Jakarta. Artificial intelligence transformation in Indonesia’s financial sector is entering a new phase. Through its event “Indonesia AI Day for Financial Industry: Empower The Future of Indonesia’s Financial,” Indosat Ooredoo Hutchison reaffirmed its commitment to becoming a key architect of the country’s emerging “Intelligent Financial Era.”

Indosat Ooredoo Hutchison Director & Chief Business Officer Muhammad Buldansyah said the financial sector is among the most complex industries in terms of digitalization and therefore requires a reliable and mature technological foundation.

“The financial industry is essential for the nation and the public. We have moved from physical money to digital finance, and now we are entering the intelligent finance era. This stage can only work with trust and massive infrastructure,” Danny said.

He added that global changes in financial systems -- from the evolution of payment models to the rise of cashless societies -- require Indonesia to accelerate its digital transformation. He pointed to developments in China, where the ubiquity of digital transactions has contributed to lower crime rates as people no longer carry physical cash or cards.

Becoming an AI-Native Telco
During the forum, Indosat declared its transformation from a connectivity-driven telecommunications company into a digital enterprise powered end-to-end by AI.

“Indosat is positioning itself as an AI-native telco company. All of our processes are being built on AI, and after that we will extend AI-based services to the public,” Danny said.

Beyond internal adoption, the company is taking steps to become an “AI Nation Shaper,” a collaborative initiative to help Indonesia achieve its 2045 development vision. Indosat is working with the government, global industry players, and local ecosystems to advance AI innovation that is secure, inclusive, and impactful.

Data Infrastructure for the Financial Industry
Indosat identifies personalization as the most critical component of modern financial services. Each individual has different preferences, behaviors, and risk characteristics -- meaning financial products can no longer rely on mass-market, one-size-fits-all approaches.

“We provide scalable infrastructure with high data quality to support digital growth. Personalization is no longer optional -- it is a fundamental requirement in the intelligent finance era,” Danny noted.

Indosat ensures seamless transaction flows, data integration, and cross-platform connectivity -- forming a foundation for banking, insurance, and digital payments to deploy automated services, real-time risk detection, and AI-driven business models.

Collaboration as an Ecosystem Enabler
Danny stressed that AI will not eliminate jobs but will widen the gap between adaptive companies and those that fail to keep up.

“It’s not people who will be replaced -- companies that don’t use AI will be overtaken by those that do,” he said.

Through co-creation and co-development programs, Indosat is opening avenues for collaboration that enable the Indonesian financial industry to sharpen its competitive edge.

The event underscores Indosat’s commitment to scaling AI implementation, enhancing digital security, and accelerating the evolution of Indonesia’s financial system toward a fully intelligent finance ecosystem.