One of the barriers to Internet banking in Indonesia is the compulsory requirement to use a physical key generator as an additional security measure to prevent unauthorized access to your bank account. While it may make it more difficult for someone to try and break into bank accounts, the inconvenience of it becomes a price to pay for consumers to engage in safe internet banking.

Inconvenient because every time you need to perform an online transaction session, you would need to enter a set of numbers produced by the key generator. This means you have to carry this small calculator-like device with you at all times among a collection of your other gadgets that you carry on a daily basis.

What’s the big deal, it’s just another small gadget, you probably are asking. The big deal is that if you lose it you’ll need to request another one from the bank and it’s not that convenient if it happens to be at five in the afternoon or you’re in an area without a branch of that bank, for example overseas.

Additionally if you’re overseas for an extended period of time and the battery in your key generator runs out. You’re pretty much prevented from any online transaction using your Indonesian bank account.

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