SEA Trust & Compliance Series: QRC’s Jakarta Edition

QRC Assurance and Solutions successfully hosted the second edition of its SEA – Trust & Compliance Series in Jakarta, Indonesia, bringing together information security, compliance, risk and digital payments professionals for an intensive workshop on payment ecosystem security and PCI standards.

Held on 5 May 2026, the Jakarta workshop continued QRC’s regional knowledge-sharing initiative across Southeast Asia, following the first edition of the series in Manila, Philippines.

The session provided participants with practical perspectives on securing modern payment environments, understanding evolving PCI requirements and building sustainable compliance programs.

Advancing Payment Security Knowledge in Indonesia

The rapid growth of digital payments has created new opportunities for businesses and consumers across Indonesia. At the same time, organizations operating within the payment ecosystem must address increasingly complex security risks, technology dependencies and compliance requirements. The Jakarta edition was designed to move beyond a checklist-based understanding of compliance and help participants explore how the different elements of the payment security ecosystem work together.

Discussions covered the protection of payment account data, software security, transaction authentication, cryptographic controls and the importance of maintaining security throughout the technology lifecycle.

Key Areas Covered During the Workshop

The workshop featured focused discussions across major PCI Security Standards and related payment security considerations.

PCI DSS v4.0.1 – Participants explored practical considerations related to PCI DSS v4.0.1, including scoping, control implementation, evidence management and the need to maintain security controls beyond the assessment cycle.

The discussion emphasized that effective compliance requires organizations to integrate payment security into daily operations rather than treat it as a one-time certification exercise.

Secure Software and Secure Software Lifecycle – With payment services increasingly dependent on applications, cloud platforms, APIs and connected technologies, software security has become central to protecting payment data. The session examined the importance of integrating security into software design, development, testing, deployment and maintenance. Participants also discussed how secure development practices can help identify vulnerabilities earlier and reduce risk throughout the software lifecycle.

PCI 3-D Secure – The workshop provided an overview of PCI 3DS and its role in supporting secure card-not-present transactions.

Participants gained a clearer understanding of the security considerations surrounding authentication systems, 3DS infrastructure and the software components involved in digital payment transactions.

PCI PIN Security – The session also covered PCI PIN Security requirements and the controls needed to protect personal identification numbers and associated cryptographic keys.

The discussion highlighted the importance of secure key management, controlled PIN-processing environments and the use of approved security equipment across payment infrastructures.

Point-to-Point Encryption – Participants explored how PCI Point-to-Point Encryption can protect payment account data from the point of capture to the secure point of decryption.

The workshop also examined the role of P2PE within a broader payment security strategy and its potential to reduce the exposure of sensitive payment data within merchant environments.

Connecting PCI Standards Across the Payment Ecosystem

A central theme of the workshop was the need to understand PCI standards as part of an interconnected payment security framework. While PCI DSS focuses on protecting account data within the cardholder data environment, other PCI standards address areas such as payment software, secure development practices, transaction authentication, PIN processing and encryption.

Understanding how these standards relate to an organization’s technology, services and business model can help teams:

• Define the correct compliance scope
• Identify applicable PCI standards
• Avoid duplicated security efforts
• Improve coordination across security, compliance and technology teams
• Build a more integrated assessment and certification roadmap
• Maintain stronger security between assessment cycles

This integrated approach is particularly relevant for banks, fintech companies, payment service providers, merchants, software vendors, processors and other organizations supporting the digital payment ecosystem.

Turning Compliance Discussions Into Practical Action

The interactive format enabled participants to discuss real-world challenges encountered while implementing and maintaining payment security controls. These conversations addressed issues such as changing technology environments, third-party dependencies, software vulnerabilities, unclear ownership of controls and the operational effort required to sustain compliance.

By combining technical perspectives with practical compliance considerations, the workshop helped attendees assess how PCI requirements can be incorporated more effectively into their broader cybersecurity and governance programs.

Continuing the SEA Trust & Compliance Series

The Jakarta workshop marked the second edition of QRC’s SEA Trust & Compliance Series and another important step in the initiative’s regional journey. Through upcoming editions, QRC will continue bringing together cybersecurity, risk, compliance and payments professionals across Southeast Asia to exchange knowledge, discuss emerging challenges and explore practical approaches to digital trust.

QRC thanks all participants, speakers and industry professionals who contributed to the Jakarta session and helped make it an engaging and valuable learning experience.

Strengthen Your Payment Security and PCI Compliance Program

Organizations operating across the payments ecosystem must ensure that the correct PCI standards are identified and applied across their people, processes, software and technology environments.

Connect with QRC Assurance and Solutions to discuss PCI DSS, PCI Secure Software, Secure SLC, PCI 3DS, PIN Security, P2PE and integrated payment security assessment requirements.