial institutions use AWS?
Yes. Financial institutions in Indonesia are permitted to use cloud services, provided that they comply with applicable legal and regulatory requirements, such as those described below.
-
Who are the financial regulators?
Otoritas Jasa Keuangan (Financial Authority of Indonesia, or OJK) regulates banks, insurance companies, peer-to-peer lenders, and other types of financial companies involved in lending and financing.
Bank of Indonesia (BI) regulates non-bank payment providers and companies involved in the payment system such as acquirers, e-money issuers, fund transfer companies, e-wallet companies, and payment gateways.
-
What regulations apply to financial institutions using AWS?
Financial institutions in Indonesia may be subject to a number of different legal and regulatory requirements when they use cloud services. Regulations issued by each of OJK and BI together with their applicable relevant guidelines, provide a framework for financial institutions in Indonesia when they are planning to use cloud services. Some of the key regulations and guidelines include:
- Information Technology Operation by Commercial Banks (11/POJK.03/2022, FAQ, Summary)
- OJK Circular on Cyber Security and Resilience (29/SEOJK.03/2022, Summary)
The above framework generally covers a variety of contractual and operational areas, including due diligence, risk management, business continuity, and monitoring and oversight.
Customers that have questions about the applicable regulations, and how these may apply to their use of AWS services, can reach out to their account representative.
Regulations are changing rapidly in this space, and AWS is working to help customers proactively respond to new rules and guidelines. AWS encourages its financial institutions customers to obtain appropriate advice on their compliance with all regulatory and legal requirements that are relevant to their business, including other local regulations, guidelines and laws.
- Information Technology Operation by Commercial Banks (11/POJK.03/2022, FAQ, Summary)
-
Key considerations for financial institutions using AWS
AWS is committed to offering customers a strong compliance framework and advanced tools and security measures that customers can use to evaluate meet, and demonstrate compliance with applicable legal and regulatory requirements.
Financial institutions who are using or planning to use AWS services can take the following steps to better understand their compliance needs:
1. Consider the purpose of the workload(s) under consideration and the relevant categories of data in order to anticipate which legal and regulatory requirements may apply.
2. Assess the materiality or criticality of the relevant workload(s) in light of local requirements. For example, Regulation 11/POJK.03/2022 requires commercial banks to obtain OJK's approval to store and process certain types of workloads outside Indonesia.
3. Review the AWS Shared Responsibility Model and map AWS responsibilities and customer responsibilities according to each AWS service that will be used. Customers can also use AWS Artifact to access AWS’s audit reports and conduct their assessment of the control responsibilities.
4. Customers who have further questions about how AWS services can enable their security and compliance needs, or who would like more information, can contact their account representative.
-
Key data privacy and protection considerations for financial institutions using AWS
Financial institutions in Indonesia using AWS services should also consider applicable privacy requirements, including the Personal Data Protection Law (Law of the Republic of Indonesia Number 27 Year 2022). For more information visit Indonesia Data Privacy.
The AWS whitepaper Using AWS in the Context of Common Privacy and Data Protection Considerations provides useful information to customers using AWS cloud services to store or process personal data.
If customers process or are planning to process the personal data of data subjects in the European Union (EU), they should visit AWS’s General Data Protection Regulation (GDPR) Center. More information on these requirements is included in Navigating GDPR Compliance on AWS.
Resources
-
Country-specific
-
General
-
Compliance Programs
-
Country-specific
-
AWS User Guide to Financial Services Regulations and Guidelines in IndonesiaUsing AWS Services in Indonesia
This guide provides information to assist banks and financial institutions regulated by the Otoritas Jasa Keuangan (Financial Authority of Indonesia, or OJK) and Bank Indonesia (BI) as they adopt and accelerate their use of the Amazon Web Services (AWS) Cloud. This guide describes the respective roles that the customer and AWS each play in managing and securing the cloud environment, describes AWS security systems and the AWS Shared Responsibility Model, provides an overview of the regulatory requirements and guidance that financial institutions can consider when using AWS, and provides additional resources to assist financial institutions design and architect their AWS environment to meet their security and regulatory objectives.
This guide also provides considerations for entities regulated by OJK as they assess their responsibilities regarding the following guidelines and requirements when they use the AWS Cloud: Information Technology Operation by Commercial Banks 11/POJK.03/2022 and OJK Circular Letter On Implementation Of Risk Management In Use Of Information Technology By Banks 21/SEOJK.03/2017.
Financial institutions can use this information to assist their due diligence and to assess how to implement an appropriate information security, risk management, and governance program for their use of AWS.
Navigating Indonesia Government Regulation No. 71 Considerations on AWSThis website discusses Government Regulation 71 Concerning the Operation of Electronic System and Transaction (GR 71), which amends the existing Government Regulation 82 of 2012 Concerning Electronic System and Transaction Operation (GR 82) and clarifies that Electronic System Operators in Indonesia can transfer or store data offshore. Electronic System Operators are any entities in Indonesia that manage or operate an electronic system, and can be either “private scope” or “public scope”.
This paper discusses how customers can leverage AWS services and capabilities for their electronic systems and to safeguard customer content in the context of Government Regulation 71 Concerning the Operation of Electronic System and Transaction (GR 71).
-
General
-
Payment Card Industry Data Security Standard (PCI DSS) on AWSUsing AWS in the Context of Common Privacy and Data Protection Considerations
This guide provides customers with information to be able to plan for and document the Payment Card Industry Data Security Standard (PCI DSS) compliance of their AWS workloads. This includes the selection of controls that meet specific PCI DSS requirements, planning of evidence gathering to meet assessment testing procedures, and explaining their control implementation to their PCI Qualified Security Assessor (QSA).
AWS Compliance Quick Reference GuideThis document provides information to assist customers who want to use AWS to store or process content containing personal data, in the context of common privacy and data protection considerations. It will help customers understand the way AWS services operate, including how customers can address security and encrypt their content. The geographic locations where customers can choose to store content and other relevant considerations. The respective roles the customer and AWS each play in managing and securing content stored on AWS services.
AWS Operational ResilienceAWS has many compliance-enabling features that you can use for your regulated workloads in the AWS cloud. These features allow you to achieve a higher level of security at scale. Cloud-based compliance offers a lower cost of entry, easier operations, and improved agility by providing more oversight, security control, and central automation.
Data Classification and Secure Cloud AdoptionThe purpose of this paper is to describe how AWS and our customers in the financial services industry achieve operational resilience using AWS services.
AWS Policy Perspectives: Data ResidencyThis paper provides insight into classification schemes for public and private organizations to leverage when moving data to the cloud. It identifies practices and models currently implemented by global first movers and early adopters, examines how implementation of these schemes can simplify cloud adoption, and recommends practices to harmonize national requirements to internationally recognized standards and frameworks.
AWS Risk and ComplianceThis paper addresses: The real and perceived security risks expressed by governments when they demand in-country data residency. Commercial, public sector, and economic impact of in-country data residency policies with a focus on government data. Considerations for governments to evaluate before enforcing requirements that can unintentionally limit public sector digital transformation goals leading to increased cybersecurity risk.
AWS Security Audit GuidelinesThis document is intended to provide information to assist AWS customers with integrating AWS into their existing control framework supporting their IT environment. This document includes a basic approach to evaluating AWS controls and provides information to assist customers with integrating control environments. This document also addresses AWS-specific information around general cloud computing compliance questions.
Guidelines for systematically reviewing and monitoring your AWS resources for security best practices.
-
Compliance Programs
-
CSA
ISO 27018
ISO 9001
GDPR
ISO 27001
PCI DSS Level 1
ISO 27017
SOC
We are continually adapting to evolving regulations. Check often for updates.
