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Curbing under-16s’ access to fintech, e-commerce could slow adoption

Indonesia started banning social media for children under 16 in March, when the communications ministry named eight platforms that must comply with new rules.

Ruth Dea Juwita (The Jakarta Post)
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Tue, May 12, 2026 Published on May. 12, 2026 Published on 2026-05-12T18:59:04+07:00

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Protecting the youth: This photo taken on Oct. 30, 2025, shows a 10-year old lying on the floor as she watches a show on YouTube at her home in western Sydney, Australia. Australia’s under-16 social media ban will make the nation a real-life laboratory on how best to tackle the technology’s impact on young people, experts say. Protecting the youth: This photo taken on Oct. 30, 2025, shows a 10-year old lying on the floor as she watches a show on YouTube at her home in western Sydney, Australia. Australia’s under-16 social media ban will make the nation a real-life laboratory on how best to tackle the technology’s impact on young people, experts say. (AFP/David Gray)

T

he government plans to bar children under 16 from accessing e-commerce and financial technology platforms under sweeping new child protection rules for digital services, a move experts warn could slow digital and financial adoption among young users, if enforced too aggressively.

Under Government Regulation No. 17/2025, also known as PP Tunas, the rules would apply to both public and private electronic system providers (PSEs), covering services ranging from online retail and digital payments to banking, search engines and large-scale personal data processors.

“It applies to all PSEs. We are currently in the self-assessment stage by platforms, followed by a verification process by the ministry,” Communications and Digital Ministry Digital Space Supervision Director General Alexander Sabar told The Jakarta Post on Friday.

Alexander did not comment on whether the regulation would include a compliance deadline for platforms.

Read also: Government flags sanctions as Google resists under-16 ban

Indonesia started banning social media for children under 16 in March, when the communications ministry named eight platforms that must comply, namely YouTube, Facebook, Instagram, Threads, X, TikTok, Bigo Live and the gaming platform Roblox.

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More online platforms now must conduct self-risk assessments covering areas including harmful content, exploitation of children as consumers, personal data security and addiction to determine whether their services fall into high- or low-risk categories for children, under Ministerial Decree No. 142/2025.

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