AGENDA

Defending the Digital Rupiah: Cybersecurity, Fraud & the Regulatory Response to a New Threat Era

• Regulators are raising the bar on cyber resilience — new mandates are forcing banks to rethink their entire security
• How deepfake fraud, SIM-swap attacks, and AI-generated scams are outpacing existing detection frameworks
• How a coordinated national response is urgently needed — between regulatory authorities and the private sector

Financial Inclusion and Productive Growth: Unlocking Firm Productivity, Innovation, and Access to Finance for MSMEs in Indonesia

• Exploring how access to finance supports productivity growth, while recognising why credit expansion alone may not be enough to drive sustainable firm growth
• Enabling productive MSME and private-sector expansion through innovation, technology adoption, competitive markets, and stronger financial infrastructure
• Building ecosystems informed by international experience that help firms start, compete, grow, and scale through improved credit information and alternative-data access

Julián Casal

Senior Financial Sector Economist

The World Bank

AI in Banking: From Hype to Hyperscale — Real Deployments, Real Results

• Banks that have crossed from pilot to production are already seeing measurable gains – those still experimenting risk falling permanently behind
• Responsible AI is non-negotiable – governance, explainability, and bias-free models are now a regulatory and reputational imperative
• Generative AI in credit, compliance, and customer engagement is no longer theoretical – it is live and delivering results today

Trusted Context for AI + Data Governance

Every Finance Company in Indonesia right now is piloting/deployed AI agents on top of their core systems, but almost none of them can trace where the numbers those agents rely on actually came from. Trusted context is the missing layer between AI ambition and AI accountability: it means an agent’s output is only as reliable as the lineage, access controls, and governance behind the data it touches. As protocols like MCP become the standard way agents connect to enterprise systems, that connective tissue needs governance built in from day one, not retrofitted after an incident. This is also exactly what OJK’s IAKD Roadmap and emerging global standards like the EU AI Act are pointing toward when they talk about explainability. The banks that treat trusted context as core infrastructure, not an afterthought, will be the ones who can actually scale AI in production, while everyone else stays stuck in pilot purgatory.

Jatin Solanki

CEO

Decube

Winning the Digital Customer: Balancing AI, Trust & Growth in Financial Services

• Balancing AI-driven personalization and operational efficiency with customer trust, data security, and responsible innovation.
• Strengthening human connection by combining intelligent automation with empathetic, transparent, and customer-centric financial experiences.
• Driving sustainable customer growth through AI strategies that enhance engagement, loyalty, and long-term value.

Moderator

Showmic Sinha

SVP - Business Development

Teleperformance Indonesia

Hendro Lim

Vice President - Operations

Flip

Rooted in Trust, Built for Growth: The Competitive Future of Sharia Banking in Indonesia

• Assessing the road ahead after Islamic banking assets crossed Rp1,000 trillion in 2025, still under 8% of total banking assets
• Exploring how BSI-led consolidation is reshaping competition beyond compliance, toward product and experience
• Addressing what it takes to convert trust into lasting loyalty among digital-first customers

Scaling Trust — AI-Powered Threats in BFSIs: Moving Beyond Human Vigilance to Proactive Security

• The rise of AI is amplifying phishing and malware attacks, making breaches faster, more sophisticated, and harder to detect.
• Most data breaches stem from systemic vulnerabilities—not just user error—highlighting the need to address root causes.
• Future-ready security must focus on proactive, built-in protection mechanisms that do not rely solely on end-user awareness or behaviour.

Derek Lok

Director

Yubico

Open Finance 2.0: From Connectivity to Commercialization

• Exploring how financial institutions can monetize open finance beyond compliance requirements
• Examining emerging business models enabled by data sharing and ecosystem partnerships
• Understanding how customer trust and consent will shape the future of open finance

Data Analytics at the Speed of Business: Enabling Real-Time Banking

• Exploring the infrastructure and capabilities required for real-time intelligence
• Examining how analytics is transforming fraud management, customer engagement, and risk assessment
• Understanding how institutions can operationalize insights at scale

Hendy Gunawan

SVP, Enterprise Data Governance and Data Privacy Division Head

Bank Sinarmas

Cloud-Native Core Banking: Accelerating Transformation Without the Risk

• Why legacy core banking modernisation is now business-critical
• Microservices, APIs, and real-time processing architectures – giving banks the agility to launch new products in days, not months
• Full core banking migration no longer means downtime or disruption — modern cloud-native deployments have proven it can be done with zero customer impact

Wealth Management Reimagined: Democratising Investment in a Digital-First Indonesia

• The rise of retail investing: how digital platforms are unlocking wealth for millions
• Robo-advisory, AI-driven portfolio management, and hyper-personalisation
• Regulatory sandbox and wealth tech licensing: building investor trust

Breaking the Glass Ceiling: Women Redefining Leadership in Indonesian Financial Service

• Women remain underrepresented in FSI boardrooms — changing that is not a diversity agenda, it is a business imperative
• How female leaders are driving the most innovative digital, inclusion, and customer experience strategies across the sector
• The next generation of banking talent is majority female — can the industry build pipelines, mentorship, and culture to match?

Moderator

Sylvia Lazuarni

Acting CEO and CFO

Home Credit Indonesia

Merisa Darwis

Operations & Technology Director

PT Bank SMBC Indonesia Tbk

Astri Yunfia

Senior Vice President, Digital Banking Retail

Bank Syariah Indonesia

Lily Wongso

EVP Enterprise IT Architecture, Data Management & Service Quality

Bank Central Asia (BCA)