Keuangan & AsuransiFinancial Services
Sektor finansial Indonesia berada dalam fase modernisasi sistemis: kepatuhan POJK yang berkembang, transformasi pengalaman nasabah digital, dan ekspektasi keamanan informasi setara dengan standar internasional. Indonesia's financial sector is in systemic modernization: evolving OJK compliance, digital customer experience transformation, and information security expectations matching international standards.
Konteks IndonesiaIndonesian Context
Bank, multifinance, dan perusahaan asuransi Indonesia menghadapi tekanan ganda: regulator (OJK, BI) menuntut kepatuhan yang semakin ketat termasuk APU-PPT, perlindungan data nasabah, dan ketahanan operasional. Pada saat yang sama, kompetitor digital memerlukan transformasi sistem inti yang sebagian besar masih warisan dari dekade lalu. Indonesian banks, multifinance, and insurers face dual pressure: regulators (OJK, BI) demand increasingly strict compliance including AML/CFT, customer data protection, and operational resilience. Meanwhile, digital competitors require core system transformation, most of which still derives from a decade ago.
Tantangan Utama Sektor IniPrimary Challenges in This Sector
- Modernisasi core banking tanpa downtime nasabahCore banking modernization without customer downtime
- Kepatuhan POJK & SE OJK yang terus berkembangContinually-evolving POJK & SE OJK compliance
- APU-PPT (anti-money laundering / CFT) dengan analytics yang dapat diauditAML/CFT (APU-PPT) with auditable analytics
- Keamanan transaksi digital dan UU PDPDigital transaction security and PDP Law
- Customer experience yang menyatukan channel digital dan fisikCustomer experience unifying digital and physical channels
Pendekatan Liceo GlobalLiceo Global's Approach
Strangler migration core bankingCore banking strangler migration
Arsitektur berbasis layanan, migrasi data bertahap, API gateway, zero downtime customer-facing.Service-based architecture, phased data migration, API gateway, zero customer-facing downtime.
Compliance horizon monitoringCompliance horizon monitoring
Pemantauan perubahan POJK + SE OJK, dengan gap analysis dan roadmap remediasi.POJK + SE OJK change monitoring, with gap analysis and remediation roadmap.
AML & fraud analyticsAML & fraud analytics
Platform yang mengintegrasikan transaksi, behavioral analytics, dan jejak audit POJK.Platform integrating transactions, behavioral analytics, and POJK audit trail.
Zero Trust securityZero Trust security
Identitas, segmentasi jaringan, deteksi ancaman 24/7 — sesuai standar ISO/IEC 27001.Identity, network segmentation, 24/7 threat detection — per ISO/IEC 27001.
Digital onboarding & e-KYCDigital onboarding & e-KYC
Patuh POJK 12/2021 e-KYC dengan UX yang konversi tinggi.POJK 12/2021 e-KYC compliant with high-conversion UX.