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#DitraktirHonest - KFC#DitraktirHonest - KFC
Dining

#DitraktirHonest - Get meal deals at KFC

11 May
Until
-
9 Aug
2026
Apply now

Don't miss it! Enjoy a great meal deal at KFC by paying with Honest Card.

Redemption Instruction

How to get the promo at KFC:

For new users

  • Apply for Honest credit card through the Honest app (available on Play Store).
  • You must enter one of the following promo codes during registration (5-minute approval):
    • HONESTKFC - Voucher for Petoook Group menu (5 Chicken + 3 Rice + 3 Softdrinks) starting from IDR29,000 (total voucher value IDR100,000).
    • KFCBIG - Voucher for BIG Treat 2 menu (3 Chicken + 3 Rice + 3 Cream Soup + 6 Crispy Strips + 3 Mocha Float) starting from IDR15,000 (total voucher value IDR130,000)
    • KFCSOLO - Voucher for 2x Petoook Solo menu (1 Chicken + 1 Rice) starting from Rp0 (total voucher value Rp40,000)
  • Once approved, you will immediately receive the KFC voucher via WhatsApp and can use it directly at KFC outlets or through the KFC app.
  • You are not eligible if approved for credit card with starting limit of Rp1.

For existing users

  • Cashback up to IDR 20,000, once a month, no promo code needed.
  • Simply purchase any meal at KFC with your Honest credit card, and you'll receive cashback every Friday.

Terms and conditions

Campaign Period

The Honest Card x KFC Promotion (“Promotion”) is valid from 11 May 2026 until 9 August 2026 (“Campaign Period”).

Eligibility

This Promotion is open to new and existing Honest Card customers who meet the following criteria. Rp1 users are not eligible for this Promotion.

New Customer is defined as a user who:

  • Applies for an Honest Card during the Campaign Period
  • Enter a valid promo code in the application form (see table below)
  • Is successfully approved for the Honest Card

New customers who meet these criteria may participate in the New Customer Offer.

Existing Customer is defined as a user who already had an active Honest Card prior to the Campaign Period.

To be eligible for the Existing Customer Cashback Offer, customers must make a qualifying transaction during the Campaign Period using their Honest Card.

Promo Code & Reward Mapping

KFC Petoook Solo Meal (2x items) - Promo code: KFCSOLO - Value Rp40,000

KFC Big Treat 2 - Promo code: KFCBIG - Rp145,000 → Rp15,000 (Value Rp130,000)

KFC Petoook Group - Promo code: HONESTKFC - Rp129,000 → Rp29,000 (Value Rp100,000)

  • Customers will receive the reward corresponding to the promo code used at application
  • Each promo code is single-use per customer and cannot be combined with other codes

New Customer Offer

Eligible new customers will receive one (1) KFC e-voucher based on the promo code used during application.

Voucher Distribution:

  • The voucher will be distributed after successful approval of the Honest Card
  • Voucher delivery will be completed within 30 (thirty) working days after approval
  • Honest will aim to deliver the voucher within 24 hours of approval where possible

Voucher Usage Terms

  • The voucher is provided in the form of a unique KFC e-voucher code
  • The voucher may be used at:
    • All KFC outlets in Indonesia (excluding affiliated outlets)
    • KFCKU mobile application
    • kfcku.com website
  • The voucher is valid for 6 (six) months from the issuance date
  • The voucher cannot be extended after expiration
  • The voucher cannot be exchanged for cash or refunded
  • Customers may need to pay any remaining balance if the purchase exceeds the voucher value
  • Each eligible customer is entitled to one (1) voucher only during the Campaign Period

Existing Customer Cashback Offer

Eligible existing customers will receive Rp20,000 cashback when they:

  • Make a qualifying transaction using their Honest Card during the Campaign Period
  • Cashback is limited to one (1) redemption per month during the Campaign Period
  • Cashback will be credited within 30 (thirty) working days after the qualifying transaction

General Terms

  • This Promotion is valid for transactions at KFC outlets in Indonesia (excluding affiliated outlets), KFCKU mobile application, or kfcku.com
  • Transactions that are cancelled, refunded, or reversed will not qualify for cashback or rewards
  • Honest reserves the right to verify transaction eligibility before awarding benefits
  • Honest reserves the right to modify, extend, or terminate this Promotion without prior notice
  • Decisions made by Honest regarding this Promotion are final and binding
  • Honest reserves the right to change the mechanics, eligibility criteria, and rewards at any time
  • If there is any inconsistency between these T&Cs and promotional communications, these T&Cs shall prevail
  • This Promotion is governed by the laws of the Republic of Indonesia

Fraud & Customer Acknowledgment

Customers should remain cautious of fraud attempts by individuals posing as Honest representatives. Honest will never request sensitive information such as card number, expiration date, PIN, OTP, or CVC.

By participating in this Promotion, customers acknowledge and agree that:

  • They have read and understood these T&Cs
  • Electronic consent (e.g., clicking “Agree”) is legally binding and equivalent to a physical signature
  • They will not dispute the validity or enforceability of these T&Cs

Other Provisions

  • Honest reserves the right to change the mechanics, eligibility criteria, and rewards at any time.
  • If there is any inconsistency between these T&Cs and communications relating to a Program, these T&Cs shall prevail.
  • The Programs are governed by the laws of the Republic of Indonesia.
  • Honest may update these T&C from time to time. By continuing to use our Platform, you agree to the updates.
  • Customers should be cautious of fraud attempts by individuals posing as Honest representatives. Any fraud or criminal activities conducted by third parties or individuals claiming to represent this program are beyond Honest's control. Do not share personal data such as card number, expiration date, PIN, OTP, and CVC number with anyone.
  • Customers have read these T&C. Customers understand that by clicking "Agree" or another button of the same nature, Customers are giving an electronic consent that has the same power as a wet signature so that it is not required for paper signing. Customer agree in good faith that you will not (and will not permit or assist any party to) in any manner or forum in any jurisdiction:
    • Object to the validity or raise any objection to the T&C;
    • Defend Customer non-performance or breach of obligations under the T&C; and/or
    • Declare that these T&C are contrary to public policy or are not a legal, valid, and binding obligation on you that may be imposed against Customer in accordance with its provisions.

Apply now
#DitraktirHonest - KFC

#DitraktirHonest - Get meal deals at KFC

Promo period:
11 May 2026
Hingga
-
09 Aug 2026

Don't miss it! Enjoy a great meal deal at KFC by paying with Honest Card.

Kode promo

How to get the promo at KFC:

For new users

  • Apply for Honest credit card through the Honest app (available on Play Store).
  • You must enter one of the following promo codes during registration (5-minute approval):
    • HONESTKFC - Voucher for Petoook Group menu (5 Chicken + 3 Rice + 3 Softdrinks) starting from IDR29,000 (total voucher value IDR100,000).
    • KFCBIG - Voucher for BIG Treat 2 menu (3 Chicken + 3 Rice + 3 Cream Soup + 6 Crispy Strips + 3 Mocha Float) starting from IDR15,000 (total voucher value IDR130,000)
    • KFCSOLO - Voucher for 2x Petoook Solo menu (1 Chicken + 1 Rice) starting from Rp0 (total voucher value Rp40,000)
  • Once approved, you will immediately receive the KFC voucher via WhatsApp and can use it directly at KFC outlets or through the KFC app.
  • You are not eligible if approved for credit card with starting limit of Rp1.

For existing users

  • Cashback up to IDR 20,000, once a month, no promo code needed.
  • Simply purchase any meal at KFC with your Honest credit card, and you'll receive cashback every Friday.
Apply now

1
2
3
Periode promo:
11 May
Hingga
-
9 Aug
2026
Apply now

Why Honest Credit Card?

90% approval

Apply and get approval as little as in 5 minutes

Credit limit up to Rp100 million

and may increase every month

Unlimited cashback

Get up to 1% cashback every time you shop

Free interest and admin fee

when you pay in full and on time

No annual fee, ever

No other credit card fees

Apply now

How to apply Honest Credit Card

1

Download the app and apply for the Honest Card

2

Get approval as little as in2 hours

3

Receive and activate the card

4

Apply & buy with your Honest Credit card at your nearest KFC, the promo will be credited if eligible.

Apply now
 

FAQ about

#DitraktirHonest - Get meal deals at KFC

What is the #DitraktirHonest x KFC promo?

#DitraktirHonest x KFC is the result of a collaboration between Honest Card and KFC (Kentucky Fried Chicken). Where with this promo, new users can get a meal voucher code. As for existing users, you can get cashback up to IDR 20,000.

When is the promo period?

The promotion runs according to the dates listed above.

Can anyone follow this promo?

This promo is valid for new users and loyal users of Honest credit cards.

How do I get the promo?

To get this promo:

  • Open an Honest account during the promo period if you don't have it yet (5 minutes approval)
  • Pay with Honest card during the promo period and/or within 14 days of approval for new users

When will the voucher be accepted?

The voucher will be sent as a unique code sent through WhatsApp to the phone number registered with the Honest account, which will be sent within 7 (seven) business days after being approved for the Honest Card.

When will cashback be received?

Cashback will be sent on the Friday of each week after you meet all the requirements and log in directly to your Honest account. Sometimes it can take a little longer depending on the process, but it definitely ships! Check the Honest app homepage at “Last Transaction”, and you can use that cashback for your next purchase.

Can this promo be combined with other promos?

No, for now promo #DitraktirHonest x KFC can not be merged with other promos

What if the promo hasn't come in yet?

If the voucher or cashback has not arrived, make sure you:

✅ You've been approved within the range of the promo period. (This promo is not valid for users who get credit limit of Rp1)

✅ Already made transactions using Honest Card when making transactions at KFC within 14 days after approval and during the campaign period.

If both are already there but the promo hasn't arrived after 7 days, you can contact Honest Care so that it can be checked further by the Honest team.

Is there a minimum transaction to be able to get a promo?

There is no minimum transaction to get this promo

What if the transaction is canceled?

If the transaction at KFC is canceled or refunded, then you will not get cashback.

How to know that the cashback is already in?

You will be notified in the Honest app once the cashback is in.

Make sure notifications in your Honest app are always on.

Where can I download Honest and KFC credit card apps?

You can download the Honest and KFC app on the Google Play Store or use the following link:

Download Honest

Download KFCKU app

Terms & Conditions

Campaign Period

The Honest Card x KFC Promotion (“Promotion”) is valid from 11 May 2026 until 9 August 2026 (“Campaign Period”).

Eligibility

This Promotion is open to new and existing Honest Card customers who meet the following criteria. Rp1 users are not eligible for this Promotion.

New Customer is defined as a user who:

  • Applies for an Honest Card during the Campaign Period
  • Enter a valid promo code in the application form (see table below)
  • Is successfully approved for the Honest Card

New customers who meet these criteria may participate in the New Customer Offer.

Existing Customer is defined as a user who already had an active Honest Card prior to the Campaign Period.

To be eligible for the Existing Customer Cashback Offer, customers must make a qualifying transaction during the Campaign Period using their Honest Card.

Promo Code & Reward Mapping

KFC Petoook Solo Meal (2x items) - Promo code: KFCSOLO - Value Rp40,000

KFC Big Treat 2 - Promo code: KFCBIG - Rp145,000 → Rp15,000 (Value Rp130,000)

KFC Petoook Group - Promo code: HONESTKFC - Rp129,000 → Rp29,000 (Value Rp100,000)

  • Customers will receive the reward corresponding to the promo code used at application
  • Each promo code is single-use per customer and cannot be combined with other codes

New Customer Offer

Eligible new customers will receive one (1) KFC e-voucher based on the promo code used during application.

Voucher Distribution:

  • The voucher will be distributed after successful approval of the Honest Card
  • Voucher delivery will be completed within 30 (thirty) working days after approval
  • Honest will aim to deliver the voucher within 24 hours of approval where possible

Voucher Usage Terms

  • The voucher is provided in the form of a unique KFC e-voucher code
  • The voucher may be used at:
    • All KFC outlets in Indonesia (excluding affiliated outlets)
    • KFCKU mobile application
    • kfcku.com website
  • The voucher is valid for 6 (six) months from the issuance date
  • The voucher cannot be extended after expiration
  • The voucher cannot be exchanged for cash or refunded
  • Customers may need to pay any remaining balance if the purchase exceeds the voucher value
  • Each eligible customer is entitled to one (1) voucher only during the Campaign Period

Existing Customer Cashback Offer

Eligible existing customers will receive Rp20,000 cashback when they:

  • Make a qualifying transaction using their Honest Card during the Campaign Period
  • Cashback is limited to one (1) redemption per month during the Campaign Period
  • Cashback will be credited within 30 (thirty) working days after the qualifying transaction

General Terms

  • This Promotion is valid for transactions at KFC outlets in Indonesia (excluding affiliated outlets), KFCKU mobile application, or kfcku.com
  • Transactions that are cancelled, refunded, or reversed will not qualify for cashback or rewards
  • Honest reserves the right to verify transaction eligibility before awarding benefits
  • Honest reserves the right to modify, extend, or terminate this Promotion without prior notice
  • Decisions made by Honest regarding this Promotion are final and binding
  • Honest reserves the right to change the mechanics, eligibility criteria, and rewards at any time
  • If there is any inconsistency between these T&Cs and promotional communications, these T&Cs shall prevail
  • This Promotion is governed by the laws of the Republic of Indonesia

Fraud & Customer Acknowledgment

Customers should remain cautious of fraud attempts by individuals posing as Honest representatives. Honest will never request sensitive information such as card number, expiration date, PIN, OTP, or CVC.

By participating in this Promotion, customers acknowledge and agree that:

  • They have read and understood these T&Cs
  • Electronic consent (e.g., clicking “Agree”) is legally binding and equivalent to a physical signature
  • They will not dispute the validity or enforceability of these T&Cs

Other Provisions

  • Honest reserves the right to change the mechanics, eligibility criteria, and rewards at any time.
  • If there is any inconsistency between these T&Cs and communications relating to a Program, these T&Cs shall prevail.
  • The Programs are governed by the laws of the Republic of Indonesia.
  • Honest may update these T&C from time to time. By continuing to use our Platform, you agree to the updates.
  • Customers should be cautious of fraud attempts by individuals posing as Honest representatives. Any fraud or criminal activities conducted by third parties or individuals claiming to represent this program are beyond Honest's control. Do not share personal data such as card number, expiration date, PIN, OTP, and CVC number with anyone.
  • Customers have read these T&C. Customers understand that by clicking "Agree" or another button of the same nature, Customers are giving an electronic consent that has the same power as a wet signature so that it is not required for paper signing. Customer agree in good faith that you will not (and will not permit or assist any party to) in any manner or forum in any jurisdiction:
    • Object to the validity or raise any objection to the T&C;
    • Defend Customer non-performance or breach of obligations under the T&C; and/or
    • Declare that these T&C are contrary to public policy or are not a legal, valid, and binding obligation on you that may be imposed against Customer in accordance with its provisions.

Terms and conditions

Campaign Period

The Honest Card x KFC Promotion (“Promotion”) is valid from 11 May 2026 until 9 August 2026 (“Campaign Period”).

Eligibility

This Promotion is open to new and existing Honest Card customers who meet the following criteria. Rp1 users are not eligible for this Promotion.

New Customer is defined as a user who:

  • Applies for an Honest Card during the Campaign Period
  • Enter a valid promo code in the application form (see table below)
  • Is successfully approved for the Honest Card

New customers who meet these criteria may participate in the New Customer Offer.

Existing Customer is defined as a user who already had an active Honest Card prior to the Campaign Period.

To be eligible for the Existing Customer Cashback Offer, customers must make a qualifying transaction during the Campaign Period using their Honest Card.

Promo Code & Reward Mapping

KFC Petoook Solo Meal (2x items) - Promo code: KFCSOLO - Value Rp40,000

KFC Big Treat 2 - Promo code: KFCBIG - Rp145,000 → Rp15,000 (Value Rp130,000)

KFC Petoook Group - Promo code: HONESTKFC - Rp129,000 → Rp29,000 (Value Rp100,000)

  • Customers will receive the reward corresponding to the promo code used at application
  • Each promo code is single-use per customer and cannot be combined with other codes

New Customer Offer

Eligible new customers will receive one (1) KFC e-voucher based on the promo code used during application.

Voucher Distribution:

  • The voucher will be distributed after successful approval of the Honest Card
  • Voucher delivery will be completed within 30 (thirty) working days after approval
  • Honest will aim to deliver the voucher within 24 hours of approval where possible

Voucher Usage Terms

  • The voucher is provided in the form of a unique KFC e-voucher code
  • The voucher may be used at:
    • All KFC outlets in Indonesia (excluding affiliated outlets)
    • KFCKU mobile application
    • kfcku.com website
  • The voucher is valid for 6 (six) months from the issuance date
  • The voucher cannot be extended after expiration
  • The voucher cannot be exchanged for cash or refunded
  • Customers may need to pay any remaining balance if the purchase exceeds the voucher value
  • Each eligible customer is entitled to one (1) voucher only during the Campaign Period

Existing Customer Cashback Offer

Eligible existing customers will receive Rp20,000 cashback when they:

  • Make a qualifying transaction using their Honest Card during the Campaign Period
  • Cashback is limited to one (1) redemption per month during the Campaign Period
  • Cashback will be credited within 30 (thirty) working days after the qualifying transaction

General Terms

  • This Promotion is valid for transactions at KFC outlets in Indonesia (excluding affiliated outlets), KFCKU mobile application, or kfcku.com
  • Transactions that are cancelled, refunded, or reversed will not qualify for cashback or rewards
  • Honest reserves the right to verify transaction eligibility before awarding benefits
  • Honest reserves the right to modify, extend, or terminate this Promotion without prior notice
  • Decisions made by Honest regarding this Promotion are final and binding
  • Honest reserves the right to change the mechanics, eligibility criteria, and rewards at any time
  • If there is any inconsistency between these T&Cs and promotional communications, these T&Cs shall prevail
  • This Promotion is governed by the laws of the Republic of Indonesia

Fraud & Customer Acknowledgment

Customers should remain cautious of fraud attempts by individuals posing as Honest representatives. Honest will never request sensitive information such as card number, expiration date, PIN, OTP, or CVC.

By participating in this Promotion, customers acknowledge and agree that:

  • They have read and understood these T&Cs
  • Electronic consent (e.g., clicking “Agree”) is legally binding and equivalent to a physical signature
  • They will not dispute the validity or enforceability of these T&Cs

Other Provisions

  • Honest reserves the right to change the mechanics, eligibility criteria, and rewards at any time.
  • If there is any inconsistency between these T&Cs and communications relating to a Program, these T&Cs shall prevail.
  • The Programs are governed by the laws of the Republic of Indonesia.
  • Honest may update these T&C from time to time. By continuing to use our Platform, you agree to the updates.
  • Customers should be cautious of fraud attempts by individuals posing as Honest representatives. Any fraud or criminal activities conducted by third parties or individuals claiming to represent this program are beyond Honest's control. Do not share personal data such as card number, expiration date, PIN, OTP, and CVC number with anyone.
  • Customers have read these T&C. Customers understand that by clicking "Agree" or another button of the same nature, Customers are giving an electronic consent that has the same power as a wet signature so that it is not required for paper signing. Customer agree in good faith that you will not (and will not permit or assist any party to) in any manner or forum in any jurisdiction:
    • Object to the validity or raise any objection to the T&C;
    • Defend Customer non-performance or breach of obligations under the T&C; and/or
    • Declare that these T&C are contrary to public policy or are not a legal, valid, and binding obligation on you that may be imposed against Customer in accordance with its provisions.

Warning

Customers should be cautious of fraud by individuals claiming to represent Honest. Any fraudulent activity or other crimes committed by third parties associated with or claiming to represent this program are beyond Honest's authority. Do not share personal data such as card numbers, expiration dates, PINs, OTPs, or CVC numbers with anyone.

Apply now

PT Honest Financial Technologies is licensed and supervised by Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI)

#DitraktirHonest - KFC#DitraktirHonest - KFC

#DitraktirHonest - Get meal deals at KFC

11 May
Hingga
-
9 Aug
2026

Don't miss it! Enjoy a great meal deal at KFC by paying with Honest Card.

Promo code

Apply now

Terms and conditions

Campaign Period

The Honest Card x KFC Promotion (“Promotion”) is valid from 11 May 2026 until 9 August 2026 (“Campaign Period”).

Eligibility

This Promotion is open to new and existing Honest Card customers who meet the following criteria. Rp1 users are not eligible for this Promotion.

New Customer is defined as a user who:

  • Applies for an Honest Card during the Campaign Period
  • Enter a valid promo code in the application form (see table below)
  • Is successfully approved for the Honest Card

New customers who meet these criteria may participate in the New Customer Offer.

Existing Customer is defined as a user who already had an active Honest Card prior to the Campaign Period.

To be eligible for the Existing Customer Cashback Offer, customers must make a qualifying transaction during the Campaign Period using their Honest Card.

Promo Code & Reward Mapping

KFC Petoook Solo Meal (2x items) - Promo code: KFCSOLO - Value Rp40,000

KFC Big Treat 2 - Promo code: KFCBIG - Rp145,000 → Rp15,000 (Value Rp130,000)

KFC Petoook Group - Promo code: HONESTKFC - Rp129,000 → Rp29,000 (Value Rp100,000)

  • Customers will receive the reward corresponding to the promo code used at application
  • Each promo code is single-use per customer and cannot be combined with other codes

New Customer Offer

Eligible new customers will receive one (1) KFC e-voucher based on the promo code used during application.

Voucher Distribution:

  • The voucher will be distributed after successful approval of the Honest Card
  • Voucher delivery will be completed within 30 (thirty) working days after approval
  • Honest will aim to deliver the voucher within 24 hours of approval where possible

Voucher Usage Terms

  • The voucher is provided in the form of a unique KFC e-voucher code
  • The voucher may be used at:
    • All KFC outlets in Indonesia (excluding affiliated outlets)
    • KFCKU mobile application
    • kfcku.com website
  • The voucher is valid for 6 (six) months from the issuance date
  • The voucher cannot be extended after expiration
  • The voucher cannot be exchanged for cash or refunded
  • Customers may need to pay any remaining balance if the purchase exceeds the voucher value
  • Each eligible customer is entitled to one (1) voucher only during the Campaign Period

Existing Customer Cashback Offer

Eligible existing customers will receive Rp20,000 cashback when they:

  • Make a qualifying transaction using their Honest Card during the Campaign Period
  • Cashback is limited to one (1) redemption per month during the Campaign Period
  • Cashback will be credited within 30 (thirty) working days after the qualifying transaction

General Terms

  • This Promotion is valid for transactions at KFC outlets in Indonesia (excluding affiliated outlets), KFCKU mobile application, or kfcku.com
  • Transactions that are cancelled, refunded, or reversed will not qualify for cashback or rewards
  • Honest reserves the right to verify transaction eligibility before awarding benefits
  • Honest reserves the right to modify, extend, or terminate this Promotion without prior notice
  • Decisions made by Honest regarding this Promotion are final and binding
  • Honest reserves the right to change the mechanics, eligibility criteria, and rewards at any time
  • If there is any inconsistency between these T&Cs and promotional communications, these T&Cs shall prevail
  • This Promotion is governed by the laws of the Republic of Indonesia

Fraud & Customer Acknowledgment

Customers should remain cautious of fraud attempts by individuals posing as Honest representatives. Honest will never request sensitive information such as card number, expiration date, PIN, OTP, or CVC.

By participating in this Promotion, customers acknowledge and agree that:

  • They have read and understood these T&Cs
  • Electronic consent (e.g., clicking “Agree”) is legally binding and equivalent to a physical signature
  • They will not dispute the validity or enforceability of these T&Cs

Other Provisions

  • Honest reserves the right to change the mechanics, eligibility criteria, and rewards at any time.
  • If there is any inconsistency between these T&Cs and communications relating to a Program, these T&Cs shall prevail.
  • The Programs are governed by the laws of the Republic of Indonesia.
  • Honest may update these T&C from time to time. By continuing to use our Platform, you agree to the updates.
  • Customers should be cautious of fraud attempts by individuals posing as Honest representatives. Any fraud or criminal activities conducted by third parties or individuals claiming to represent this program are beyond Honest's control. Do not share personal data such as card number, expiration date, PIN, OTP, and CVC number with anyone.
  • Customers have read these T&C. Customers understand that by clicking "Agree" or another button of the same nature, Customers are giving an electronic consent that has the same power as a wet signature so that it is not required for paper signing. Customer agree in good faith that you will not (and will not permit or assist any party to) in any manner or forum in any jurisdiction:
    • Object to the validity or raise any objection to the T&C;
    • Defend Customer non-performance or breach of obligations under the T&C; and/or
    • Declare that these T&C are contrary to public policy or are not a legal, valid, and binding obligation on you that may be imposed against Customer in accordance with its provisions.

Apply now

PT Honest Financial Technologies is licensed and supervised by Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI)