The Future of Fintech Products and Regulatory Environment

Date And Time
Mon, July 15, 2019
6:00 PM – 9:00 PM WIB

Tokopedia Tower


  • Seminar menggunakan Bahasa Indonesia
  • Pendaftaran melalui tidak kami anggap. Hanya pendaftaran melalui yang berlaku.


  1. Seminar will be conducted in Indonesian.
  2. Registration via is not counted as registered participant. Please register yourself via

Background: Today’s Indonesia’s fintech landscape is like the Tom and Jerry cartoon – the powerful regulatory bodies tirelessly chasing the crafty startup, barely managing to escape. As the list of fintech startups keeps getting longer every day, only a fraction of it has obtained a license from OJK – as of May 2019, there are 113 startups registered through OJK, with just 7 of them obtaining a business permit. Fintech startups operating without a license argue regulations add burden to their growth, yet regulatory bodies stand firmly based on the mandate of the law. Adding the continuous and exponential advancement of technology, packed with rapid adaptation – i.e. Cryptocurrency and Facebook’s Libra – one can only imagine where the direction of fintech in Indonesia are going. Does it always have to be this way?

One thing all parties agree is financial services are key to a nation’s economic growth. Indonesia is projected to become the fifth biggest economy in the world by 2030, this projection will only be possible with the existence of strong financial services. Fintech startups act as financial services catalysts – creating opportunity and inclusivity, with a knack for innovation, in the quest of fulfilling financial hygiene with the best user experience for all Indonesians. More than strong, healthy financial services operating within the corridors of the law is equally imperative in making sure the playing ground is level to all parties, this is where government policing plays a crucial role. How can startups foster innovation while regulatory bodies policing them to operate within the corridors of the law?

How can startups and regulatory bodies collaborate in shaping communally beneficial regulations? What does Indonesia’s fintech landscape look like in the future? Most importantly, how can our collaboration contribute to the prosperity of our nation?

Connecting startups with key persons in the regulatory bodies in hope of mutual collaboration and providing the big picture understanding of fintech and regulations in Indonesia of now and the future.

Imam Rachmadi

Meet the Speaker: Imam Rachmadi

Imam Rachmadi is Head of UX at CoreChain, serving as a problem solver on blockchain technology. He is the first UX Designer (also, researcher). And he is currently building and developing digital products named (Digital Giro Indonesia) that solves development, operations, and security challenges in Indonesian Financial Technology. He graduated from MicroMaster Program, User Experience (UX) Research and Design – University of Michigan and Information Technology – UIN Syarif Hidayatullah Jakarta.

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Tyonardo Cahayadi

Meet the Speaker: Tyonardo Cahayadi

Tyo Graduated from the University of Indonesia. Both Bachelor and Master degree Majoring in Industrial Engineering with Focus of Simulation and Modeling. With several mixed experienced as a consultant, business development, and Project Engineering Tyo pursue his career as a Product Manager in Tokopedia. Tyo is the first Product Manager Locally hired for Fintech Division in Tokopedia. Joined on May 2017, he has worked with the team in building a wide variety of products such as Merchant Loans, Mutual Funds, Flight Insurance, and OVO PayLater.

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Kiki Ahmadi

Meet the Speaker: Kiki Ahmadi

Kiki Ahmadi is Head of Business Development at Amartha, exploring new ways for Amartha to improve existing business and expand into potential new territories. He has ten year experiences working in Indonesia Telco and Digital Ecosystem. He graduated from Manchester Business School and ITS Surabaya.

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