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The Conceptual Design e-Wallet for Rupiah Digital

Jurnal Ilmu Komputer dan Informasi (JIKI) · Vol. 18 No. 1 (2025) · pp. 29–45

DOI
10.21609/jiki.v18i1.1309
ISSN
2502-9274, 2088-7051
Published
2025-02-08
Publisher
Faculty of Computer Science - Universitas Indonesia
Language
eng

Abstract

This research study the advancement of Central Bank Digital Currencies (CBDCs) spurred by fi-nancial technology progress. It focuses on Rupiah Digital, Indonesia's CBDC initiative led by the Bank of Indonesia (BI). The study explores the technical aspects of Wholesale and Retail Digital Rupiah, proposes an e-wallet system for seamless digital transactions in related to blockchain technology, specifically Permissioned Distributed Ledger Technology (DLT). The objective of this research to provide recommendations to BI regarding appropriate e-wallet conceptual design based on study literature review (LR) methods and qualitative research method by conducting interviews throughs forum group discussion (FGD) and e-mail with leading economic (banks), legal (BI and Government), and technical experts (banks, academic expert on this field, BI and Government) to get reviews and input regarding the e-wallet conceptual design that was proposed. As result, we recommended the architecture for Rupiah Digital using Hyperledger Fabric blockchain with two-tiered distribution and user layer backed by digital token using ID on mobile apps to enhance the security of the system. The FGD with experts and executor result in approval on those conceptual design to be part of the option on development of CBDC in Indonesia.

Collaboration network of the authors

7 authors · 9 co-authorship links · 3 across different organisations

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  • University of Indonesia
  • Ministry of Finance
  • Sriwijaya University
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Yova RuldeviyaniUniversity of Indonesia2
Ahmad SanmorinoSriwijaya University1
Heru Seok SuhartantoUniversity of Indonesia1
Rizal Fathoni AjiUniversity of Indonesia1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://jiki.cs.ui.ac.id/index.php/jiki/oai, first harvested 26 Okt 2026, last seen 26 Okt 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en-US">The Conceptual Design e-Wallet for Rupiah Digital</dc:title>
	<dc:creator>Zulmy, Mohamad Faisal</dc:creator>
	<dc:creator>Kurniawati, Monica Vivi </dc:creator>
	<dc:creator>Yazid, Setiadi </dc:creator>
	<dc:description xml:lang="en-US">This research study the advancement of Central Bank Digital Currencies (CBDCs) spurred by fi-nancial technology progress. It focuses on Rupiah Digital, Indonesia's CBDC initiative led by the Bank of Indonesia (BI). The study explores the technical aspects of Wholesale and Retail Digital Rupiah, proposes an e-wallet system for seamless digital transactions in related to blockchain technology, specifically Permissioned Distributed Ledger Technology (DLT). The objective of this research to provide recommendations to BI regarding appropriate e-wallet conceptual design based on study literature review (LR) methods and qualitative research method by conducting interviews throughs forum group discussion (FGD) and e-mail with leading economic (banks), legal (BI and Government), and technical experts (banks, academic expert on this field, BI and Government) to get reviews and input regarding the e-wallet conceptual design that was proposed. As result, we recommended the architecture for Rupiah Digital using Hyperledger Fabric blockchain with two-tiered distribution and user layer backed by digital token using ID on mobile apps to enhance the security of the system. The FGD with experts and executor result in approval on those conceptual design to be part of the option on development of CBDC in Indonesia.</dc:description>
	<dc:publisher xml:lang="en-US">Faculty of Computer Science  - Universitas Indonesia</dc:publisher>
	<dc:date>2025-02-08</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
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	<dc:identifier>https://jiki.cs.ui.ac.id/index.php/jiki/article/view/1309</dc:identifier>
	<dc:identifier>10.21609/jiki.v18i1.1309</dc:identifier>
	<dc:source xml:lang="en-US">Jurnal Ilmu Komputer dan Informasi; Vol. 18 No. 1 (2025): Jurnal Ilmu Komputer dan Informasi (Journal of Computer Science and Information); 29-45</dc:source>
	<dc:source>2502-9274</dc:source>
	<dc:source>2088-7051</dc:source>
	<dc:source>10.21609/jiki.v18i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://jiki.cs.ui.ac.id/index.php/jiki/article/view/1309/522</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2024 Jurnal Ilmu Komputer dan Informasi</dc:rights>
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