Indonesia Edition

26 January 2027, Jakarta

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BY INVITATION ONLY

10DX Summit Indonesia Edition

Indonesian banks have spent a decade becoming digital. Tens of millions of customers now bank on mobile, QRIS and BI-FAST have made payments instant and cheap, and wallets and super-apps sit between the bank and its customer many times a day. The next phase is harder. OJK has set expectations for how AI is governed, third-party and data rules are tightening, and Bank Indonesia's roadmap adds new real-time infrastructure. Established banks have to turn digital scale into intelligent operations on legacy cores that still carry the business.

10DX Indonesia brings together the technology, digital, transformation, data and customer experience leaders of Indonesia's banks. Across five sessions, the programme examines how AI moves from pilot to accountable production, how the bank stays up on modernised architecture and trusted data, how customer data becomes real-time decisions, how banks connect to corporate ecosystems and shared payment rails, and which technology investments have earned their cost. It is an agenda for incumbents moving from digital to intelligent, and for the partners helping them turn scale into performance.

WHAT TO EXPECT

Event in Numbers

Attendees
75+
Banks & FIs
25+
Speakers
15+
Sponsors
10+

JOIN Your Peers

Who Attends

Chief Information Officer
Chief Technology Officer
Chief Digital Officer
Chief Data/AI Officer
Chief Info Security Officer
Head of Transformation
Head of CX
Head of Payments
Head of Innovation

SHAPE THE FUTURE

Why Attend

Trailblazing Content
Hear new ideas and learn about the latest trends and innovations reshaping the banking landscape.
Game-changing Solutions
Meet solution providers, soak in the innovation and discover new ways to future-proof your business.
High-Impact Networking
Network with the industry's movers and shakers and share real-world knowledge and experiences.

2027 Agenda

Turning Digital Scale into Performance
26 JANUARY 2027

0800 - 0900

Registration

0900 - 0905

Opening Remarks

0905 - 0935

Who Signs the Decision?

AI in Production, Accountability and the Intelligent Operating Model. AI has moved into production in Indonesian banks, mostly as copilots that help staff. The next step is software that decides and acts, and OJK has set expectations for how that is governed. Banks have to choose where autonomy is justified and who answers for it. The opening panel asks what turns a set of pilots into an accountable operating model.
  • OJK's AI governance demands reliability, accountability and human oversight. Where can a model decide alone, and where must a banker sign?
  • Most deployments augment staff rather than replace decisions. Which functions justify moving from copilot to autonomous workflow, and on what evidence?
  • Agentic AI is arriving through partners, cores and channels simultaneously. How does the bank maintain one accountable operating model across them?
  • Scattered pilots do not add up to a production capability. What must change in the bank's operating model for AI to become infrastructure?

0935 - 0950

How We Solved...

A practical case study on a real industry challenge, the approach taken, and results achieved.

0950 - 1020

Can the Bank Stay Up?

Resilience, Data and the Architecture Behind the Intelligent Bank. Indonesian customers notice an outage within minutes, and so do regulators. Intelligence depends on platforms that stay up, data that can be trusted and suppliers the bank can govern. New payment infrastructure raises the bar again. This session examines how banks without the largest budgets build resilience, and where data sits in the modernisation sequence.
  • Outages at regional and national banks cost customers, deposits and credibility. What does resilience look like without a top-four technology budget?
  • PADK 1/2026 tightens third-party governance, exit terms and OJK audit access. How does the bank scale cloud and external models within them?
  • Onshore data has been mandatory for years; AI-ready data has not. Where should the data foundation sit in the modernisation sequence?
  • New BI-FAST, ISO 20022 RTGS and Payment ID sit on Bank Indonesia's roadmap. What must the core deliver for real-time, intelligent operations?

1020 - 1025

The Room Speaks: Morning Pulse

A live audience pulse check capturing the priorities, pressures, and challenges shaping banking transformation today.

1025 - 1105

Networking Break

1105 - 1135

Whose Customer Is It?

Customer Data, Real-Time Decisioning and the Primary Relationship. Deposits follow whoever knows the customer best, and in Indonesia that is often a wallet or a super-app. Banks hold deep histories but struggle to act on them in the moment. The panel asks what it takes to turn fragmented records into real-time decisions, with customer consent intact, and how to tell whether personalisation changes behaviour.
  • CASA ratios fell as deposit competition intensified. How does the bank build one actionable customer profile from systems that were never connected?
  • Wallets and super-apps see the customer many times a day. Which bank decisions need to happen in real time to compete?
  • Next-best-action is now standard across leading apps; measurable revenue is still modest. What separates personalisation that pays from personalisation that adds noise?
  • The PDP Law and PADK 1/2026 require active consent for data use. How does consent carry through downstream data, models and partners?

1135 - 1150

How We Solved...

A practical case study on a real industry challenge, the approach taken, and results achieved.

1150 - 1220

Beyond QRIS: Where the Value Chain Lives

Corporate Platforms, Embedded Banking and Shared Payment Rails. Indonesian business runs through value chains: distributors, suppliers, platforms and payroll. Banks that sit inside those flows see risk and opportunity that others miss. Shared rails have made the payment itself a thin business. The discussion looks at how banks connect to ecosystems they do not own, and what the payments and data platform must do.
  • Loan growth is increasingly wholesale-led while value-chain platforms anchor relationships. How does the bank connect technically to ecosystems it does not own?
  • Buyer, supplier and payroll data reveal SME risk that standalone underwriting misses. Which data must the bank capture and reuse across products?
  • QRIS, BI-FAST and SNAP made rails shared and fees thinner. What must the payments platform do once the payment itself no longer pays?
  • Embedded banking places products on partner platforms while the bank keeps balance-sheet responsibility. Where should the bank build, partner or orchestrate?

1220 - 1235

How We Solved...

A practical case study on a real industry challenge, the approach taken, and results achieved.

1235 - 1305

Does Intelligence Pay?

Technology Debt, Automation and the Economics of Intelligent Banking. Indonesian banks have invested heavily in digital, and boards now want to know what it returned. Costs often rise before they fall, because old systems run alongside new ones. The closing panel weighs which technology investments have earned their cost, what should be retired, and how success should be measured beyond downloads.
  • Banks run old and new technology stacks side by side. What should technology leaders scale, standardise, consolidate or stop funding first?
  • Automation promises a lower cost-to-income ratio. Where has it actually removed cost, once exceptions, integration and human review are counted?
  • Scale has long decided which Indonesian banks can afford technology. How does intelligence change what scale buys for a mid-sized bank?
  • Boards still judge transformation through adoption and transaction counts. Which metrics should define success across customers, operations, risk and returns?

1305 - 1320

How We Solved...

A practical case study on a real industry challenge, the approach taken, and results achieved.

1320 - 1325

The Room Speaks: Closing Pulse

A final audience reflection measuring how perspectives shifted across the day's discussions and debates.

1325 - 1330

Closing Remarks and End of Summit

1330 - 1415

VIP Networking Lunch

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THE INDUSTRY'S TOP VOICES

Series Speakers

Lukman Hakim
Director of Digital & Operations
Bank Raya Indonesia
Firdila Sari
Director of Digital Banking
Bank Mega
Uli Agustina
Director, Digital Financial Assets
Otoritas Jasa Keuangan
Syahril Ramadhan
Director of Compliance
PPATK
Melisa Hendrawati
CFO
Superbank
Sufen Triantio
CFO
Bank Neo Commerce
Deasy Wulaningsih
Chief Financial Officer
Bank Maspion Indonesia
Umakanth Pai
Risk Director & Chief Risk Officer
Bank Jago
Lucky Herviana
Director of Product, Business & Commercial
CLIK (CRIF Indonesia)
Dedy Sahat
Head, Business Banking Strategy Office
CIMB Niaga
Lily Wongso
EVP Enterprise IT Architecture
Bank Central Asia
Fauzi Dwi Reza Aditya
SVP, Group Head of Product & Strategy
Superbank
Hendy Gunawan
SVP, Enterprise Data Governance
Bank Sinarmas
Mirza Adhyatma
SVP, Head Consumer Loan
Bank Sinarmas
Asa Vipana
Enterprise Legal Head
Bank Mandiri
Purnama Sulfa
Head of CISO Division
Bank Mandiri Taspen
Karthikeyan Muniappan
VP, Division Manager
UOB
Sigit Prihatmoko
VP Corporate Innovation
Bank Negara Indonesia
Durga Prasad Uppu
Deputy Division Head, ADV
Bank Negara Indonesia
Rahmananda
Head - Wholesale Digital Channel
PT Bank Negara Indonesia
Rani Astrianti
Head of Strategic Initiatives
Bank Mandiri
Tania Octavia
Digital Ecosystem Head
CIMB Niaga
Eric Rianto
VP of Cash Management Sales
HSBC
Yan Putro
Head of Digital Branch
Bank BTN

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