The development of digital technology is one of the driving factors for the development of digitalization in every industrial sector in Indonesia, one of which is the financial industry. This also opens up opportunities for the country's banking sector to accelerate digital transformation strategies through the development of digital banking transaction solutions to provide the best service for its customers.Banking digitalization and Maybank Indonesia's benefitsAs one of the largest private banks in Indonesia, Maybank Indonesia, which has networks at regional and international levels, always presents innovation through the use of digital technology, in order to provide  the best service for customers.Throughout 2021, Maybank Indonesia continues to develop digital banking services which include data integration and network connectivity between head offices and branch offices to increase customer satisfaction. At the age of 62, Maybank Indonesia strengthens its position as a BANK FOR ALL, now and in the future through its four competitive advantages, including:High Quality ServiceMaybank Indonesia continues to strive to be relevant through continuous improvement in customer service.Product InnovationThis innovation is in the form of continuous development of digital banking so that it always becomes a product solution that is relevant to customers' banking needs.Simple ProcessTo become a Bank that always runs efficiency and simplifies operational processes through ease of transactions and digitization processes.Regional ConnectivityMaybank Indonesia has a network of branch offices in all provinces of Indonesia, and Maybank Group's regional network in the ASEAN region, with home markets in Malaysia, Singapore, and Indonesia.Maybank Indonesia Focuses on Improving Banking InfrastructureUntil 2025, Maybank Indonesia focuses on gradually updating its obsolete banking system, both in terms of software and hardware. This strategy is taken to modernize infrastructure, so that future business processes can become leaner, agile, and can bring convenience in providing services to customers. This is evidenced by the adoption of digital solutions for banking services through the M2U digital banking platform, as a manifestation of the company's mission, namely Humanising Financial Services To provide speed, comfort, and convenience for customers while still prioritizing customer experience in accessing online banking services.With various positive responses from customers, Maybank Indonesia is increasingly active in improving digital banking services with various improvements, feature development and promotional programs to expand the digital ecosystem. Throughout 2021, Maybank Indonesia has carried out various innovative developments in digital banking services in the form of launching a number of new features on the M2U platform, including:e-KYC and biometric features on M2U ID App for online account opening process, without the need for video calls, or visits to branch offices for the verification processCardless cash withdrawal feature using QR Code at all Maybank ATMs in Indonesia that provide this featureE-money card top-up feature with Near Field Communication (NFC) technologyDigital Customer Service feature to make it easier for customers to update data onlineThe addition of the Secure2u feature is also carried out to support faster, more convenient and secure transactions, reduce dependence on One-time Password (OTP) sent via SMS, along with campaigns and enhancements to digital services for corporate customers (Maybank2Enterprise / M2E).Maybank Indonesia Prioritizes Customer SecurityWith a commitment to prioritizing customer security and convenience in transactions, Maybank Indonesia develops the latest features through the M2U ID platform which has been integrated with more than 14 million QRIS merchants throughout Indonesia.In addition, Maybank Indonesia also strives to provide convenience in one hand to transact online through marketplaces and e-wallets. In order to improve the quality of network connectivity that is agile, flexible, scalable, consistent and secure in its operations, Maybank Indonesia utilizes the latest and qualified technology to support platform modernization. One of them is through the use of SD-WAN (Software-Defined Wide Area Network) technology.Troubleshooting Device Obsolences in Branch OfficesWith more than 300 branches spread across Indonesia, Maybank Indonesia wants to modernize its network and connectivity in all its branches.Managing Multiple InfrastructureWith bandwidth variations and high bandwidth business services requirements at Maybank Indonesia branches, an adaptive network speed increase with the development of application services at Maybank Indonesia Branch Offices is also needed.Cost EfficiencyWith nearly 340 Branch Offices owned, the process of managing devices is a challenge that needs to be faced in order to increase cost efficiency in bandwidth and maintainability operations.Network SecurityIn terms of security, the presence of SD-WAN is important in facilitating the management of corporate network connectivity access.Advantages of SD-WAN TechnologyAlthough classified as a new technology, SD-WAN has now been widely used by companies in various industrial sectors, especially in the Enterprise market. This technology has various advantages that can encourage better company performance, including:Faster troubleshootingComprehensive IT supervisionSimplification of processes in the branch office networkApplication performance optimizationCost efficiencyand, Branch agilityHead Technology Production Maybank Indonesia, Tony Muis said that Maybank Indonesia is among the first banks in Indonesia to implement SD-WAN for all branch offices throughout Indonesia. "The implementation has been able to reduce operational costs, especially for banking transaction processes at branch offices which have become more organized, effective, and efficient. The digital transformation process in all our branch offices can also run as expected. Banking transaction traffic becomes safer, improves company performance, and more flexible in control, due to scalability for increased traffic , and most importantly cost efficiency. This is also in line with Maybank Indonesia's strategic plan towards Open Banking."Through the adoption of SD-WAN technology, Maybank Indonesia can have a single pain of glass (branch network infrastructure) and centralized management of the connectivity of Maybank branch offices throughout Indonesia. In addition, a better security system will be realized in conducting managed network transparency encrypted and segmenting for security improvement on transactional data in the banking world. Furthermore, there is also an improvement in performance in terms of Service Level Agreement (SLA), so as to improve services to all customers in all Maybank Indonesia branches and cost-effectiveness.  Utilization of Telkom SD-WAN at Maybank IndonesiaIn just four short months, Maybank Indonesia successfully implemented SD-WAN in 342 branch offices throughout Indonesia. By utilizing this technology, Maybank Indonesia is able to simplify branch networks with zero-touch deployment, simple configuration, as well as conducting centralized orchestration and monitoring connectivity in all branches.In addition, Maybank Indonesia is also able to improve service levels by using route-based applications and traffic management. When there is critical traffic , especially in transactional banking, Maybank Indonesia can easily prioritize agilely. In order to realize the acceleration of digital transformation of all branch offices, Maybank Indonesia cooperates with Telkom Indonesia (Telkom) to provide network infrastructure.In addition, a number of other Telkom digital solutions also support business processes at Maybank Indonesia including Data Center, Closed User Group (CUG), Business Process Outsourcing (BPO), and so on. "Telkom has a very wide network coverage throughout Indonesia and even to remote areas. We also understand that Telkom's ICT solutions are very complete through its subsidiaries. With Telkom's access spread throughout Indonesia, ICT implementation can run well and quickly," said Tony.For decades, Maybank Indonesia has been working with Telkom. With its competence, this is the reason Maybank Indonesia trusts Telkom as its strategic partner.

Not only in big cities, national development must now be carried out in dissemination throughout Indonesia, including in remote villages that may still be lagging behind in terms of information and technology. To prevent underdevelopment in rural areas, the National Medium-Term Development Plan (RPJMN) for 2020-2024 makes Smart Villages or Smart Villages one of the National Priority Programs that need to be realized. Therefore, PT Telkom Indonesia (Persero) Tbk as a State-Owned Enterprise (BUMN) contributes to realizing Smart Villages in various remote villages in the country. Telkom's Real Steps to Realize Smart VillageIn order to create an independent and productive village, Telkom created Smart Village Nusantara (SVN) by connecting every entity in the village with a digital ecosystem to improve village government services, the economy, and the welfare of its citizens. SVN has four pillars that will be used as a reference to give birth to Smart Village, including smart infrastructure, smart governance, smart economy, and smart society. These four pillars will later be scaled according to the needs of each village. Based on the four pillars above, here are SVN's steps to realize a Smart and Independent Village:1. Internet Connectivity and ICT Supporting InfrastructureSVN provides internet access and supporting infrastructure for information and communication technology (ICT) as basic requirements for digital village development. The presence of internet access is one of the important aspects to transform a village into a digital village and towards a Smart Village. 2. Utilization of ICT in Village GovernanceThe presence of ICT within the scope of Village Governance can improve and optimize public administration, public services, and village development. The use of ICT in Village Governance needs to go through several stages, including planning, implementing, supervising, and evaluating development. 3. Developing Village Digital LiteracyThe use of ICT within the village scope can encourage public interest in digital literacy. This can be evidenced by the increasing use of messenger applications to communicate, as well as digitalization in aspects of social and commercial governance of villages. 4. Utilization of ICT in Various Aspects of Village LifeThe use of ICT will be carried out in various aspects of the lives of rural communities. Thus, the competitiveness of the village, the process of village development, and the development of the superior potential of the village can be improved. At this stage, village data can be integrated for big data analytics so that useful insights or information will appear to develop the village. Telkom Enterprise & Business Director Edi Witjara stated that SVN is a form of Telkom's support to the Indonesian government in order to explore the potential that exists in villages. "Through Smart Village Nusantara, Telkom is here to support the development of a digital village ecosystem for a sustainable village economy. It is hoped that in the future people in the village will have better digital adoption and are accustomed to using digital technology to support their various activities," said Edi. The same thing was also expressed by Budi Arie Setiadi as Deputy of the Ministry of Villages, Development of Disadvantaged Regions, and Transmigration. According to him, the village is the future of the Indonesian nation whose potential needs to be explored. "Villages are the future of Indonesia. Indonesia's three main sectors are unbeatable from other countries, namely agriculture, fisheries, and tourism. Of course, villages that have these three advantages must be maximized, built and raised together," he said.Smart Village Nusantara Service Products for Village CommunitiesThe products presented by SVN can also be enjoyed directly by villagers. Such products include:1. Smart GovernanceSmart Government is access to all services for more efficient administrative processes and public services. In Smart Government, there are several features that can make life easier in the village, such as:eMoneyServices that facilitate monitoring and evaluation to report the progress of an agency's activities in Smart Village Nusantara.SimpleDesaA citizen data center application designed for a unified database of villagers.Village PortalThe portal contains information from villages that implement Smart Village Nusantara solution services. Village DashboardA service that displays graphs and data from village profiles that implement Smart Village Nusantara. UCMServices that can connect and integrate various Smart Village Nusantara services used. 2. Smart EconomySmart Economy is a service from SVN to make it easier for villages to market their superior products. Smart Economy offers a number of features, including:BeautifulDigitization services for ticketing and ticketing processes in every tourist area in the smart village of the archipelago.Village WholesaleServices that provide solutions in helping rural communities market products, reduce the distribution chain to maintain the availability of goods, and provide competitive prices on superior village products. Village MarketServices that help manage businesses, develop investments in delivering services, and other types of businesses to improve the welfare of rural communities. iCashA service that can help micro-entrepreneurs manage their business easily and quickly from a smartphone. 3. Smart SocietySmart Society can make it easier for people to access social services in order to improve the quality of villagers. SVN's service products include:Village CinemaHelp distribute movies, videos, and other entertainment media to the public for enjoyment. Smart EnvironmentProvide an interactive system for local governments to provide comfort and a sense of security for rural communities.CCTV & SpeakersServices that help rural communities monitor security conditions in critical locations, such as markets, mosques, stations, parks, and tourist attractions. Smart Water LevelHelp minimize damage caused by natural disasters by mitigating disasters. Panic buttonA smartphone application-based service designed as an alarm and serves to provide emergency messages when dangerous situations occur. ELAMOSELAMOS (Earthquake Alert and Monitoring System) can provide announcements about earthquakes that can be heard by the public, even if they are indoors.  eLibraryServices that allow the public to access collections of books and other reading. ePosyanduServices that can assist posyandu in digitizing data that is integrated with Puskesmas and Health Offices at the City/Regency level. 4. InfrastructureSVN can also help manage village supporting facilities so that they are maintained and appropriate. SVN's service products include:Smart PoleSmart pole facilities that function to illuminate the road, provide WiFi, CCTV, detect flood puddles, air quality sensors, and emergency buttons. Command CenterAccess network management services with digitally integrated controls.Guyed Pole Triangle TowerCertified communication towers produce quality. VSAT IPVSAT IP is a satellite-based internet service that can meet the communication needs of rural communities. This internet service has speeds ranging from 2.4 Kbps to 2 Mbps.TSAT ZoneTSAT Zone is able to provide WiFi services in large areas with fast internet connections. The various service products above are proof of Telkom's seriousness in realizing Smart Village which has been declared a priority in the 2020-2024 RPJMN."Through Telkom's Smart Village Nusantara, all digital-based systems are developed and implemented for village digitalization, to support national development priorities in the era of the industrial revolution 4.0 as well as to encourage the sustainability of national development, build Indonesia to be more advanced towards a Smart Nation," concluded Edi.