2025 AGENDA

0800 - 0900

Registration

0900 - 0905

Opening Remarks

0905 - 0935

PANEL DISCUSSION

Navigating the Digital Nusantara: Strategic Imperatives for Indonesian Banking

Indonesia’s banking sector serves 276 million across 17,000 islands, with 73% using mobile banking despite infrastructure gaps and 514 local regulations. Facing millions of monthly cyberattacks and heavy reliance on decades-old systems, banks must swiftly modernise to compete with agile fintechs. As Bank Indonesia enforces QRIS standardisation and ESG rules, can Indonesia's banks deliver Java-level innovation to Maluku's fishing communities without risking stability?

Which integration strategies can help Indonesian banks comply with varied local regulations while unifying systems across 514 districts?
How can Indonesian banks modernise legacy systems, ensuring reliability, cost effectiveness and compliance, and is hybrid cloud a viable option?
What approaches enable safe, responsible AI expansion for Indonesian banks, considering diverse regional regulations and ethical obligations?
Should banks pursue open banking collaborations, despite complex integration challenges and market dominance by large players?
Which cybersecurity measures best balance OJK compliance, protect consumer data, and preserve budgets for innovation?
How can Indonesian banks nurture local tech talent despite strict hiring rules, ensuring critical digital skills for sustainable growth and competitive advantage?

0935 - 0950

PRESENTATION

Lightbulb Moments

0950 - 1020

PANEL DISCUSSION

From Islands to Pathways: Advancing Financial Inclusion in Indonesia

As 14 million warungs embrace QRIS 2.0 and Starlink extends banking services to 98 islands, Indonesia’s financial sector faces complex demands. Core systems must fulfill Basel III liquidity rules, survive extreme weather, and meet calls for Sharia-compliant APIs in Aceh. Can banks refashion trillion-rupiah infrastructures into climate-resilient, culturally aware platforms that weave tsunami alerts into payment flows and arisan insights into AI lending models?

How can public-private partnerships maintain Starlink connectivity in remote areas during extreme weather while ensuring affordability?
What safeguards prevent fraud in QRIS 2.0 offline payments for low-literacy warung owners facing frequent connectivity drops?
How can mobile training retain 1.2 million low-income agents in flood-prone regions while incorporating OJK’s green finance KPIs?
What app features ensure seamless payment sync, disaster guidance, and basic digital literacy tutorials for farmers in local dialects?
How can Indonesia address socio-cultural barriers limiting women’s access to digital financial services, particularly in conservative regions?
How can financial hubs blend indigenous fishing/farming knowledge with fintech to design useful bundled loan-insurance products?

1020 - 1035

PRESENTATION

Lightbulb Moments

1035 - 1115

Networking Break

1115 - 1130

PRESENTATION

Lightbulb Moments

1130 - 1200

PANEL DISCUSSION

AI with a Soul: Ethics & Syariah in Credit Scoring

Indonesia’s $170 billion financial sector, where Islamic banking grows at 12% alongside conventional systems, faces an ethical reckoning: crafting AI tools that serve 275 million people across 672 ethnic groups and 17,000 islands. From Jakarta’s fintech hubs to Lombok’s women-led arisan collectives, can these algorithms reconcile Syariah’s prohibition of gharar with gender equity, regional autonomy, and Pancasila’s pluralism? How can an ethical AI framework protect both seaweed farmers and urban millennials from algorithmic bias?

How should AI systems automatically adapt to new religious rulings on financial uncertainty in industries like seaweed farming?
What secure data exchange tech enables compliance with both regional Islamic rules and OJK’s ESG reporting APIs?
How can banks better recognise women’s informal savings groups in credit assessments while preventing bias against female entrepreneurs?
Which chatbot approaches balance local negotiation customs with practical loan recovery in low-internet areas?
How can banks align AI systems with national ethics standards, global principles, and regional Syariah councils’ rulings while controlling costs for rural communities?

1200 - 1215

PRESENTATION

Lightbulb Moments

1215 - 1245

PANEL DISCUSSION

Beyond Digital Interfaces: Human-centric CX Strategies in Indonesian Banking

Indonesia’s banking sector faces a pivotal challenge: a vast majority of Indonesians still value in-person banking relationships, yet digital transactions have surged 400% since 2020. This tension between tradition and innovation reflects deeper cultural trust in cash, generational divides, and the urgency to include 66 million unbanked citizens. As banks race to adopt AI, blockchain, and super-app partnerships, how can they preserve the human touch while building inclusive, secure digital bridges for all?

How can Indonesian banks build digital trust in a cash-dominant society while accelerating financial inclusion?
What innovative CX approaches can serve Indonesia’s unbanked without compromising security?
How should banks navigate AI personalisation while respecting Indonesia’s new data privacy laws?
What operational models enable collaboration between banks, fintechs, and Gojek/Grab while standardising APIs for ESG data sharing?
What emerging technologies best future-proof CX for Indonesia’s youth without sacrificing elder customers’ needs?

1245 - 1300

PRESENTATION

Lightbulb Moments

1300 - 1400

VIP Networking Lunch

1400 - 1430

PANEL DISCUSSION

Seamless Future: Next-Gen Payments for Indonesia

Indonesia's payment ecosystem pulses with potential as 65 million unbanked citizens join real-time transfers and QR code revolutions. Bank Indonesia's sandbox approach nurtures blockchain pilots while enforcing anti-fraud safeguards, creating a high-stakes dance between disruptors and guardians. As banks digitise village-level services but face e-wallet giants, one question looms: Can shared infrastructure become the tide that lifts all boats?

How can banks and fintechs collaborate to overcome interoperability challenges while maintaining competitive differentiation?
What strategies ensure compliance with evolving BI regulations without stifling payment innovation?
How should banks address cybersecurity risks as real-time and cross-border payments expand?
What role do traditional banks play in driving financial inclusion amid rising dominance of e-wallets?
Can blockchain and CBDCs solve infrastructure gaps in Indonesia’s fragmented payment landscape?

1430 - 1445

PRESENTATION

Lightbulb Moments

1445 - 1515

PANEL DISCUSSION

Gotong Royong 2.0: Collaborative Ecosystems in Indonesia's API Economy

With 45% of adults unbanked and 92 million reliant on cash, banks must navigate island connectivity gaps while respecting arisan savings circles and warung credit networks. As cyberattacks surge 43% and 127 fintechs emerge, how can Indonesia’s financial players forge an Open Banking ecosystem that doesn’t just replicate global models but amplifies the bangga (pride) in local financial DNA?

How can Indonesia’s Open Banking framework prioritise innovation while safeguarding consumer data and maintaining financial stability?
What strategies should traditional banks adopt to partner with fintechs without compromising their market position?
How can Open Banking address Indonesia’s unbanked population while respecting cash-based and communal financial practices?
What steps are critical to building consumer confidence in data sharing amid rising cybersecurity threats?
How can Open Banking solutions be tailored to align with Indonesia’s unique digital adoption patterns and BI’s API standards for ESG data flows?

1515 - 1530

PRESENTATION

Lightbulb Moments

1530 - 1600

PANEL DISCUSSION

Cyber Resilience in the Digital Age: Securing Indonesia's Financial Ecosystem

Indonesia's digital banking boom faces unprecedented cyber threats, exemplified by the 2025 Bjorka ransomware scare targeting major banks. With 88% of attacks involving data leaks and as AI deepfakes and insider risks escalate, how can banks build cybersecurity frameworks that are both tech-smart and community-rooted - turning OJK mandates into competitive advantages while keeping Indonesia’s unique socio-cultural fabric intact?

How can Indonesian banks strengthen public-private partnerships to combat cross-sector cyber threats like ransomware and data breaches?
What steps should banks prioritise to balance compliance with BI’s cyber resilience mandates and the pressure to innovate rapidly?
How can Indonesia address its cybersecurity talent gap while mitigating insider threats and human-error vulnerabilities?
In an AI-driven era, how can banks leverage automation to counter deepfake fraud without amplifying ethical or operational risks?
What frameworks can rebuild customer confidence after cyber incidents while maintaining seamless digital banking experiences?

1600 - 1605

Closing Remarks

1605 - 1620

DigiBank Awards

INDONESIA EDITION

29 APRIL 2025, JAKARTA

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