Registration

Opening Remarks

From Legacy to Lighthouse: Competing in Indonesia's Profitability-Proven Digital Economy

• Should banks build proprietary digital ecosystems or integrate into super-apps, and what factors determine this strategic choice?
• How can banks leverage unique assets - trust, regulatory licenses, balance sheets - to avoid commoditisation by GoPay and ShopeePay?
• With digital banks achieving profitability through discipline rather than scale, should incumbents prioritise defending high-margin segments over market share?
• As ecosystem lending replaces P2P (Crowde revoked, 2.77% defaults), should banks prioritise BaaS API revenue or direct relationships?
• How can banks phase legacy core modernisation without disrupting services for 50 million customers relying on existing systems?
• What metrics indicate successful transformation: profitability per user, retention rates, or product cross-sell penetration?

The Last-Mile Frontier: Profitable Financial Inclusion in the Digital Age

• What fee structures and new services keep agents profitable while maintaining rural customer affordability?
• How can banks leverage arisan groups, PKK associations, and religious gatherings to accelerate agent-based financial inclusion?
• What regulatory reforms would allow agent-based fully-digital onboarding using Dukcapil integration in remote villages?
• What offline-first mobile banking features are essential for thousands of villages lacking real-time connectivity?
• How can banks train agents as trusted financial advisors using musyawarah-style consultation rather than transactional sales?
• Should agents become digital rupiah distribution infrastructure for regional currency flows, expanding beyond traditional transaction processing?

Coffee & Networking

The Trust Trifecta: AI at Scale, Syariah Innovation, and Data Protection

• How should banks implement MAS-OJK AI governance while balancing deployment velocity against maturity gaps?
• How can banks integrate Syariah principles into AI credit scoring while ensuring transparency mandated by UU PDP?
• What technical frameworks enable profit-sharing models at checkout scale for embedded Sharia finance in super-apps?
• How can banks strengthen biometric security for thousands of institutions accessing Dukcapil data while maintaining instant onboarding?
• What crisis response strategies ensure UU PDP compliance and maintain public trust after major data breaches?
• Can Indonesia create a global Islamic fintech hub combining Shariah compliance with Southeast Asia's largest Muslim population?

Networking Break & Lunch

The Digital Rupiah Revolution: From Payment Rails to Monetary Sovereignty

• How does Indonesia's bond-backed digital rupiah model change our position in ASEAN monetary integration and cross-border settlement?
• What revenue models emerge when CBDC reduces payment intermediation fees, and how should banks prepare for margin compression?
• Should banks position agents and QRIS terminals as digital rupiah distribution infrastructure for regional currency flows?
• What technical preparations must banks prioritise for wholesale digital rupiah integration with core banking systems?
• With low-fee mandates on BI-FAST and zero-MDR QRIS, what value-added services drive sustainable revenue?
• What collaborative fraud detection mechanisms can banks implement without breaking BI-FAST's 24/7 instant service promise?

The Indonesian Paradox: Navigating Wallet Stacking, Super-App Warfare, and Human Connection

• As three ecosystems gain disproportionate influence, should banks double down on selective partnerships or keep a neutral stance?
• Given that Indonesians actively stack multiple e-wallets for cashback, should banks compete or enable interoperability?
• How can banks embed services into TikTok Shop's social commerce workflows generating billions in GMV?
• How will new BNPL regulations mandating minimum income affect youth credit access amid rising consumer debt?
• What assisted digital models balance elderly independence with support for non-smartphone-native populations preferring branch interactions?
• What metrics measure customer engagement across Indonesia's diverse digital and physical touchpoints effectively

Coffee & Networking

The Banking Security Imperative: Defending Indonesia's Digital Financial Infrastructure

• What practical zero-trust implementation roadmaps work for Tier-2 banks facing Indonesia's cybersecurity talent crisis?
• Facing Advanced Persistent Threats from nation-state actors, should banks create formal threat-sharing consortiums as coordinated national defence strategy?
• How do banks balance SNAP API innovation with customer consent management and vendor risk across hundreds of applications?
• How should banks deploy AI behavioral analytics and anomaly detection to identify novel threats that signature-based tools miss?
• How can autonomous security AI agents that detect AND respond to threats be integrated into existing SOC workflows without creating new operational risks?
• How can Indonesian banks leverage global cloud AI services while satisfying strict OJK onshore data residency requirements?

Closing Remarks and End of Summit