Jakarta, INTI - Artificial intelligence (AI) has become a key driver for financial technology companies in accelerating growth. Its adoption is considered capable of improving operational efficiency while strengthening fraud detection systems and risk assessment. This trend positions AI no longer as a supporting tool, but as a core foundation for maintaining competitiveness amid the rapid expansion of digital payment transactions.
Wulung Anggara Hanandita, VP of Data Platform and Data Science at DANA, explained that to maximize AI within a fintech company, there are three key pillars implemented at his organization.
“First, we must have independent infrastructure and technology. Second, we need strong talent. And third, there must be governance to ensure its proper and targeted use,” he said during a panel discussion at the Indonesia Ethical AI Summit: Navigating AI Development: Innovation, Humanity, and Governance on Wednesday, June 17, 2026.
He emphasized that a strong technological and infrastructure foundation is essential to ensure AI systems are safe, effective, and properly deployed.
At DANA, all employees using AI are connected through an internal AI gateway, meaning every AI-related activity must pass through this system. The goal is to accelerate innovation and improve operational efficiency while maintaining service quality amid rapidly growing user demand.
In addition, DANA has developed AI systems running on its own GPU (Graphics Processing Unit) infrastructure. According to Wulung, owning GPU infrastructure is crucial as it reflects sovereignty over data storage and processing.
“AI sovereignty depends on GPU ownership, especially in the financial industry, where data privacy is highly critical. We cannot truly be sovereign if we always send our inference processes overseas,” he added.
Beyond technology, talent is also a critical pillar. DANA has built a strong team with deep expertise in AI. For example, while AI is used in coding processes, human experts still perform supervisory and validation roles to ensure accuracy and reliability.
The third pillar is governance, including both data governance and AI governance frameworks. These systems are designed to promote education and ethical use of AI technologies.
He also noted that DANA strengthens its data input and processing governance to ensure AI implementation produces fair financial decisions across all segments of society.
Addressing Algorithmic Bias
DANA actively works to mitigate the risks of algorithmic bias, which could potentially harm consumers within the digital financial ecosystem. According to Wulung, controlling algorithms in modern technological systems plays a crucial role, comparable to powerful forces in previous eras that shaped human civilization in both positive and negative ways.
“Therefore, we must understand its impact, including in credit scoring,” he said.
He added that a strong ecosystem requires capable talent and leadership to place the right people in the right roles at the right time in order to minimize bias. In addition to human capability, companies also apply functional techniques to reduce errors in digital decision-making systems.
At the core of this entire process lies robust data governance. The intelligence of AI systems is highly dependent on the quality of data fed into them. If a company naively inputs raw and unstructured data, such as regional names or job categories, into credit scoring systems, certain groups of people may be unintentionally excluded from financial access.
On a broader scale, global technological development reflects different regional strengths. Wulung referenced a well-known analogy: the United States leads in innovation, China excels in replication, while Europe is strong in regulation.
In developing Agentic AI, DANA integrates and balances these three global strengths within its approach in Indonesia. According to him, sustainable innovation in the domestic industry cannot be achieved without considering these three elements in balance.
The company also emphasizes the importance of combining innovation and replication to improve economic efficiency, while still requiring a strong regulatory framework.
Given the high risks and capital flows in the financial sector, proper regulation is essential. DANA hopes future AI regulations will strike a balanced approach, supporting industry growth without restricting innovation.
Conclusion
AI is becoming a core foundation for fintech growth, driving efficiency, fraud detection, and risk management across the industry. DANA emphasizes that successful AI implementation relies on three key pillars, robust infrastructure, strong talent, and clear governance, along with strict data control to prevent algorithmic bias. As AI continues to evolve, balanced regulation and responsible adoption are essential to ensure innovation, fairness, and sustainable development in the financial ecosystem.
Read more: AI Adoption in Indonesia Remains at 18.2%, with Gen Z Emerging as the Most Active User Group