funds to their families as needed. BRI offers these services, but fishers must first open an account with the bank. Transaction fees would be significantly reduced once an account is established and remittances are sent directly to BRI. Regarding BRI’s presence in Taiwan, OMFR Secretary-General Huang Yu-jhong emphasized the convenience of low transaction fees and mobile banking services available to Indonesians who open accounts with the bank. However, he pointed out that most brokers and vessel owners are unaware of this option. He suggested that information on assisting fishers in opening bank accounts should be included in the regulations for overseas employment. Brokers also reported that making changes to their bank accounts or opening a new one while in Taiwan can be difficult if a fisher forgets their password or loses their documents. The Fisheries Agency currently does not allow such changes, as this falls under the jurisdiction of the MOL’s system. They hope for more flexible measures to address these issues. A Financial Supervisory Commission (FSC) representative clarified that foreigners opening bank accounts in Taiwan are not strictly required to have an ARC. “They can provide an ARC if they have one. However, a passport or any visa with entry authorization can also be used for those without one.” The FSC representative also suggested that it is still more convenient for vessel owners to directly remit salaries to the fishers’ home country bank account; even if distant water fishers open accounts in Taiwan, this allows fishers to transfer money to their families without incurring additional fees from first transferring funds to a Taiwanese account and then wiring them to their home country. BRI has established a branch in Taiwan, and its foreign exchange services have been operational since November 2022. Vessel owners can remit salaries to fishers who already have a BRI account. Liu Chih-chao, a researcher at the Fisheries Agency, mentioned that some vessel owners are also negotiating with another Indonesian bank, Bank Negara Indonesia 56