AI Bakal Jadi Masa Depan Bisnis Perbankan, Cek Faktanya!

Summary

The video discusses strategies for developing IT teams to support digital transformation, focusing on continuous staff training in both soft and hard skills, including certifications. Key trends in digital payments are highlighted, such as the rise of AI for improved security, biometric authentication, and NFC contactless payments. Challenges include AI-driven cyberattacks, the need for stronger collaboration between financial institutions and regulators, and the importance of enhancing people’s cybersecurity awareness. The concept of Zero Trust is emphasized as vital for securing personal data and preventing unauthorized access.

Takeaways

• 😀 Employee development is a top priority for the bank, focusing on continuous training in both soft and hard skills.
• 😀 Soft skills training includes leadership, project management, and communication, aimed at enhancing employee capabilities.
• 😀 Technical skills training for the IT team is critical, especially with the bank's diverse and complex systems and devices.
• 😀 Certifications play a key role in developing staff, particularly those related to specific job areas within the IT field.
• 😀 Job rotations and job-in training help employees understand the broader impact of their roles and processes from end-to-end.
• 😀 In the next 5 to 10 years, artificial intelligence (AI) is expected to dominate digital payment systems, particularly in enhancing security and detecting anomalies.
• 😀 Biometrics is becoming an essential component in digital payment security, offering an additional authentication factor to improve safety.
• 😀 Contactless payments, such as NFC and QR codes, will see further adoption in the future, aligning with Indonesia's digital payment roadmap.
• 😀 The main challenge in developing innovative digital payment systems is dealing with increasingly sophisticated AI-driven cyberattacks.
• 😀 Strong collaboration between financial institutions and regulators is crucial for ensuring effective digital payment systems, focusing on alignment in regulations, security standards, and interoperability.
• 😀 Raising awareness about cybersecurity and fostering a mindset of 'zero trust' is essential to prevent unauthorized access and data breaches.

Q & A

How does the organization focus on developing IT team capabilities?

The organization focuses on developing IT team capabilities through a combination of soft skills training (e.g., leadership, project management) and hard skills training, particularly in technology. They also offer certifications, job rotations, and job-in-training programs to expand their team's technical expertise.

Why is it important for IT teams to have certifications and technical skills?

Certifications and technical skills are essential for IT teams because they help ensure that employees can handle the complex technologies and systems in place, including thousands of devices with various brands and types. These skills help maintain operational efficiency and security.

What are the benefits of job rotations and job-in-training programs for employees?

Job rotations and job-in-training programs provide employees with a comprehensive understanding of different roles and processes within the organization. This helps them see the bigger picture and the impact of their work, which improves their performance and engagement.

What trends are expected to dominate digital payments in the next 5 to 10 years?

Key trends in digital payments include the growing use of Artificial Intelligence (AI) for security and transaction optimization, biometric authentication for multi-factor security, and the further adoption of contactless payments through technologies like NFC and QR codes.

How does AI contribute to enhancing digital payment security?

AI enhances digital payment security by analyzing transaction patterns, detecting anomalies, and improving the speed and effectiveness of security responses. It can also help identify fraud and security threats more quickly and accurately.

What role will biometrics play in the future of digital payments?

Biometrics will play an increasing role in digital payments by offering additional authentication factors, such as fingerprint or facial recognition, which provide stronger security and reduce the risk of fraud in digital transactions.

What is NFC, and how is it related to digital payments?

NFC (Near Field Communication) is a technology used for contactless payments, allowing transactions to be made via smartphones or smartwatches. It is a convenient and secure method for handling digital payments, and its adoption is expected to grow significantly.

What challenges are faced in the development of innovative digital payment systems?

Challenges include the potential misuse of AI by cyber attackers to launch sophisticated attacks, the need for stronger collaboration between financial institutions and regulators to ensure security and interoperability, and increasing concerns about people's awareness of cybersecurity threats like phishing and social engineering.

How can collaboration between financial institutions and regulators improve digital payment systems?

Collaboration is essential for aligning regulations, technical standards, and security measures across the financial ecosystem. It also helps ensure the interoperability of digital payment systems, making it easier for users to navigate and securely complete transactions across different platforms.

What is the concept of 'Zero Trust,' and why is it important in cybersecurity?

'Zero Trust' is a security concept that assumes no one, whether inside or outside the organization, should be trusted by default. It requires strict identity verification and continuous monitoring of all users and devices. This approach helps protect sensitive data and prevent unauthorized access, especially in the context of increasing cyber threats.