Implementing TOGAF Enterprise Architec-ture in Indonesia’s Merchant Acquiring In-dustry: A Framework for Digital Trans-formation

The digital transformation of Indonesia's merchant-acquiring industry, accelerated by regulatory initiatives, fintech innovations, and changing consumer behavior, has created significant technological and organizational challenges. Fragmented legacy systems and complex regulatory requirements hinder seamless digital payment adoption. This study investigates the strategic implementation of The Open Group Architecture Framework (TOGAF) to systematically manage these challenges. Through an extensive literature review and case studies of major industry players—including BRI, BCA, Mandiri, BNI, and GoPay—this research uniquely explores TOGAF's specific applicability to merchant acquiring in Indonesia. The proposed TOGAF-based framework aligns closely with Bank Indonesia's Payment System Blueprint 2025, emphasizing enhanced interoperability, regulatory compliance, and sustainable growth. Findings suggest that enterprise architecture can unify fragmented technologies, bridge gaps in merchant activation, and strengthen cybersecurity, ultimately driving innovation in digital payment services. By providing a structured implementation roadmap tailored to Indonesia's regulatory environment, this research not only addresses current industry needs but also sets a foundation for future technological advancement and financial inclusion in Indonesia's merchant acquiring landscape.