mymind

Absolutely! The National Digital Identity Wallet (ID-Kita) could be one of the most transformative ideas for Indonesia — especially in bridging bureaucratic gaps, fighting corruption, increasing access to digital services, and enabling true “one person, one identity” across 17,000+ islands.

🇮🇩 Big Idea: ID-Kita — Indonesia’s Digital Identity Super Wallet

🔐 Vision:

To create a secure, portable, and universal identity platform that enables every Indonesian to access public and private services anytime, anywhere — without paperwork or physical cards.

💼 What is ID-Kita?

A mobile-first digital wallet that holds digitized, verified versions of a citizen’s key identity documents and credentials, protected by multi-layer authentication and usable both online and offline.

🧱 Core Components of ID-Kita

1. 📱 Digital Identity Vault

Securely stores:

e-KTP (with facial recognition biometrics)
Family Card (KK)
NPWP (Tax ID)
Driver’s License (SIM)
BPJS Health and Employment Cards
Passport (linked to immigration)
Voter ID (KPU integration)

🔒 All data encrypted and accessible through biometric authentication (Face + Fingerprint)

e-Signature for contracts and government forms
Digital consent logs (e.g., data sharing approvals)
Stamp duty integration (e-meterai API)

💡 No more printing, scanning, or physical approvals

3. 🌐 e-Government Access Hub

Use ID-Kita to:

Register businesses (OSS)
Pay taxes
Apply for land certificates (BPN)
Access court, education, or healthcare records

💼 One login for all government services (SSO for BUMNs, Kementerian, Pemda)

4. 💳 Credential & Certificate Wallet

Holds:

University diplomas
Professional licenses (e.g., medical, engineer, lawyer)
BPOM, halal, and business certifications
COVID vaccine records

🎓 Use blockchain-based timestamping to make all credentials tamper-proof

5. 💸 Financial Identity Layer

Optional integrations:

Open Finance API (Dukcapil + BI + OJK)
Credit score visibility (integrate with PEFINDO/SLIK)
Bank & eWallet linking (BRI, BCA, DANA, GoPay, etc.)

🪙 Helps the unbanked and underbanked access financial services

6. 🧭 Offline Mode & QR Scan

Works offline in remote areas using QR + OTP SMS fallback
NFC card option for citizens without smartphones
Digital KTP card that can be scanned for KYC and service access

🛰️ Super useful in eastern Indonesia or rural Java where coverage is weak

7. 👥 Guardian & Family Mode

Add dependents (e.g., child, elderly parent) under your wallet
Manage services on their behalf (BPJS claims, school admissions)

👵 Increases digital inclusion for the elderly and disabled

🚀 Launch Roadmap (Low to High Complexity)

🛡️ Security & Trust Stack

Facial verification every time you open the wallet
Zero-trust architecture
Citizen-controlled data permissions
Open auditing API for watchdogs & researchers

💰 Monetization & Sustainability

Government pays for core ID system (national infrastructure)
Offer enterprise ID-as-a-Service (IDaaS) to banks, fintechs, insurtechs, telcos
e-Meterai fee revenue, business verification fees, etc.

💥 Big Impact

🌏 Global Inspiration

🇮🇳 India’s Aadhaar + DigiLocker
🇪🇪 Estonia’s e-Residency & ID card
🇸🇬 Singapore’s Singpass

ID-Kita can be Indonesia’s version — uniquely adapted to our island geography, multi-language society, and digital economy goals.

🧭 Where to Start (Low Budget, Big Impact)

Start small but smart:

Pilot app with just e-KTP, BPJS, and SIM integration in 1–2 regions (like Yogyakarta or Surabaya)
Build secure QR-based scanning system for hospitals, banks, and Satpas (SIM office)
Partner with one bank + one Pemda + one university to test e-sign and credential wallet

To start ID-Kita with low budget but high impact, you should focus on a pilot project that solves a real, painful problem for both the people and the government, while being affordable and scalable. Here’s the most strategic entry point:

🎯 Start with This: “ID-Kita for BPJS + e-KTP + SIM Access” Pilot in One City

🧩 Why This Combo?

e-KTP is already mandatory — leverage existing biometric data from Dukcapil.
BPJS (Health Insurance) has massive reach — 200+ million members need digital access to services and claims.
SIM (Driver License) renewal and verification is a hassle — digital ID can ease police + citizen workflows.

This combo touches health, mobility, and legal identity — critical daily pain points that affect trust and quality of life.

🪜 Step-by-Step Low Budget Strategy

1. 🔍 Choose the Pilot Region

Look for a city or regency that is:

Digitally progressive (like Yogyakarta, Bandung, Surabaya)
Has a good relationship between local Dukcapil, BPJS, and Polri (SIM unit)
Open to innovation & pilot programs

2. 🛠️ Build a Lightweight MVP App

This app can:

Log in with NIK + selfie verification (Dukcapil DB)
Show verified BPJS info (class, facility, status)
Show SIM info (expiry, class, vehicle type)
Allow QR-based identity scan (for clinics or police checkpoints)
Has offline support for field use

✅ Use React Native or Flutter for fast and cheap development
✅ Use Firebase/Auth0 for security and login
✅ Use Dukcapil sandbox API or simulate with test data first

3. 🤝 Partner with 1 Clinic + 1 Polres Office

Let people:

Use ID-Kita for BPJS check-in at the clinic
Use it to show SIM when pulled over or during road checks

Bonus:

Add BPJS e-claim integration for referrals or reimbursements
Add Satpas (SIM Office) digital queueing system linked to ID-Kita

4. 📊 Measure & Promote Impact

Track:

Reduction in wait times
Number of successful digital logins
User satisfaction (farmers, ojol drivers, students, etc.)
Feedback from Polri and BPJS staff

📣 Promote the story as a “Digital Identity in Action” case study for Indonesia.

📈 What’s the Big Win?

Stakeholder	Value
Citizen	No need to carry physical documents, faster service
Gov Agency	Better data tracking, easier KYC, happier users
Private Partner	Banks, insurtechs, and fintechs can plug in later
You	Prove it works → attract funding or gov support

⚡ Bonus: Digital Queue System

Add a simple QR-based check-in and queue number system to the app — this is cheap to build and instantly improves user experience in government offices.

🌱 What’s Next After Pilot?

After 3–6 months of real usage:

Expand to include education (Ijazah), tax (NPWP), or vaccination records
Plug into e-Gov super apps like SatuData or SatuSehat
Offer an IDaaS API to banks/fintechs/insurtechs for paid verification

✅ Tools & Budget Tips