PT Bank Mandiri (Persero) Tbk

About this programme

PT Bank Mandiri (Persero) Tbk is Indonesia’s largest bank by assets, committed to driving digital transformation across the financial sector. Through innovation, collaboration, and regulatory engagement, Bank Mandiri supports inclusive economic growth and financial access throughout Southeast Asia.

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Virtual Banking: Navigating the Promise and Pitfalls of a Digital-First Future

As Southeast Asia's digital economy rapidly evolves, this article explores the early challenges faced by Metaverse Banking (MB), the structural and regulatory shifts now underway,
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Featured authors

KP

Kristianus Jimy Pratama is an Officer Digital Legal & Regulatory of Digital Wholesale Banking Group at PT Bank Mandiri (Persero) Tbk. His work and research had focuses on intersection of emerging technologies, legal issues, regulatory frameworks, and digital financial innovation in Indonesia and the wider ASEAN region.

Read insights by Kristianus Jimy Pratama

Research

Rigorous studies and data that inform regional tech policies

Insights

Expert analysis on regional emerging trends

Perspectives 08 Jun 2025

Virtual Banking: Navigating the Promise and Pitfalls of a Digital-First Future

As Southeast Asia's digital economy rapidly evolves, this article explores the early challenges faced by Metaverse Banking (MB), the structural and regulatory shifts now underway, and how a reimagined approach could position MB as a catalyst for financial inclusion and innovation among the region's digitally native populations.

Engagements

Dialogues connecting policymakers, researchers and industry

Across the region

Perspectives 08 Jun 2025

Virtual Banking: Navigating the Promise and Pitfalls of a Digital-First Future

As Southeast Asia's digital economy rapidly evolves, this article explores the early challenges faced by Metaverse Banking (MB), the structural and regulatory shifts now underway, and how a reimagined approach could position MB as a catalyst for financial inclusion and innovation among the region's digitally native populations.

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Focus areas that might interest you

Digital Economy

Tech Governance

Examining how Southeast Asia is shaping tech governance through evolving regulation, policy innovation, and regional cooperation to support responsible digital development.

Digital Economy

Responsible AI Adoption

Examining how AI can be adopted responsibly to strengthen businesses, improve livelihoods, and address emerging risks across Southeast Asia.

Digital Society

Inclusive Digital Growth

Exploring how Southeast Asia can foster more inclusive digital growth through stronger readiness, participation, and future-ready digital capabilities.

Digital Economy

Financial Inclusion

Exploring how digital technologies can expand financial inclusion and improve access to financial services for underserved communities across Southeast Asia.

Digital Economy

Digital Sustainability

Exploring how Southeast Asia can harness digital innovation, regional cooperation, and responsible business to advance sustainable development and growth.

Digital Economy

Digital Resilience

Examining how Southeast Asian economies can strengthen resilience against cyber threats through stronger capabilities, coordination, and adaptive governance.

Digital Society

Digital Platforms for Public Benefit

Examining how digital platforms can create public value through inclusive access, cross-sector collaboration, and more effective digital governance in Southeast Asia.

Digital Society

Confident Digital Society

Exploring how Southeast Asia can build a more confident digital society through stronger trust, resilience, and protection against emerging digital risks.

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Mouna Aouri

Programme Fellow

Mouna Aouri is an Institute Fellow at the Tech For Good Institute. As a social entrepreneur, impact investor, and engineer, her experience spans over two decades in the MENA region, South East Asia, and Japan. She is founder of Woomentum, a Singapore-based platform dedicated to supporting women entrepreneurs in APAC through skill development and access to growth capital through strategic collaborations with corporate entities, investors and government partners.

Dr Ming Tan

Senior Fellow & Founding Executive Director

Dr Ming Tan is Senior Fellow at the Tech for Good Institute; where she served as founding Executive Director of the non-profit focused on research and policy at the intersection of technology, society and the economy in Southeast Asia. She is concurrently a Senior Fellow at and the Centre for Governance and Sustainability at the National University of Singapore and Advisor to the Founder of the COMO Group, a Singaporean portfolio of lifestyle companies operating in 15 countries worldwide. Ming was previously Managing Director of IPOS International, part of the Intellectual Property Office of Singapore. Prior to joining the public sector, she was Head of Stewardship of the COMO Group.


Ming also serves on the boards of several private companies, Singapore’s National Volunteer and Philanthropy Centre, Singapore Network Information Centre (SGNIC), and on the Digital and Technology Advisory Panel for Esplanade–Theatres on the Bay, Singapore’s national performing arts centre. Her current portfolio spans philanthropy, social impact, sustainability and innovation.