TEMPO.CO, Jakarta-Deputy Commissioner of Banking Surveillance II of Financial Service Authority (OJK) Boedi Armanto said that all bank customer loan data is stored in the debtor information system (SID), including credit card data. Banks have been required to submit SID data to the government.
“To find out if a person have paid [for something] or not and its outstanding amount, it’s in the SID. All credit card transactions are stored there, all of them,” Boedi told Tempo at Le Meridien Hotel, Karet, South Jakarta, Monday, April 4, 2016.
Boedi said the requirement to report credit card transaction data by banks to General Directorate of Tax does not violate the rules on consumers confidential information. “Certainly not. The confidentiality lies in its liabilities, such as current accounts or deposits,” he said.
Boedi sees that if Directorate General of Tax wants to match the profile of taxpayer income with the taxpayer’s credit card transaction data, banks need to have information on tax identification number (NPWP) of the person in question. “Credit card has been issued for long. I don’t know if NPWP had been issued or not [at the time]. If not, it would be useless.”
At the end of May, all banks and firms issuing credit cards will be required to report credit card transaction data to Finance Ministry’s Directorate General of Tax on a monthly basis. The requirement is outlined in Finance Ministry Regulation No. 39/2016 enacted on March 23.
The ministerial regulation stipulates that Director General of Tax may request for credit card transaction data, including bank name, credit card account number, merchant ID, merchant name, card owner name, address, citizen identification number (NIK) or passport number, tax identification number (NPWP), invoices, transaction details and customer credit limit.
ANGELINA ANJAR SAWITRI