Payment Service Providers (Penyedia Jasa Pembayaran ─ "PJP") This group includes activities related to the provision of payment services to end-users of Payment System services on the front end, covering activities including, among others: displaying information about sources of funds; initiating transactions/acquiring (electronic wallets, acquirers and payment gateways); issuing payment instruments/accounts; remittance/fund transfer services. 66412 Payment System Infrastructure Providers (Penyelenggara Infrastruktur Sistem Pembayaran ─ "PIP") This group includes activities related to the operation of payment system infrastructure which is primarily used to facilitate PJP transactions, both for the PJP's own interests and the interests of the end-user, covering activities which include, among others, performing functions as a principal,