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Banking Jaman Now
Lilik Winarni
Senior Executive Vice President
Operation Strategy & Development Group
PT. Bank Central Asia, Tbk
This information is confidential and was prepared by GPOL-BCA solely for presentation; it is not to be relied on by any 3rd party without GPOL-BCA's prior written consent
Adoption technology in banking
Cardless Cash Withdrawal Change debit card Online account opening Robotic arm in cash operations Digital ATM Store
Digitalization at branch Dashboard - Digital Command Center Digital branch monitoring AI Chatbot
This information is confidential and was prepared by GPOL-BCA solely for presentation; it is not to be relied on by any 3rd party without GPOL-BCA's prior written consent
Adoption technology in banking
This information is confidential and was prepared by GPOL-BCA solely for presentation; it is not to be relied on by any 3rd party without GPOL-BCA's prior written consent
Adoption Technology: Hype or Reality?
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Internal Developer
AI Portals
AI-Augmented Software
Virtual Machine Learning Engineering Superapps
Assistant Block chain Generative AI
Smart Robot
5G 6G
Quantum
computing Digital twin of
a customer
Humanoid
Augment Working robot
ed Reality
2018 2024
Source: Gartner 2018 & 2024
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CASE STUDY
The Contour blockchain platform collapsed in November 2023
after being unable to secure enough funding from its bank
shareholders. Contour was a digital trade finance platform that
used blockchain to help banks and corporations issue, manage,
and process letters of credit (LCs).
What happened?
• Contour was unable to generate enough revenue to cover its costs.
• Contour was unable to attract enough users to its platform.
• Contour's bank shareholders pulled funding.
What was the impact?
• Contour's closure marked the end of a series of blockchain trade finance
platforms that failed to achieve the scale and interoperability needed for
long-term viability.
• Contour's closure left users with a short window to complete transactions
and download essential data.
What happened next?
• Contour was acquired by fintech company Xalts, which brought Contour's
network onto its platform.
Source: https://www.cttpartnership.com/cttblog/92ye63a11s32e4wk67zlfkahag1nd9
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A Satisfied Customer
is the Best Business
Strategy of All
Michael Leboeuf
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“Changing consumer behavior”
Past Jaman Now
BETTER
CHEAPER
FASTER
SAFER
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“Customer first: UX/UI”
User Experience
Design
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“The right people, define the right process,
and choose the right technology”
ORGANIZATIONAL
CULTURE
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Opportunities Vs. Challenges
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Adopt new technology
Opportunities Challenges
▪ Operation efficiency ▪ Cybersecurity risk
▪ Better customer experience ▪ Data privacy & security
▪ Fraud detection ▪ Governance & Compliance
▪ Faster loan processing ▪ Change management & generation gap
▪ Unlimited access to information ▪ System reliability
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Organizational Culture
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“To win in the marketplace,
you must first win in the
workplace”
ORGANIZATIONAL
CULTURE
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Ideas
• First-line maintenance – Augmented
technology: Sumiyati project
• EDC injection automation – AI+robotic
technology: RIA project
• Booking meeting room – QR technology:
Yumi project
BEFORE AFTER
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Technology is the best
when it brings
people+process together
Matt Mullenweg
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