2025 AGENDA

0800 - 0900

Registration

0900 - 0905

Opening Remarks

0905 - 0935

PANEL DISCUSSION

The Future of Indonesian Banking: Balancing Innovation, Regulation and Trust

Indonesia’s digital banking sector is at a crossroads. With rapid adoption of mobile banking and rising competition from fintechs and superapps, banks face unprecedented pressure to innovate while managing regulatory evolution and cybersecurity risks. Serving a market of 270 million people spread over 17,000 islands, how can Indonesian banks develop resilient strategies that turn them into digital powerhouses driving the future of finance in Southeast Asia's largest economy?

How can banks accelerate legacy system modernisation to ensure integration, maintain customer trust, and minimise disruptions in Indonesia’s digital ecosystem?
What innovative approaches can banks adopt to balance compliance with rapid transformation while keeping digital strategies agile in Indonesia’s market?
How can banks integrate cybersecurity into digital roadmaps, ensuring threat mitigation is embedded in innovation strategies for Indonesia’s banking landscape?
How can banks foster partnerships with fintech innovators to enhance digital offerings, drive efficiency, and meet expectations in Indonesia’s landscape?
What metrics should banks establish to evaluate transformation success, ensuring innovation investments yield measurable improvements in satisfaction and operational resilience?

Hendrawati, Melisa, CFO, Superbank
Krishna, Prashant, Director, Strategy & Business Design, Monitor Deloitte
Oummouy, Reda, Chief Marketing, Sales & Innovation Officer, Adria B&T
Prihatmoko, Sigit, VP Corporate Innovation, Bank Negara Indonesia
Putro, Yan, Head of Digital Branch, Bank BTN
Sari, Firdila, Digital Banking Director, Bank Aladin

0935 - 0950

PRESENTATION

Accelerating Digital Banking Innovation in Indonesia with Tencent Cloud

Hu, Anson, Business Director, Tencent Cloud Indonesia

0950 - 1030

NETWORKING

Networking Break

1030 - 1100

PANEL DISCUSSION

Bridging the Nusantara: Advancing Financial Inclusion in Indonesia

Although digital banking has leapfrogged traditional barriers, an estimated 64 million Indonesian citizens remain unbanked, and resource-constrained rural entrepreneurs continue to struggle with fragmented services. As fintech bridges urban-rural divides, how can banks reimagine partnerships, technology, and trust-building to ensure every corner of the archipelago benefits from accessible financial services?

How can banks use digital platforms to create financial solutions that overcome connectivity and language barriers, ensuring access for remote communities?
What strategies can banks use to forge partnerships integrating mobile technology, community outreach, and analytics to bridge rural financial gaps?
How should banks balance innovative digital inclusion initiatives with limited budget, infrastructure, and evolving regulatory constraints in Indonesia’s diverse regions?
As regulators push for open banking, how can CXOs balance compliance with rapid innovation to outpace predatory lenders?
What steps can banks take to incorporate community feedback into financial technology design, ensuring needs and cultural nuances drive innovation?

Adhyatma, Mirza, SVP, Head Consumer Loan, Bank Sinarmas
Adnan, Arif Ilham, Co-Chair, Association of Digital Leaders
Anggriawan, Ferdi, VP of Growth, Allo Bank
Herviana, Lucky, Chief Digital Transformation Officer, PT CLIK
Karnengsih, Asih, Executive Director, Blockchain Indonesia
Mustafa, Luthfian Aeni, Senior Consultant, Deloitte Digital SEA
Wulaningsih, Deasy, Chief Financial Officer, Bank Maspion Indonesia

1100 - 1115

PRESENTATION

Lightbulb Moments

Sihaloho, Franz, Country Director, Braze

1115 - 1145

PANEL DISCUSSION

Ethical by Design: AI for Indonesia’s 2045 Vision

As Indonesia accelerates toward its 2045 digital economy vision, banks face a dual mandate: harness AI’s transformative power while ensuring fairness and Syariah compliance. With 87% of Indonesians identifying as Muslim, ethical AI isn’t just regulatory - it’s cultural. Can banks innovate at scale without compromising maqasid al-Sharia (Islamic ethics) or widening financial exclusion? This panel explores balancing cutting-edge AI with Indonesia’s unique socio-religious fabric.

How can banks integrate Syariah principles into AI strategy development to embed ethical guidelines and public accountability throughout technology deployment?
What frameworks can banks adopt to assess and mitigate AI biases, ensuring fair credit scoring effectively in Indonesia’s diverse market?
How should banks tailor AI innovation to address underserved communities’ needs, ensuring financial services remain accessible, ethical, and culturally aligned?
What performance indicators can banks establish to evaluate AI initiatives’ success while ensuring fairness and Syariah compliance in customer experience?
How can banks develop transparent communication strategies for AI decision-making, ensuring customers understand and trust ethical considerations underpinning financial services?

El Himam, Muhammad Neil, Deputy Chairman for Digital and Creative Technology, Ministry of Creative Economy
Muniappan, Karthikeyan Durga Prasad Uppu, VP, Division Manager, Bank Negara Indonesia
Renaldi, Raine, Chief Digital Asset Committee, KADIN
Wongso, Lily, EVP, Enterprise IT Architecture, Bank Central Asia
Yustiawan, Yoga, AI Research Lead, Bank Rakyat Indonesia

1145 - 1200

PRESENTATION

Transforming Digital Banking by Adria B&T

Oummouy, Reda, Chief Marketing, Sales & Innovation Officer, Adria B&T

1200 - 1300

NETWORKING

VIP Networking Lunch

1300 - 1315

PRESENTATION

How Bank Card Issuers Can Deliver Hyper-Personalised Experiences at Fintech Speed

Frankel, Norman, Chief Growth Officer, Stanchion Payment Solutions

1315 - 1345

PANEL DISCUSSION

Beyond QR Codes: Crafting Indonesia’s Future-Ready Payment Ecosystem

Indonesia’s payment landscape is evolving rapidly, driven by innovative QR systems, digital solutions, and emerging superapps across the archipelago. Banks now face the dual challenge of fostering secure, seamless transactions while overcoming local infrastructure constraints. How can banks create an agile, inclusive payment ecosystem that delivers next-gen payments innovations to warungs in Sulawesi as well as e-commerce giants in Jakarta?

How can banks design cross-border payment frameworks leveraging regional linkages while addressing archipelago challenges and ensuring interoperability across local infrastructures?
What measures can banks implement to evolve QR systems into comprehensive tools for financial education and SME empowerment in Indonesia?
How should banks integrate cybersecurity protocols into payment innovations to secure transactions without stifling agility for market adaptation in Indonesia?
What collaborative models can banks pursue with technology vendors and regulators to streamline API governance while ensuring security and flexibility?
How can banks develop indicators to measure payment innovations’ impact on customer adoption, transaction efficiency, and financial inclusion in Indonesia?

Devina, Catherine, Digital Product Head, Bank Ina
Hakim, Lukman, Technology Digital & Operations, Bank Raya Indonesia
Putro, Yan, Head of Digital Branch, Bank BTN
Rianto, Eric, VP of Cash Management Sales, HSBC
Triantio, Sufen, CFO, Bank Neo Commerce

1345 - 1400

PRESENTATION

When Failure Isn't an Option: Architecting Resilient Financial Systems with CockroachDB

Raina, Ankur, Principal Sales Engineer, Cockroach Labs

1400 - 1430

PANEL DISCUSSION

Gotong Royong 2.0: Unlocking Collaborative Ecosystems in the API Economy

Indonesia’s digital economy thrives on gotong royong - collective action rooted in communal trust. As banks navigate the API-driven landscape, collaboration between fintechs, regulators, and legacy institutions is critical to democratize financial access across the archipelago. Yet, siloed systems and competing priorities risk fragmenting progress. Can Indonesian banks lead the Open Finance revolution that doesn’t just replicate global models but amplifies the bangga (pride) in local financial DNA?

How can banks shift from transactional API models to ecosystems that foster innovation and address financial inclusion challenges in Indonesia?
How can banks collaborate with technology vendors and regulators to optimise API governance, ensuring both robust security and operational flexibility?
What safeguards should banks implement to ensure data integrity and trust when deploying APIs across platforms and frameworks in Indonesia?
How can banks develop agile API strategies to facilitate data exchange and support integration of emerging financial technologies in Indonesia?
How can banks establish metrics to gauge the societal impact of API ecosystems, ensuring innovations drive benefits beyond traditional ROI?

Filemon Sendy, Director of IT & Digital Experience, Bank Sinarmas
Ompusunggu Naek, Tech Principal, Digital Ecosystem for Banking
Gunawan Tjandra, Managing Director, PT TnJ Global Consulting

1430 - 1445

PRESENTATION

Resiliency & Scalability on Digital Banking Platform by PingCAP

Nugroho, Arwinto, Country Director, PingCAP

1445 - 1515

NETWORKING BREAK

Networking Break

1515 - 1530

PRESENTATION

MoEngage for Financial Services

Simangunsong, Roy, Country Head, MoEngage

1530 - 1600

PANEL DISCUSSION

Wayang Meets Wallet: Crafting Human-Centric CX for Indonesia’s Digital Future

As Indonesia’s digital banking adoption surges, institutions must balance hyper-personalised tech with the archipelago’s communal values. From Java’s pasar tradisional to Papua’s remote entrepreneurs, customers expect services that respect local nuances while delivering global-grade innovation. How can banks architect CX strategies that honour Indonesia’s cultural DNA, while ensuring seamless omni-channel experiences across super-apps, warungs, and rural banking agents?

How can banks design AI-powered interfaces that personalIse customer engagement while preserving traditional communal values and cultural heritage?
What metrics can banks implement to measure customer engagement across Indonesia’s digital touchpoints, ensuring culturally relevant service improvements?
How should banks reimagine omni-channel strategies to integrate superapps and digital platforms, enhancing customer experiences in urban and rural Indonesia?
What process improvements can banks champion to empower staff in adopting digital tools, ensuring training aligns with local cultural realities?
How can banks foster partnerships with local organisations to drive innovation, ensuring service solutions are community-driven and scalable in Indonesia?

Andika, Anky, Sales Lead, Indonesia, Telesign
Astrianti, Rani, Head of Strategic Initiatives, Bank Mandiri
Kusumaningtyas, Theresia, Division Head PC LD, Permata Bank
Sahat, Redy, EVP, Head of Digital Economy, CIMB Niaga
Setiawan, Pardi, AVP, International Remittance, PT Bank Syariah Indonesia
Simangunsong, Roy, Country Head, MoEngage
Uppu, Durga Prasad, VP of Application Development, Bank Negara Indonesia

1600 - 1615

PRESENTATION

Face Forward: Building Trust and Security in Digital Banking through Advanced Facial Recognition

Shiryaev, Nikolai, BD Director (Southeast Asia), VisionLabs

1615 - 1645

PANEL DISCUSSION

Cyber Call to Arms: Securing Indonesia's Digital Banking Future

With over 73 million active mobile banking users powering its digital revolution and 379 million attempted cyberattacks recorded in 2024, Indonesia faces high-stakes cybersecurity challenges. Banks must build robust, adaptive defences without stifling innovation. This panel explores the tightrope walk between digital growth and bulletproof security in ASEAN's hottest digital banking market.

How should banks redesign frameworks to mitigate cybersecurity vulnerabilities from vendor ecosystems while ensuring resilience and customer trust?
What crisis response strategies can banks deploy to recover from cybersecurity breaches while ensuring communication, restoration, and compliance?
How can banks evaluate AI-based threat detection systems to justify their costs when high false positive rates challenge cybersecurity operations?
How can banks implement zero-trust security models to enhance cyber resilience while preserving customer experience in Indonesia’s digital banking environment?
How can banks build cybersecurity talent pipelines to ensure human capital investments translate into enhanced defence capabilities and digital innovation?

Bachtiar, Goutama, Director of IT Advisory, Grant Thornton Indonesia
Kurniawan, Krisna, VP Compliance & Risk, Bank Mandiri
Putra, Adrianto Hendra, CISO, Major Financial Institution
Sulfa, Purnama, Head of CISO Division, Bank Mandiri Taspen
Vipana, Asa, Deputy Group Head, Bank Mandiri

1645 - 1700

Closing Remarks

INDONESIA EDITION

10 FEBRUARY 2026, JAKARTA

INDONESIA'S PREMIER EVENT ON DIGITAL BANKING TRANSFORMATION

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