In the midst of rapid development of technology and digitalization, payment systems have also been evolving. The constantly changing transaction mechanisms that demand fast and practical payments make cash payment roles progressively replaced by non-cash payment instruments. According to Bank Indonesia, in 2019 the value of cashless transactions reached Rp128 trillion, an increase of five times from 2014 which was around Rp3.3 trillion. This means that the evolution of payments is really happening right now.

Nowadays, payment systems are getting faster and more efficient thanks to the open banking scheme. With this practice, a bank can provide access to customer data and information to third parties through an API (Application Programming Interface) in accordance with their authority. Nevertheless, security factors should not be underestimated, especially when it concerns the use of customer information and data. Thus, BRIAPI as an open banking product for Bank BRI uses an API key as the first security gate.