AI Technology Increasingly Favored by the Business World
The development of Artificial Intelligence (AI) technology has accelerated in recent years. Various global industry sectors have begun to adopt this technology to improve business efficiency and competitiveness. Based on the IBM Global Adoption Index 2022 report, 35 percent of global companies have utilized AI, while 42 percent are in the process of implementing it.
AI is most widely used in the customer service sector (56 percent), followed by cybersecurity (51 percent), marketing and sales (49 percent), supply chain management (30 percent), and human resources (26 percent). This shows that AI has become an important part of modern business strategies.
Great Potential of AI in Indonesia
In Indonesia, the utilization of AI also shows high potential. According to data from the National Research and Innovation Agency (BRIN) in 2023, around 62 percent of companies in Indonesia have the potential to adopt this technology. One clear example is seen in the agriculture sector, where AI is utilized through drones and sensors to monitor soil conditions, fertilizer use, and crop growth.
Digital Transformation in Banking
The banking sector is one of the areas most positively impacted by AI technology. During the AI for Business Leaders Summit held by IBM and Infobank in Jakarta on March 6, 2024, Superbank President Director, Tigor M. Siahaan, revealed the important role of AI in transforming the financial industry.
According to Tigor, AI is now widely used to detect fraud, analyze transactions, improve credit scoring accuracy, and automate customer service. In addition, banks are also starting to implement biometric technologies such as face, voice, and fingerprint scanning as part of their security and transaction authorization systems.
AI to Improve Financial Inclusion
Tigor emphasized that the use of AI is not only about efficiency, but can also be a strategic tool to expand financial inclusion. With more accessible digital services, banks can reach people who have not previously been well served by the banking system, including the underbanked segment, which is large in Indonesia.
“This is important considering Indonesia has the largest underbanked population in Southeast Asia,” said Tigor. For this reason, Superbank continues to transform into a digital bank with services that are safe, reliable, and easily accessible to the wider community, especially the retail sector and MSMEs.
Supported by Strong Digital Ecosystem
Superbank has the support of a strong digital ecosystem, namely Grab, Singtel, Emtek, and KakaoBank. This collaboration not only provides advantages in terms of technology and network, but also strengthens Superbank's efforts in driving digital financial service innovation in Indonesia.
Digital Talent is the Key to AI Success in Banking
However, to unlock the full potential of AI, Tigor emphasized the importance of digital talent development. He said that the banking industry's current needs are no longer limited to workers with financial backgrounds, but must also include technology and data expertise.
Industry leaders such as Grab and KakaoBank, which are part of the Superbank ecosystem, contribute insights, technology and digital talent to support growth. Tigor also encouraged local talent to be nurtured and developed through collaboration and knowledge transfer from international experts.
“We need to build the capacity of domestic human resources and learn from foreign experts working in Indonesia,” he concluded.
Conclusion:
AI has become a new driving force in banking, especially in Indonesia. In addition to improving operational efficiency and security, AI also has great potential to expand financial access to underserved communities. However, all of this can only be realized if supported by qualified digital talents and a strong collaboration strategy between industry players and the technology ecosystem
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