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FORMULIR SPONSOR DELEGATE ENQUIRY
FORMULIR SPONSOR FORMULIR DELEGASI

We’ve got it all.

The agenda is specially curated to bring out
the most pressing topics from the industry.

08:00 AM – 09:00 AM

REGISTRATION & NETWORKING COFFEE

09:00 AM – 09:15 AM

Steering Indonesia’s Financial Sector 2030: Stability, Supervision & Digital Acceleration Under New Regulatory Mandates

  • Aligning sector growth with the Financial Sector Development and Strengthening Act (UU No. 4/2023), which expands OJK’s supervisory authority and strengthens long-term financial system resilience
  • Interpreting OJK’s enhanced digital banking oversight, AI governance guidance, and IT risk management standards shaping financial institutions through 2026
  • Balancing innovation velocity with prudential discipline under Indonesia’s evolving macroprudential and digital asset regulatory frameworks

09:15 AM – 09:30 AM

The Embedded Finance Surge — How Banks Can Reclaim Strategic Control

  • Redefining the role of banks in ecosystem-driven distribution models
  • Structuring revenue-sharing models without eroding balance sheet strength
  • Evaluating whether embedded finance is margin-accretive or margin-dilutive in Indonesia

09:30 AM – 09:50 AM

Transforming Core Banking into an Open, Composable Platform for the API Economy

  • Deconstructing legacy, product-centric core systems into modular, API-native architectures capable of supporting real-time ecosystem integration
  • Designing operating models that enable secure data exchange, embedded financial capabilities, and scalable third-party collaboration
  • Converting core infrastructure into a flexible, innovation-ready platform that accelerates product deployment and ecosystem expansion

09:50 AM – 10:10 AM

Cloud as Critical Infrastructure: Re-Architecting Financial Services for Scale, Speed & Supervisory Confidence

  • Implementing multi-cloud resilience strategies amid increasing regulatory scrutiny
  • Addressing data localization, sovereignty, and third-party concentration risk
  • Enabling faster product deployment through API-first, cloud-native banking platforms

10:10 AM – 10:30 AM

AI Governance in Financial Services: From Experimentation to Accountable Intelligence

  • Establishing model risk management frameworks for generative and predictive AI systems
  • Managing algorithmic bias, explainability, and auditability in regulated environments
  • Embedding AI oversight within board-level governance structures

10:30 AM – 11:00 AM

Panel Discussion

Redefining Digital Transformation in Financial Services: The CIO’s Mandate Beyond Modernization

  • Moving digital transformation from system upgrades to enterprise-wide structural redesign that impacts capital efficiency, operational resilience, and competitive positioning
  • Aligning transformation initiatives with supervisory expectations on operational risk, data governance, and third-party oversight
  • Establishing transformation KPIs that measure productivity, cost-to-income improvement, and risk-adjusted return on technology investment

11:00 AM – 11:30 AM

NETWORKING BREAK & EXHIBITOR LOUNGE VISIT

11:30 AM – 11:40 AM

Indonesia’s Digital Banks at a Crossroads: Are Indonesia’s Digital Banks Headed for Consolidation?

  • Reassessing digital-only models under capital and profitability pressure
  • Managing unsecured lending risk in competitive digital markets
  • Evaluating consolidation scenarios and ecosystem alliances

11:40 AM – 12:00 PM

Cyber Resilience as Financial Stability: Managing Systemic Risk in a Digitally Interconnected Ecosystem

  • Addressing concentration risk across cloud providers, payment infrastructure, and third-party technology vendors
  • Integrating cyber stress testing into enterprise-wide operational resilience frameworks
  • Strengthening board oversight and regulatory reporting around systemic cyber exposure

12:00 PM – 12:30 PM

Panel Discussion

Data as Competitive Infrastructure: Designing Financial Institutions Around Intelligence Power

  • Converging customer, transactional, behavioural, and ecosystem data into a unified intelligence fabric that fuels every commercial decision
  • Embedding predictive and adaptive analytics directly into product design, pricing, personalization, and engagement engines
  • Transforming enterprise data strategy into a measurable driver of revenue expansion, customer lifetime value, and market differentiation

12:30 PM – 12:40 PM

Identity Under Attack: Securing Financial Authentication in the Era of Deepfakes & Synthetic Fraud

  • Deploying multi-layered biometric authentication to counter AI-generated spoofing and account takeover threats
  • Integrating biometric intelligence with real-time fraud analytics and national digital ID systems
  • Balancing frictionless onboarding with strict PDP Law, AML, and data protection mandates

12:40 PM – 01:40 PM

LUNCH BREAK

01:40 PM – 02:10 PM

Panel Discussion

Hyper-Personalization at Scale in Retail Banking: Balancing Precision, Privacy, and Profitability

  • Deploying predictive analytics to anticipate customer needs before transaction intent
  • Managing ethical AI considerations in credit, pricing, and cross-sell recommendations
  • Embedding consent management and transparency into personalization engines

02:10 PM – 02:30 PM

Are Super Apps Becoming Indonesia’s Real Financial Institutions? Platform Power, Distribution Control & the Future of Banking

  • Examining whether super apps are shifting from distribution partners to primary financial relationship holders, controlling customer data, engagement, and transaction frequency
  • Assessing how banks can compete for relevance when payments, lending, insurance, and wealth services are increasingly embedded within platform ecosystems
  • Evaluating regulatory implications as platform-led financial services scale — including licensing boundaries, prudential oversight, and systemic importance

02:30 PM – 02:45 PM

Cross-Border Payments Modernization: Building Regional Rails Without Compromising Sovereignty

  • Advancing interoperable settlement corridors across ASEAN
  • Reducing reliance on correspondent banking structures
  • Embedding compliance screening into real-time payment orchestration

02:45 PM – 03:15 PM

Panel Discussion

Deepening ASEAN Financial Integration: Aligning Infrastructure & Digital Innovation

  • Advancing interoperable payment systems and real-time settlement frameworks to strengthen regional trade and SME connectivity
  • Harmonizing supervisory standards across digital banking, data governance, and AI deployment to reduce regulatory fragmentation
  • Coordinating systemic risk monitoring as cross-border liquidity flows and ecosystem partnerships expand

03:15 PM – 04:30 PM

NETWORKING BREAK & VISIT TO EXHIBITOR LOUNGE

08:00 AM – 09:00 AM

REGISTRATION & COFFEE

09:00 AM – 09:15 AM

Indonesia’s Innovation Economy: Scaling Financial Services Through Intelligence, Platforms, and Digital Velocity

  • Leveraging AI, data orchestration, and platform ecosystems to accelerate financial product innovation and revenue expansion across Indonesia’s rapidly digitizing market
  • Enabling real-time decision-making environments that support consumer finance, micro-lending, wealth access, and embedded services at national scale
  • Positioning financial institutions as adaptive technology enterprises capable of competing within Indonesia’s super app and fintech-driven economy

09:15 AM – 09:30 AM

AI-Driven Hyper-Personalisation: Engineering Contextual Banking Experiences at Scale

  • Leveraging predictive analytics and behavioural modelling to dynamically tailor pricing, credit decisions, and engagement strategies
  • Embedding personalization engines across channels to optimize customer lifetime value and reduce churn
  • Balancing deep data utilization with transparency, consent management, and responsible AI deployment

09:30 AM – 09:50 AM

Next-Generation AML & Compliance: Building Intelligence-Led Financial Crime Defense

  • Converging KYC, transaction monitoring, and regulatory reporting into interoperable enterprise platforms
  • Deploying advanced detection models to detect complex mule networks, synthetic identities, and cross-channel fraud patterns
  • Reducing compliance cost burdens while enhancing supervisory auditability and reporting accuracy

09:50 AM – 10:10 AM

Mobile Banking Evolution: Architecting Secure, Frictionless and High-Performance Digital Engagement

  • Designing mobile-first infrastructure capable of supporting biometric authentication, embedded services, and real-time transaction environments
  • Integrating behavioural device intelligence and adaptive fraud monitoring into mobile ecosystems
  • Enhancing scalability and system resilience to support high-volume, always-on digital banking expectations

10:10 AM – 10:30 AM

Consumer Finance 2.0: Designing Agile, Technology-Driven Lending Platforms

  • Transitioning from manual, fragmented lending operations to streamlined, straight-through digital credit workflows
  • Deploying dynamic pricing and behavioural risk frameworks to enhance portfolio quality and borrower segmentation
  • Building scalable lending infrastructure capable of supporting high-volume digital demand without margin erosion

10:30 AM – 11:00 AM

Panel Discussion

Scaling AI Across Financial Services for Enterprise-Wide Value Creation

  • Moving AI beyond pilot initiatives into credit risk modelling, fraud detection, customer advisory, and operational optimization
  • Establishing governance structures that ensure model accuracy, fairness, and lifecycle performance monitoring
  • Measuring AI success through cost efficiency, growth acceleration, and risk mitigation outcomes

11:00 AM – 11:30 AM

NETWORKING BREAK & VISIT TO EXHIBITOR LOUNGE

11:30 AM – 12:00 PM

Panel Discussion

Digital Islamic Finance: Scaling Sharia-Compliant Banking Through Technology & Governance Innovation

  • Digitising Sharia products while preserving compliance integrity and centralized governance oversight
  • Leveraging technology to expand ethical finance across SMEs and underserved communities
  • Structuring Islamic finance solutions aligned with ESG, green sukuk, and halal ecosystem growth

12:00 PM – 12:20 PM

RegTech as Infrastructure: Embedding Regulatory Intelligence into the Digital Financial Enterprise

  • Automating regulatory reporting, audit trails, and supervisory disclosures through integrated data lineage frameworks
  • Deploying real-time compliance monitoring within digital product development and ecosystem partnerships
  • Reducing cost-of-compliance while strengthening transparency, accuracy, and supervisory confidence

12:20 PM – 12:30 PM

Sustainable Finance 2.0 — Moving from ESG Reporting to Green Revenue Generation

  • Financing Indonesia’s energy transition and carbon markets through structured banking products
  • Integrating ESG scoring into credit underwriting models
  • Positioning Indonesian banks in global sustainable capital flows

12:30 PM – 12:40 PM

Accelerating Innovation with Low-Code and No-Code Platforms in Regulated Environments

  • Empowering business teams to develop controlled digital solutions without increasing shadow IT risk
  • Integrating low-code development frameworks within enterprise security and compliance architecture
  • Reducing time-to-market for financial products while maintaining governance and operational stability

12:40 PM – 13:40 PM

LUNCH BREAK

13:40 PM – 14:10 PM

Panel Discussion

Experience-Led Transformation Across Financial Services: Converting Customer Intelligence into Enterprise Value

  • Designing unified experience architectures that connect lending, insurance, payments, wealth, and advisory journeys into a seamless digital ecosystem
  • Leveraging AI-driven behavioural analytics to anticipate customer needs and dynamically orchestrate interactions across channels
  • Embedding experience metrics directly into revenue growth, operational efficiency, and risk management frameworks

14:10 PM – 14:30 PM

Insurtech Innovation: Embedding Protection into Digital Financial Ecosystems

  • Modernizing underwriting and claims processing through advanced data analytics and automation frameworks
  • Integrating insurance seamlessly within digital banking, lending, and platform ecosystems
  • Expanding micro and usage-based insurance models through digital distribution channels

14:30 PM – 15:00 PM

Panel Discussion

Digital Wealth Management – Scaling Advisory Through Intelligent Platforms

  • Leveraging advanced portfolio analytics and digital advisory tools to expand access beyond traditional high-net-worth segments
  • Integrating hybrid advisory models that combine digital precision with relationship-based trust
  • Ensuring scalability, suitability, and regulatory transparency across diversified investor profiles

15:00 PM – 16:00 PM

NETWORKING BREAK & VISIT TO EXHIBITOR LOUNGE

*The above is a running agenda and is subject to change