Ghiyazuddin A. Mohammad, Manager – Digital Financial Services at Microsave, talks about the changing regulatory environment for digital financial services (DFS) / branchless banking in Indonesia. Regulators have played a critical role in achieving the objective of financial inclusion in Indonesia. OJK (Otoritas Jasa Keuangan), the newly created financial services authority to regulate and supervise financial services activities in banks/financial institutions, issued branchless banking regulations in the last quarter of 2014. In this video, Ghiyaz talks about enabling and restrictive clauses of the regulation.