Most people think of NFC (Near Field Communication) as the technology behind tap-to-pay or topping up e-money cards like Flazz and Mandiri e-Money. But in Indonesia, NFC also powers something far more critical: chip-level ID verification through the e-KTP.
With the right application—like Anti Forgery ID—a smartphone can transform into a fraud detection device. This article unpacks how e-KTP’s chip differs from e-money chips, how NFC is used worldwide, and why the technology is vital in fighting identity fraud.
NFC for Identity: Secure by Design
NFC allows two devices to exchange data securely over short distances. While consumers mostly use it for payments, governments worldwide rely on NFC standards (ISO 14443 A/B) to safeguard electronic IDs and passports.
Every Indonesian e-KTP contains an NFC-enabled chip that holds:
- Biodata
- Photo
- Digital signature
- Two fingerprints
Unlike a payment card, the e-KTP chip is encrypted and requires authorized authentication before access, making it a secure digital vault of identity.
e-KTP Chip vs. E-Money Chip: What’s the Difference?
Not all NFC cards are equal. Here’s how e-KTP chips differ from e-money chips like Flazz or Mandiri:
Think of it this way: the e-KTP chip is a vault, while e-money chips are wallets. Both use NFC, but the stakes are very different.
Global Adoption: NFC for ID Verification
Indonesia is not alone. Across Europe and Asia, NFC is already used for e-passports and digital IDs. Companies like ReadID, IDnow, and Sumsub provide NFC verification for governments and businesses.
This proves the technology is far from outdated—it is evolving into a global standard for secure identity verification. The challenge lies in consistent rollout, user-friendly apps, and privacy protection.
Anti Forgery ID: Bringing Forensic Verification to Your Phone
Fraudsters are increasingly sophisticated. Holograms and printed text can be forged—but the chip cannot lie.
Anti Forgery ID uses smartphone NFC to read and validate the e-KTP chip, instantly revealing whether a document is authentic or altered. This bridges the gap between national ID infrastructure and daily business use cases in:
- Banking and fintech
- Government verification
- Loan and credit approval
- Customer onboarding
With Anti Forgery ID, a regular phone becomes a forensic-grade verification tool. The Future of Chip-Based Verification Globally, e-ID chips continue to advance with:
- Larger storage for multiple credentials
- Stronger encryption (AES, ECC)
- Certifications like Common Criteria for tamper resistance
- Biometric and liveness integration
Indonesia’s e-KTP chip already aligns with these international standards. The next step is broader adoption—making ID checks simple, safe, and reliable through solutions like Anti Forgery ID.
Conclusion: NFC as a Fraud Shield
NFC isn’t just about fast payments. The chip inside Indonesia’s e-KTP enables forensic-grade ID verification, protecting citizens and businesses from identity fraud.
While e-money chips serve as convenient wallets, the e-KTP chip functions as a secure vault. By tapping into that chip, Anti Forgery ID ensures businesses can verify identities with confidence—turning smartphones into a shield against fraud.
If you’re looking to integrate this system and strengthen both security and efficiency, reach out via our contact page. Our team is ready to assist you.
Last modified: September 15, 2025
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