{"version":"1.0.0","segments":[{"speaker":"AIBP","startTime":0.0,"endTime":2.7,"body":"Innovation takes many"},{"speaker":"AIBP","startTime":0.0,"endTime":2.7,"body":"forms, and in a market like"},{"speaker":"AIBP","startTime":2.7,"endTime":5.7,"body":"Singapore, even incremental"},{"speaker":"AIBP","startTime":2.7,"endTime":5.7,"body":"changes can create a ripple"},{"speaker":"AIBP","startTime":5.7,"endTime":8.58,"body":"effect. However, different"},{"speaker":"AIBP","startTime":5.7,"endTime":8.58,"body":"markets have different"},{"speaker":"AIBP","startTime":8.58,"endTime":12.36,"body":"priorities, and what works in"},{"speaker":"AIBP","startTime":8.58,"endTime":12.36,"body":"one may not translate seamlessly"},{"speaker":"AIBP","startTime":12.39,"endTime":13.02,"body":"into another."},{"speaker":"altona widjaja - OCBC ID","startTime":13.68,"endTime":16.08,"body":"In"},{"speaker":"altona widjaja - OCBC ID","startTime":13.68,"endTime":16.08,"body":"Singapore, like the market is"},{"speaker":"altona widjaja - OCBC ID","startTime":16.08,"endTime":19.68,"body":"small, right? And when the"},{"speaker":"altona widjaja - OCBC ID","startTime":16.08,"endTime":19.68,"body":"market is small, I think the"},{"speaker":"altona widjaja - OCBC ID","startTime":19.68,"endTime":25.98,"body":"focus is on a few incremental or"},{"speaker":"altona widjaja - OCBC ID","startTime":19.68,"endTime":25.98,"body":"innovative solution will kind of"},{"speaker":"altona widjaja - OCBC ID","startTime":25.98,"endTime":29.04,"body":"like, can create the hype,"},{"speaker":"altona widjaja - OCBC ID","startTime":25.98,"endTime":29.04,"body":"basically, right? And to the"},{"speaker":"altona widjaja - OCBC ID","startTime":29.04,"endTime":32.7,"body":"customer, maybe we become"},{"speaker":"altona widjaja - OCBC ID","startTime":29.04,"endTime":32.7,"body":"valuable, right? If we take"},{"speaker":"altona widjaja - OCBC ID","startTime":32.73,"endTime":40.02,"body":"example, maybe in the past with"},{"speaker":"altona widjaja - OCBC ID","startTime":32.73,"endTime":40.02,"body":"this savings, I don't know"},{"speaker":"altona widjaja - OCBC ID","startTime":40.02,"endTime":42.63,"body":"whether you know, OCBC Singapore"},{"speaker":"altona widjaja - OCBC ID","startTime":40.02,"endTime":42.63,"body":"has a sailing school, right?"},{"speaker":"altona widjaja - OCBC ID","startTime":43.32,"endTime":46.11,"body":"That's one part of small"},{"speaker":"altona widjaja - OCBC ID","startTime":43.32,"endTime":46.11,"body":"innovation that that kind of"},{"speaker":"altona widjaja - OCBC ID","startTime":46.11,"endTime":49.56,"body":"like propel one of the value"},{"speaker":"altona widjaja - OCBC ID","startTime":46.11,"endTime":49.56,"body":"proposition for OCBC in"},{"speaker":"altona widjaja - OCBC ID","startTime":49.56,"endTime":54.27,"body":"Singapore, right? Whereby, in"},{"speaker":"altona widjaja - OCBC ID","startTime":49.56,"endTime":54.27,"body":"Indonesia, maybe something like"},{"speaker":"altona widjaja - OCBC ID","startTime":54.27,"endTime":58.47,"body":"that can be, can be viewed as"},{"speaker":"altona widjaja - OCBC ID","startTime":54.27,"endTime":58.47,"body":"innovative, but it doesn't"},{"speaker":"altona widjaja - OCBC ID","startTime":58.83,"endTime":62.1,"body":"always translate to direct"},{"speaker":"altona widjaja - OCBC ID","startTime":58.83,"endTime":62.1,"body":"contribution to the revenue of"},{"speaker":"altona widjaja - OCBC ID","startTime":62.1,"endTime":66.96,"body":"the business, right? Because I"},{"speaker":"altona widjaja - OCBC ID","startTime":62.1,"endTime":66.96,"body":"think in Indonesia, it's a"},{"speaker":"altona widjaja - OCBC ID","startTime":66.96,"endTime":70.59,"body":"country that is a little bit"},{"speaker":"altona widjaja - OCBC ID","startTime":66.96,"endTime":70.59,"body":"messy, right? So I think they"},{"speaker":"altona widjaja - OCBC ID","startTime":70.59,"endTime":73.44,"body":"appreciate, they don't"},{"speaker":"altona widjaja - OCBC ID","startTime":70.59,"endTime":73.44,"body":"appreciate efficiency too much,"},{"speaker":"altona widjaja - OCBC ID","startTime":73.47,"endTime":77.52,"body":"right, but they appreciate more"},{"speaker":"altona widjaja - OCBC ID","startTime":73.47,"endTime":77.52,"body":"in terms of, how can I make more"},{"speaker":"altona widjaja - OCBC ID","startTime":77.52,"endTime":77.76,"body":"money?"},{"speaker":"AIBP","startTime":77.76,"endTime":80.34,"body":"The real value of"},{"speaker":"AIBP","startTime":77.76,"endTime":80.34,"body":"innovation lies in its ability"},{"speaker":"AIBP","startTime":80.34,"endTime":84.36,"body":"to shift mindsets, to re imagine"},{"speaker":"AIBP","startTime":80.34,"endTime":84.36,"body":"what is possible. Some ideas"},{"speaker":"AIBP","startTime":84.36,"endTime":88.47,"body":"thrive, while others fade away."},{"speaker":"AIBP","startTime":84.36,"endTime":88.47,"body":"But each step forward, whether a"},{"speaker":"AIBP","startTime":88.47,"endTime":91.53,"body":"success or failure, shapes the"},{"speaker":"AIBP","startTime":88.47,"endTime":91.53,"body":"future of business."},{"speaker":"altona widjaja - OCBC ID","startTime":92.66,"endTime":94.37,"body":"It's"},{"speaker":"altona widjaja - OCBC ID","startTime":92.66,"endTime":94.37,"body":"proven that some of the concepts"},{"speaker":"altona widjaja - OCBC ID","startTime":94.37,"endTime":98.75,"body":"are great, but also some of the"},{"speaker":"altona widjaja - OCBC ID","startTime":94.37,"endTime":98.75,"body":"concept concept didn't make"},{"speaker":"altona widjaja - OCBC ID","startTime":98.75,"endTime":102.11,"body":"business sense, basically,"},{"speaker":"altona widjaja - OCBC ID","startTime":98.75,"endTime":102.11,"body":"right? But I think the positive"},{"speaker":"altona widjaja - OCBC ID","startTime":102.29,"endTime":105.38,"body":"angle, and the positive side of"},{"speaker":"altona widjaja - OCBC ID","startTime":102.29,"endTime":105.38,"body":"it, of the whole thing, is that"},{"speaker":"altona widjaja - OCBC ID","startTime":105.8,"endTime":110.33,"body":"the whole startup movement in"},{"speaker":"altona widjaja - OCBC ID","startTime":105.8,"endTime":110.33,"body":"Singapore or Indonesia actually"},{"speaker":"altona widjaja - OCBC ID","startTime":110.42,"endTime":114.86,"body":"helped everybody to reimagine"},{"speaker":"altona widjaja - OCBC ID","startTime":110.42,"endTime":114.86,"body":"finance, whether or not some"},{"speaker":"altona widjaja - OCBC ID","startTime":114.86,"endTime":117.44,"body":"startup made it, or whether or"},{"speaker":"altona widjaja - OCBC ID","startTime":114.86,"endTime":117.44,"body":"not some startup didn't make it,"},{"speaker":"altona widjaja - OCBC ID","startTime":117.89,"endTime":121.07,"body":"that's like business by nature,"},{"speaker":"altona widjaja - OCBC ID","startTime":117.89,"endTime":121.07,"body":"right? Some business will"},{"speaker":"altona widjaja - OCBC ID","startTime":121.07,"endTime":122.57,"body":"survive, some business will not"},{"speaker":"altona widjaja - OCBC ID","startTime":121.07,"endTime":122.57,"body":"survive."},{"speaker":"AIBP","startTime":122.69,"endTime":125.9,"body":"What fuels lasting"},{"speaker":"AIBP","startTime":122.69,"endTime":125.9,"body":"innovation? Is it a breakthrough"},{"speaker":"AIBP","startTime":125.9,"endTime":130.31,"body":"idea, a bold vision, or"},{"speaker":"AIBP","startTime":125.9,"endTime":130.31,"body":"something deeper true innovation"},{"speaker":"AIBP","startTime":130.4,"endTime":134.0,"body":"isn't just about launching new"},{"speaker":"AIBP","startTime":130.4,"endTime":134.0,"body":"concepts. It's about building a"},{"speaker":"AIBP","startTime":134.0,"endTime":135.38,"body":"culture that sustains them."},{"speaker":"altona widjaja - OCBC ID","startTime":135.59,"endTime":137.18,"body":"So by"},{"speaker":"altona widjaja - OCBC ID","startTime":135.59,"endTime":137.18,"body":"doing that, I know that the"},{"speaker":"altona widjaja - OCBC ID","startTime":137.18,"endTime":139.85,"body":"culture of innovation can only"},{"speaker":"altona widjaja - OCBC ID","startTime":137.18,"endTime":139.85,"body":"happen. Number one, if the"},{"speaker":"altona widjaja - OCBC ID","startTime":139.85,"endTime":143.75,"body":"person has the ownership to"},{"speaker":"altona widjaja - OCBC ID","startTime":139.85,"endTime":143.75,"body":"learn right. Number two, the"},{"speaker":"altona widjaja - OCBC ID","startTime":143.75,"endTime":147.86,"body":"person have the right sources of"},{"speaker":"altona widjaja - OCBC ID","startTime":143.75,"endTime":147.86,"body":"information. Then number three,"},{"speaker":"altona widjaja - OCBC ID","startTime":147.89,"endTime":152.0,"body":"then you can she can apply it"},{"speaker":"altona widjaja - OCBC ID","startTime":147.89,"endTime":152.0,"body":"basically in the daily work, so"},{"speaker":"altona widjaja - OCBC ID","startTime":152.0,"endTime":156.26,"body":"that it will give more value to"},{"speaker":"altona widjaja - OCBC ID","startTime":152.0,"endTime":156.26,"body":"her as employee as well."},{"speaker":"AIBP","startTime":156.62,"endTime":159.35,"body":"In today's conversation,"},{"speaker":"AIBP","startTime":156.62,"endTime":159.35,"body":"we explore the evolving nature"},{"speaker":"AIBP","startTime":159.35,"endTime":162.92,"body":"of innovation in Southeast Asia,"},{"speaker":"AIBP","startTime":159.35,"endTime":162.92,"body":"how businesses navigate"},{"speaker":"AIBP","startTime":162.92,"endTime":166.46,"body":"different market dynamics, the"},{"speaker":"AIBP","startTime":162.92,"endTime":166.46,"body":"role of experimentation and the"},{"speaker":"AIBP","startTime":166.46,"endTime":170.75,"body":"mindset shifts that shape the"},{"speaker":"AIBP","startTime":166.46,"endTime":170.75,"body":"future of finance. Please enjoy"},{"speaker":"AIBP","startTime":170.75,"endTime":175.97,"body":"this episode from the AIBP ASEAN"},{"speaker":"AIBP","startTime":170.75,"endTime":175.97,"body":"B2B Growth podcast."},{"speaker":"AIBP Intro","startTime":178.64,"endTime":182.75,"body":"The AIBP ASEAN B2B"},{"speaker":"AIBP Intro","startTime":178.64,"endTime":182.75,"body":"Growth podcast is a series of"},{"speaker":"AIBP Intro","startTime":182.75,"endTime":186.32,"body":"fireside chats with business"},{"speaker":"AIBP Intro","startTime":182.75,"endTime":186.32,"body":"leaders in Southeast Asia"},{"speaker":"AIBP Intro","startTime":186.44,"endTime":190.79,"body":"focused on growth in the region."},{"speaker":"AIBP Intro","startTime":186.44,"endTime":190.79,"body":"Topics discussed and include"},{"speaker":"AIBP Intro","startTime":190.79,"endTime":193.7,"body":"business strategy, sales and"},{"speaker":"AIBP Intro","startTime":190.79,"endTime":193.7,"body":"marketing, enterprise,"},{"speaker":"AIBP Intro","startTime":193.7,"endTime":195.65,"body":"technology and innovation."},{"speaker":"Irza Suprapto","startTime":204.81,"endTime":207.51,"body":"Hello everyone,"},{"speaker":"Irza Suprapto","startTime":204.81,"endTime":207.51,"body":"and welcome to this episode of"},{"speaker":"Irza Suprapto","startTime":207.51,"endTime":211.41,"body":"the ASEAN B2B Growth podcast,"},{"speaker":"Irza Suprapto","startTime":207.51,"endTime":211.41,"body":"where we sit down with leaders"},{"speaker":"Irza Suprapto","startTime":211.41,"endTime":214.23,"body":"who are driving growth and"},{"speaker":"Irza Suprapto","startTime":211.41,"endTime":214.23,"body":"innovation within their"},{"speaker":"Irza Suprapto","startTime":214.23,"endTime":218.49,"body":"organizations here in Southeast"},{"speaker":"Irza Suprapto","startTime":214.23,"endTime":218.49,"body":"Asia. Today, we have a very"},{"speaker":"Irza Suprapto","startTime":218.49,"endTime":223.44,"body":"special guest who is dialing in"},{"speaker":"Irza Suprapto","startTime":218.49,"endTime":223.44,"body":"out of his Jakarta office, Pak"},{"speaker":"Irza Suprapto","startTime":223.5,"endTime":228.18,"body":"Altona Widjaja, who is part of"},{"speaker":"Irza Suprapto","startTime":223.5,"endTime":228.18,"body":"the OCBC group. He has a very"},{"speaker":"Irza Suprapto","startTime":228.18,"endTime":231.54,"body":"interesting background, because"},{"speaker":"Irza Suprapto","startTime":228.18,"endTime":231.54,"body":"he is natively Indonesian, but"},{"speaker":"Irza Suprapto","startTime":231.54,"endTime":235.02,"body":"spent a large part of his time"},{"speaker":"Irza Suprapto","startTime":231.54,"endTime":235.02,"body":"in Singapore, both during the"},{"speaker":"Irza Suprapto","startTime":235.02,"endTime":238.74,"body":"formative years, going to school"},{"speaker":"Irza Suprapto","startTime":235.02,"endTime":238.74,"body":"in Singapore as well as starting"},{"speaker":"Irza Suprapto","startTime":238.74,"endTime":242.19,"body":"his career in Singapore. He's"},{"speaker":"Irza Suprapto","startTime":238.74,"endTime":242.19,"body":"still with the same entity right"},{"speaker":"Irza Suprapto","startTime":242.19,"endTime":247.26,"body":"now, but he's moved back to"},{"speaker":"Irza Suprapto","startTime":242.19,"endTime":247.26,"body":"Indonesia, I believe, since 2018"},{"speaker":"Irza Suprapto","startTime":247.65,"endTime":252.78,"body":"but I will leave Altona to"},{"speaker":"Irza Suprapto","startTime":247.65,"endTime":252.78,"body":"briefly introduce himself and"},{"speaker":"Irza Suprapto","startTime":252.78,"endTime":255.09,"body":"the firm he works with, which is"},{"speaker":"Irza Suprapto","startTime":252.78,"endTime":255.09,"body":"OCBC. Pak."},{"speaker":"altona widjaja - OCBC ID","startTime":256.74,"endTime":260.49,"body":"Alright."},{"speaker":"altona widjaja - OCBC ID","startTime":256.74,"endTime":260.49,"body":"Thank you. Hi, my name is"},{"speaker":"altona widjaja - OCBC ID","startTime":260.49,"endTime":267.54,"body":"Altona. I work for OCBC for over"},{"speaker":"altona widjaja - OCBC ID","startTime":260.49,"endTime":267.54,"body":"15 years, basically, but I spend"},{"speaker":"altona widjaja - OCBC ID","startTime":267.54,"endTime":273.84,"body":"time in Singapore, in Singapore"},{"speaker":"altona widjaja - OCBC ID","startTime":267.54,"endTime":273.84,"body":"office for about 12 years before"},{"speaker":"altona widjaja - OCBC ID","startTime":273.84,"endTime":278.13,"body":"I moved to Indonesia for about"},{"speaker":"altona widjaja - OCBC ID","startTime":273.84,"endTime":278.13,"body":"six years now. My various roles"},{"speaker":"altona widjaja - OCBC ID","startTime":278.16,"endTime":283.53,"body":"range from technology,"},{"speaker":"altona widjaja - OCBC ID","startTime":278.16,"endTime":283.53,"body":"operations strategy, and in"},{"speaker":"altona widjaja - OCBC ID","startTime":283.53,"endTime":289.62,"body":"recent times, innovation and"},{"speaker":"altona widjaja - OCBC ID","startTime":283.53,"endTime":289.62,"body":"digital as is in my area, and I"},{"speaker":"altona widjaja - OCBC ID","startTime":289.62,"endTime":293.91,"body":"also do a little bit of product"},{"speaker":"altona widjaja - OCBC ID","startTime":289.62,"endTime":293.91,"body":"development for the merchant and"},{"speaker":"altona widjaja - OCBC ID","startTime":293.91,"endTime":297.33,"body":"the business banking side of"},{"speaker":"altona widjaja - OCBC ID","startTime":293.91,"endTime":297.33,"body":"things as well. Yeah, yeah."},{"speaker":"Irza Suprapto","startTime":297.0,"endTime":301.86,"body":"So as I mentioned"},{"speaker":"Irza Suprapto","startTime":297.0,"endTime":301.86,"body":"earlier, I. Alton did his"},{"speaker":"Irza Suprapto","startTime":301.86,"endTime":306.54,"body":"university in Singapore at the"},{"speaker":"Irza Suprapto","startTime":301.86,"endTime":306.54,"body":"Nanyang Technology University."},{"speaker":"Irza Suprapto","startTime":306.54,"endTime":309.06,"body":"And I believe you are an"},{"speaker":"Irza Suprapto","startTime":306.54,"endTime":309.06,"body":"engineering grad, computer"},{"speaker":"Irza Suprapto","startTime":309.06,"endTime":310.62,"body":"engineering grad, Pak Altona."},{"speaker":"altona widjaja - OCBC ID","startTime":312.63,"endTime":315.12,"body":"Yeah,"},{"speaker":"altona widjaja - OCBC ID","startTime":312.63,"endTime":315.12,"body":"that's right. So I did computer"},{"speaker":"altona widjaja - OCBC ID","startTime":315.12,"endTime":321.24,"body":"engineering as a undergraduate"},{"speaker":"altona widjaja - OCBC ID","startTime":315.12,"endTime":321.24,"body":"in NTU, and I did my master's"},{"speaker":"altona widjaja - OCBC ID","startTime":321.24,"endTime":324.54,"body":"degree in knowledge engineering"},{"speaker":"altona widjaja - OCBC ID","startTime":321.24,"endTime":324.54,"body":"in NUS, yeah."},{"speaker":"Irza Suprapto","startTime":325.05,"endTime":328.8,"body":"Okay, but if you"},{"speaker":"Irza Suprapto","startTime":325.05,"endTime":328.8,"body":"can, maybe you could give us a"},{"speaker":"Irza Suprapto","startTime":328.8,"endTime":332.73,"body":"brief timeline you know about"},{"speaker":"Irza Suprapto","startTime":328.8,"endTime":332.73,"body":"the roles you have held at OCBC,"},{"speaker":"Irza Suprapto","startTime":332.73,"endTime":336.81,"body":"let's rewind, turn back time,"},{"speaker":"Irza Suprapto","startTime":332.73,"endTime":336.81,"body":"and you know when you started,"},{"speaker":"Irza Suprapto","startTime":336.81,"endTime":340.38,"body":"what you started doing, and how"},{"speaker":"Irza Suprapto","startTime":336.81,"endTime":340.38,"body":"the trajectory has been across"},{"speaker":"Irza Suprapto","startTime":340.38,"endTime":343.02,"body":"your, did you say 15 plus years"},{"speaker":"Irza Suprapto","startTime":340.38,"endTime":343.02,"body":"at the bank?"},{"speaker":"altona widjaja - OCBC ID","startTime":343.24,"endTime":345.34,"body":"Yeah,"},{"speaker":"altona widjaja - OCBC ID","startTime":343.24,"endTime":345.34,"body":"that's right. That's right. So"},{"speaker":"altona widjaja - OCBC ID","startTime":345.88,"endTime":352.12,"body":"after I graduated from uni,"},{"speaker":"altona widjaja - OCBC ID","startTime":345.88,"endTime":352.12,"body":"right, I went to OCBC to work as"},{"speaker":"altona widjaja - OCBC ID","startTime":352.39,"endTime":355.45,"body":"a engineer, actually, right, a"},{"speaker":"altona widjaja - OCBC ID","startTime":352.39,"endTime":355.45,"body":"programmer. Because, of course,"},{"speaker":"altona widjaja - OCBC ID","startTime":355.48,"endTime":359.5,"body":"since I graduated from Computer"},{"speaker":"altona widjaja - OCBC ID","startTime":355.48,"endTime":359.5,"body":"Engineering, being, you know,"},{"speaker":"altona widjaja - OCBC ID","startTime":360.49,"endTime":364.09,"body":"lacking in knowledge of what to"},{"speaker":"altona widjaja - OCBC ID","startTime":360.49,"endTime":364.09,"body":"do, right? Basically, the first"},{"speaker":"altona widjaja - OCBC ID","startTime":364.09,"endTime":368.74,"body":"job as a programmer, I take it"},{"speaker":"altona widjaja - OCBC ID","startTime":364.09,"endTime":368.74,"body":"basically right. I spent about"},{"speaker":"altona widjaja - OCBC ID","startTime":368.83,"endTime":373.42,"body":"about one and a half years as a"},{"speaker":"altona widjaja - OCBC ID","startTime":368.83,"endTime":373.42,"body":"IT engineer, focusing on"},{"speaker":"altona widjaja - OCBC ID","startTime":373.42,"endTime":378.13,"body":"building reports, basically. And"},{"speaker":"altona widjaja - OCBC ID","startTime":373.42,"endTime":378.13,"body":"then from there, actually, I"},{"speaker":"altona widjaja - OCBC ID","startTime":378.13,"endTime":384.55,"body":"wanted to resign, right? Oh,"},{"speaker":"altona widjaja - OCBC ID","startTime":378.13,"endTime":384.55,"body":"really, yeah, because it is a"},{"speaker":"altona widjaja - OCBC ID","startTime":384.55,"endTime":387.37,"body":"bit of a thankless job,"},{"speaker":"altona widjaja - OCBC ID","startTime":384.55,"endTime":387.37,"body":"actually, right? If those of you"},{"speaker":"altona widjaja - OCBC ID","startTime":387.37,"endTime":392.11,"body":"guys hearing in it, you will"},{"speaker":"altona widjaja - OCBC ID","startTime":387.37,"endTime":392.11,"body":"know, I mean, right? So you"},{"speaker":"altona widjaja - OCBC ID","startTime":392.11,"endTime":397.3,"body":"gotta keep everything running by"},{"speaker":"altona widjaja - OCBC ID","startTime":392.11,"endTime":397.3,"body":"the same time you want to do"},{"speaker":"altona widjaja - OCBC ID","startTime":397.3,"endTime":401.26,"body":"announcements. So what I did"},{"speaker":"altona widjaja - OCBC ID","startTime":397.3,"endTime":401.26,"body":"last time was small. My milking"},{"speaker":"altona widjaja - OCBC ID","startTime":401.29,"endTime":404.8,"body":"hour is, like, on the, you know,"},{"speaker":"altona widjaja - OCBC ID","startTime":401.29,"endTime":404.8,"body":"nine to five is, is, you know,"},{"speaker":"altona widjaja - OCBC ID","startTime":404.83,"endTime":408.46,"body":"five fighting, right? And after"},{"speaker":"altona widjaja - OCBC ID","startTime":404.83,"endTime":408.46,"body":"that, I gotta do the projects,"},{"speaker":"altona widjaja - OCBC ID","startTime":408.73,"endTime":412.24,"body":"right? So I think it's, it's"},{"speaker":"altona widjaja - OCBC ID","startTime":408.73,"endTime":412.24,"body":"very taxing, right? So that's"},{"speaker":"altona widjaja - OCBC ID","startTime":412.24,"endTime":416.71,"body":"why I felt that no, enough,"},{"speaker":"altona widjaja - OCBC ID","startTime":412.24,"endTime":416.71,"body":"enough is enough, right? But I"},{"speaker":"altona widjaja - OCBC ID","startTime":416.71,"endTime":421.75,"body":"think thankfully, I met a very"},{"speaker":"altona widjaja - OCBC ID","startTime":416.71,"endTime":421.75,"body":"good boss and mentor right in my"},{"speaker":"altona widjaja - OCBC ID","startTime":421.75,"endTime":427.39,"body":"organization. He actually"},{"speaker":"altona widjaja - OCBC ID","startTime":421.75,"endTime":427.39,"body":"identified me early on"},{"speaker":"altona widjaja - OCBC ID","startTime":427.75,"endTime":431.56,"body":"identifying I'm Indonesian,"},{"speaker":"altona widjaja - OCBC ID","startTime":427.75,"endTime":431.56,"body":"right? And I work in OCBC,"},{"speaker":"altona widjaja - OCBC ID","startTime":431.56,"endTime":436.78,"body":"Singapore, and I think he had a"},{"speaker":"altona widjaja - OCBC ID","startTime":431.56,"endTime":436.78,"body":"plan to actually go to Indonesia"},{"speaker":"altona widjaja - OCBC ID","startTime":437.89,"endTime":442.45,"body":"to take up some role, basically,"},{"speaker":"altona widjaja - OCBC ID","startTime":437.89,"endTime":442.45,"body":"right when I wanted to resign,"},{"speaker":"altona widjaja - OCBC ID","startTime":442.99,"endTime":446.77,"body":"because it's a shared office"},{"speaker":"altona widjaja - OCBC ID","startTime":442.99,"endTime":446.77,"body":"right? Share office space. So"},{"speaker":"altona widjaja - OCBC ID","startTime":446.77,"endTime":449.41,"body":"this person was from Operation,"},{"speaker":"altona widjaja - OCBC ID","startTime":446.77,"endTime":449.41,"body":"Operation Technology, naturally,"},{"speaker":"altona widjaja - OCBC ID","startTime":449.41,"endTime":454.51,"body":"usually shared offices, same"},{"speaker":"altona widjaja - OCBC ID","startTime":449.41,"endTime":454.51,"body":"division. Usually, they called"},{"speaker":"altona widjaja - OCBC ID","startTime":454.51,"endTime":459.1,"body":"me up and said, I heard you"},{"speaker":"altona widjaja - OCBC ID","startTime":454.51,"endTime":459.1,"body":"resigning right. Then he"},{"speaker":"altona widjaja - OCBC ID","startTime":459.1,"endTime":462.79,"body":"actually stopped me and and"},{"speaker":"altona widjaja - OCBC ID","startTime":459.1,"endTime":462.79,"body":"saying that, why not you come"},{"speaker":"altona widjaja - OCBC ID","startTime":462.82,"endTime":468.16,"body":"work for me? Lah, right? And he"},{"speaker":"altona widjaja - OCBC ID","startTime":462.82,"endTime":468.16,"body":"actually provide me options,"},{"speaker":"altona widjaja - OCBC ID","startTime":468.22,"endTime":471.85,"body":"right? Asking me, which"},{"speaker":"altona widjaja - OCBC ID","startTime":468.22,"endTime":471.85,"body":"department do I want to join"},{"speaker":"altona widjaja - OCBC ID","startTime":472.3,"endTime":478.33,"body":"under his team? I felt that"},{"speaker":"altona widjaja - OCBC ID","startTime":472.3,"endTime":478.33,"body":"that's a very, very big gesture"},{"speaker":"altona widjaja - OCBC ID","startTime":478.33,"endTime":481.39,"body":"for Yeah, I know right, that"},{"speaker":"altona widjaja - OCBC ID","startTime":478.33,"endTime":481.39,"body":"that really changed, changed the"},{"speaker":"altona widjaja - OCBC ID","startTime":481.39,"endTime":486.19,"body":"way I see leadership and the way"},{"speaker":"altona widjaja - OCBC ID","startTime":481.39,"endTime":486.19,"body":"I also conduct my own team as"},{"speaker":"altona widjaja - OCBC ID","startTime":486.19,"endTime":489.91,"body":"well today. That created a big"},{"speaker":"altona widjaja - OCBC ID","startTime":486.19,"endTime":489.91,"body":"impact to me, right? That that's"},{"speaker":"altona widjaja - OCBC ID","startTime":489.94,"endTime":494.41,"body":"actual person that really cares"},{"speaker":"altona widjaja - OCBC ID","startTime":489.94,"endTime":494.41,"body":"about what you want, right,"},{"speaker":"altona widjaja - OCBC ID","startTime":494.41,"endTime":499.3,"body":"rather than this assigning task,"},{"speaker":"altona widjaja - OCBC ID","startTime":494.41,"endTime":499.3,"body":"and that's it, right? So then,"},{"speaker":"altona widjaja - OCBC ID","startTime":499.33,"endTime":502.18,"body":"because of that, I spent about,"},{"speaker":"altona widjaja - OCBC ID","startTime":499.33,"endTime":502.18,"body":"I think, about three years in"},{"speaker":"altona widjaja - OCBC ID","startTime":502.18,"endTime":507.16,"body":"operations, right? Still doing"},{"speaker":"altona widjaja - OCBC ID","startTime":502.18,"endTime":507.16,"body":"projects, improvement and all"},{"speaker":"altona widjaja - OCBC ID","startTime":507.16,"endTime":510.13,"body":"that. And that's also the"},{"speaker":"altona widjaja - OCBC ID","startTime":507.16,"endTime":510.13,"body":"opportunity, the first time I"},{"speaker":"altona widjaja - OCBC ID","startTime":510.13,"endTime":514.06,"body":"know OCBC entity in Indonesia,"},{"speaker":"altona widjaja - OCBC ID","startTime":510.13,"endTime":514.06,"body":"right? And that's kind of like"},{"speaker":"altona widjaja - OCBC ID","startTime":514.06,"endTime":518.5,"body":"my first experience working in"},{"speaker":"altona widjaja - OCBC ID","startTime":514.06,"endTime":518.5,"body":"Indonesia, right? Because before"},{"speaker":"altona widjaja - OCBC ID","startTime":518.5,"endTime":521.14,"body":"that Indonesia, I was just"},{"speaker":"altona widjaja - OCBC ID","startTime":518.5,"endTime":521.14,"body":"growing up and go to school and"},{"speaker":"altona widjaja - OCBC ID","startTime":521.14,"endTime":526.45,"body":"all that, which is very, very"},{"speaker":"altona widjaja - OCBC ID","startTime":521.14,"endTime":526.45,"body":"different, obviously, yeah, I"},{"speaker":"altona widjaja - OCBC ID","startTime":526.45,"endTime":531.97,"body":"did a few projects there. Here,"},{"speaker":"altona widjaja - OCBC ID","startTime":526.45,"endTime":531.97,"body":"basically now in Indonesia,"},{"speaker":"altona widjaja - OCBC ID","startTime":532.87,"endTime":537.34,"body":"about about three, three. After"},{"speaker":"altona widjaja - OCBC ID","startTime":532.87,"endTime":537.34,"body":"three years, I moved to and"},{"speaker":"altona widjaja - OCBC ID","startTime":537.34,"endTime":540.88,"body":"there's another gesture that"},{"speaker":"altona widjaja - OCBC ID","startTime":537.34,"endTime":540.88,"body":"this particular mentor and boss"},{"speaker":"altona widjaja - OCBC ID","startTime":541.33,"endTime":546.88,"body":"give me is that he identified"},{"speaker":"altona widjaja - OCBC ID","startTime":541.33,"endTime":546.88,"body":"that the consumer banking group"},{"speaker":"altona widjaja - OCBC ID","startTime":547.27,"endTime":550.69,"body":"is running some strategic"},{"speaker":"altona widjaja - OCBC ID","startTime":547.27,"endTime":550.69,"body":"project, right? And they"},{"speaker":"altona widjaja - OCBC ID","startTime":550.69,"endTime":555.73,"body":"actually offer me to go over"},{"speaker":"altona widjaja - OCBC ID","startTime":550.69,"endTime":555.73,"body":"there, right, to go out of his"},{"speaker":"altona widjaja - OCBC ID","startTime":555.73,"endTime":559.0,"body":"team and go to another team."},{"speaker":"altona widjaja - OCBC ID","startTime":555.73,"endTime":559.0,"body":"Basically, alright, which, which"},{"speaker":"altona widjaja - OCBC ID","startTime":559.36,"endTime":563.38,"body":"to do the similar law in"},{"speaker":"altona widjaja - OCBC ID","startTime":559.36,"endTime":563.38,"body":"Indonesia. So yeah, and he made"},{"speaker":"altona widjaja - OCBC ID","startTime":563.38,"endTime":566.59,"body":"it happen, right? So he actually"},{"speaker":"altona widjaja - OCBC ID","startTime":563.38,"endTime":566.59,"body":"transmit transforming over to"},{"speaker":"altona widjaja - OCBC ID","startTime":566.59,"endTime":572.26,"body":"the team, to the strategic"},{"speaker":"altona widjaja - OCBC ID","startTime":566.59,"endTime":572.26,"body":"office, basically right for"},{"speaker":"altona widjaja - OCBC ID","startTime":572.35,"endTime":577.36,"body":"Indonesia consumer strategy"},{"speaker":"altona widjaja - OCBC ID","startTime":572.35,"endTime":577.36,"body":"business. And then I spent"},{"speaker":"altona widjaja - OCBC ID","startTime":577.36,"endTime":579.85,"body":"another two years there. So in"},{"speaker":"altona widjaja - OCBC ID","startTime":577.36,"endTime":579.85,"body":"total, before I came here, I had"},{"speaker":"altona widjaja - OCBC ID","startTime":579.85,"endTime":582.52,"body":"about three to four years"},{"speaker":"altona widjaja - OCBC ID","startTime":579.85,"endTime":582.52,"body":"experience in terms of traveling"},{"speaker":"altona widjaja - OCBC ID","startTime":582.52,"endTime":587.26,"body":"in and out Singapore, right to"},{"speaker":"altona widjaja - OCBC ID","startTime":582.52,"endTime":587.26,"body":"Jakarta, obviously, then from"},{"speaker":"altona widjaja - OCBC ID","startTime":587.26,"endTime":591.61,"body":"there, then I moved to the"},{"speaker":"altona widjaja - OCBC ID","startTime":587.26,"endTime":591.61,"body":"innovation role, basically,"},{"speaker":"altona widjaja - OCBC ID","startTime":591.7,"endTime":594.34,"body":"sorry, before the MO, a"},{"speaker":"altona widjaja - OCBC ID","startTime":591.7,"endTime":594.34,"body":"strategic role, first for a"},{"speaker":"altona widjaja - OCBC ID","startTime":594.34,"endTime":599.77,"body":"year, helping my COO to run a"},{"speaker":"altona widjaja - OCBC ID","startTime":594.34,"endTime":599.77,"body":"shop, lah. Basically because he"},{"speaker":"altona widjaja - OCBC ID","startTime":599.77,"endTime":605.02,"body":"got, like he had 11 business"},{"speaker":"altona widjaja - OCBC ID","startTime":599.77,"endTime":605.02,"body":"units at that point of time. So"},{"speaker":"altona widjaja - OCBC ID","startTime":605.02,"endTime":610.72,"body":"I was there to help him to"},{"speaker":"altona widjaja - OCBC ID","startTime":605.02,"endTime":610.72,"body":"manage these things. Then from"},{"speaker":"altona widjaja - OCBC ID","startTime":610.72,"endTime":614.95,"body":"there, he said, I'm creating an"},{"speaker":"altona widjaja - OCBC ID","startTime":610.72,"endTime":614.95,"body":"innovation unit. Why don't you"},{"speaker":"altona widjaja - OCBC ID","startTime":614.95,"endTime":617.2,"body":"go into it basically right"},{"speaker":"altona widjaja - OCBC ID","startTime":614.95,"endTime":617.2,"body":"together with my boss at that"},{"speaker":"altona widjaja - OCBC ID","startTime":617.2,"endTime":621.88,"body":"time, prana Ho, set of digital"},{"speaker":"altona widjaja - OCBC ID","startTime":617.2,"endTime":621.88,"body":"so I did that, the innovation"},{"speaker":"altona widjaja - OCBC ID","startTime":621.88,"endTime":625.39,"body":"bit, in terms of, we call it the"},{"speaker":"altona widjaja - OCBC ID","startTime":621.88,"endTime":625.39,"body":"open world at that time, the"},{"speaker":"altona widjaja - OCBC ID","startTime":625.39,"endTime":630.7,"body":"time that a mess, was also"},{"speaker":"altona widjaja - OCBC ID","startTime":625.39,"endTime":630.7,"body":"pushing a lot on innovations for"},{"speaker":"altona widjaja - OCBC ID","startTime":630.7,"endTime":635.77,"body":"banking, basically, right? And"},{"speaker":"altona widjaja - OCBC ID","startTime":630.7,"endTime":635.77,"body":"from there, I spent about two,"},{"speaker":"altona widjaja - OCBC ID","startTime":635.8,"endTime":639.22,"body":"two years plus over there, and"},{"speaker":"altona widjaja - OCBC ID","startTime":635.8,"endTime":639.22,"body":"then the Indonesia opportunity"},{"speaker":"altona widjaja - OCBC ID","startTime":639.22,"endTime":643.57,"body":"came up, right? It's another"},{"speaker":"altona widjaja - OCBC ID","startTime":639.22,"endTime":643.57,"body":"strategic transformation project"},{"speaker":"altona widjaja - OCBC ID","startTime":643.57,"endTime":647.14,"body":"that they're going to run. So I"},{"speaker":"altona widjaja - OCBC ID","startTime":643.57,"endTime":647.14,"body":"put up my hand to kind of like,"},{"speaker":"altona widjaja - OCBC ID","startTime":647.26,"endTime":652.54,"body":"say that I see big opportunity"},{"speaker":"altona widjaja - OCBC ID","startTime":647.26,"endTime":652.54,"body":"for digital Indonesia, much,"},{"speaker":"altona widjaja - OCBC ID","startTime":652.54,"endTime":655.39,"body":"much bigger than what we can"},{"speaker":"altona widjaja - OCBC ID","startTime":652.54,"endTime":655.39,"body":"have in Singapore, and that's"},{"speaker":"altona widjaja - OCBC ID","startTime":655.39,"endTime":660.31,"body":"why I move over here for six"},{"speaker":"altona widjaja - OCBC ID","startTime":655.39,"endTime":660.31,"body":"years. And yeah, it's been, it's"},{"speaker":"altona widjaja - OCBC ID","startTime":660.31,"endTime":663.43,"body":"been a great journey for me."},{"speaker":"altona widjaja - OCBC ID","startTime":660.31,"endTime":663.43,"body":"Yeah, over here."},{"speaker":"Irza Suprapto","startTime":663.96,"endTime":667.8,"body":"So you are native"},{"speaker":"Irza Suprapto","startTime":663.96,"endTime":667.8,"body":"Indonesian who again, spent your"},{"speaker":"Irza Suprapto","startTime":667.8,"endTime":671.31,"body":"time in Singapore, studying,"},{"speaker":"Irza Suprapto","startTime":667.8,"endTime":671.31,"body":"getting tertiary education, and"},{"speaker":"Irza Suprapto","startTime":671.31,"endTime":675.36,"body":"then working in OCBC as a"},{"speaker":"Irza Suprapto","startTime":671.31,"endTime":675.36,"body":"programmer at first, but then"},{"speaker":"Irza Suprapto","startTime":675.36,"endTime":678.06,"body":"eventually you moved into roles"},{"speaker":"Irza Suprapto","startTime":675.36,"endTime":678.06,"body":"where you were traveling between"},{"speaker":"Irza Suprapto","startTime":678.06,"endTime":681.3,"body":"Singapore and Indonesia as well,"},{"speaker":"Irza Suprapto","startTime":678.06,"endTime":681.3,"body":"and finally made that move. I"},{"speaker":"Irza Suprapto","startTime":681.3,"endTime":686.76,"body":"believe you moved in 2018 to"},{"speaker":"Irza Suprapto","startTime":681.3,"endTime":686.76,"body":"full time in Indonesia. So,"},{"speaker":"Irza Suprapto","startTime":687.72,"endTime":690.75,"body":"yeah, if I may ask you, you"},{"speaker":"Irza Suprapto","startTime":687.72,"endTime":690.75,"body":"know, if you mentioned you grew"},{"speaker":"Irza Suprapto","startTime":690.75,"endTime":694.2,"body":"up just going to school, were"},{"speaker":"Irza Suprapto","startTime":690.75,"endTime":694.2,"body":"you? Are you from Jakarta?"},{"speaker":"altona widjaja - OCBC ID","startTime":695.7,"endTime":696.75,"body":"I am"},{"speaker":"altona widjaja - OCBC ID","startTime":695.7,"endTime":696.75,"body":"from Jakarta."},{"speaker":"Irza Suprapto","startTime":696.78,"endTime":699.3,"body":"Okay, so Jakarta"},{"speaker":"Irza Suprapto","startTime":696.78,"endTime":699.3,"body":"is obviously something you're"},{"speaker":"Irza Suprapto","startTime":699.3,"endTime":701.64,"body":"very, very familiar with, but"},{"speaker":"Irza Suprapto","startTime":699.3,"endTime":701.64,"body":"looking at it from that"},{"speaker":"Irza Suprapto","startTime":701.64,"endTime":704.19,"body":"perspective, right? You have the"},{"speaker":"Irza Suprapto","startTime":701.64,"endTime":704.19,"body":"OCBC operations out of"},{"speaker":"Irza Suprapto","startTime":704.19,"endTime":707.61,"body":"Singapore, and then also after"},{"speaker":"Irza Suprapto","startTime":704.19,"endTime":707.61,"body":"your move for six years in"},{"speaker":"Irza Suprapto","startTime":707.61,"endTime":710.52,"body":"Indonesia. What would you say,"},{"speaker":"Irza Suprapto","startTime":707.61,"endTime":710.52,"body":"especially since you ran that"},{"speaker":"Irza Suprapto","startTime":710.94,"endTime":714.75,"body":"the Open Vault, which was, I"},{"speaker":"Irza Suprapto","startTime":710.94,"endTime":714.75,"body":"think that started around 2016,"},{"speaker":"Irza Suprapto","startTime":714.81,"endTime":719.82,"body":"2017. Am I correct in OCBC?"},{"speaker":"Irza Suprapto","startTime":714.81,"endTime":719.82,"body":"What's the difference between"},{"speaker":"Irza Suprapto","startTime":719.85,"endTime":724.02,"body":"the innovation landscapes in"},{"speaker":"Irza Suprapto","startTime":719.85,"endTime":724.02,"body":"Indonesia versus, say, in"},{"speaker":"Irza Suprapto","startTime":724.02,"endTime":724.47,"body":"Singapore."},{"speaker":"altona widjaja - OCBC ID","startTime":726.51,"endTime":731.13,"body":"I"},{"speaker":"altona widjaja - OCBC ID","startTime":726.51,"endTime":731.13,"body":"think in Singapore, like the"},{"speaker":"altona widjaja - OCBC ID","startTime":731.16,"endTime":735.33,"body":"market is small, right? And when"},{"speaker":"altona widjaja - OCBC ID","startTime":731.16,"endTime":735.33,"body":"the market is small, I think the"},{"speaker":"altona widjaja - OCBC ID","startTime":735.36,"endTime":741.63,"body":"focus is on a few incremental or"},{"speaker":"altona widjaja - OCBC ID","startTime":735.36,"endTime":741.63,"body":"innovative solution will kind of"},{"speaker":"altona widjaja - OCBC ID","startTime":741.63,"endTime":744.69,"body":"like, can create the hype,"},{"speaker":"altona widjaja - OCBC ID","startTime":741.63,"endTime":744.69,"body":"basically, right? And to the"},{"speaker":"altona widjaja - OCBC ID","startTime":744.69,"endTime":748.95,"body":"customer, maybe you become"},{"speaker":"altona widjaja - OCBC ID","startTime":744.69,"endTime":748.95,"body":"valuable, right? If we take"},{"speaker":"altona widjaja - OCBC ID","startTime":748.98,"endTime":757.5,"body":"example, maybe in the past, with"},{"speaker":"altona widjaja - OCBC ID","startTime":748.98,"endTime":757.5,"body":"this life saving school, I don't"},{"speaker":"altona widjaja - OCBC ID","startTime":757.5,"endTime":759.57,"body":"know whether you know, OCBC"},{"speaker":"altona widjaja - OCBC ID","startTime":757.5,"endTime":759.57,"body":"Singapore has a savings goal,"},{"speaker":"altona widjaja - OCBC ID","startTime":759.84,"endTime":763.65,"body":"right? That's one part of small"},{"speaker":"altona widjaja - OCBC ID","startTime":759.84,"endTime":763.65,"body":"innovation that that kind of"},{"speaker":"altona widjaja - OCBC ID","startTime":763.65,"endTime":767.1,"body":"like propel one of the value"},{"speaker":"altona widjaja - OCBC ID","startTime":763.65,"endTime":767.1,"body":"proposition for OCBC in"},{"speaker":"altona widjaja - OCBC ID","startTime":767.1,"endTime":771.81,"body":"Singapore, right? Whereby, in"},{"speaker":"altona widjaja - OCBC ID","startTime":767.1,"endTime":771.81,"body":"Indonesia, maybe something like"},{"speaker":"altona widjaja - OCBC ID","startTime":771.81,"endTime":777.39,"body":"that can be, can be us"},{"speaker":"altona widjaja - OCBC ID","startTime":771.81,"endTime":777.39,"body":"innovative, but it doesn't"},{"speaker":"altona widjaja - OCBC ID","startTime":777.75,"endTime":781.02,"body":"always translate to direct"},{"speaker":"altona widjaja - OCBC ID","startTime":777.75,"endTime":781.02,"body":"contribution to the revenue of"},{"speaker":"altona widjaja - OCBC ID","startTime":781.02,"endTime":785.88,"body":"the business, right? Because I"},{"speaker":"altona widjaja - OCBC ID","startTime":781.02,"endTime":785.88,"body":"think in Indonesia, it's a"},{"speaker":"altona widjaja - OCBC ID","startTime":785.88,"endTime":789.9,"body":"country that is a little bit"},{"speaker":"altona widjaja - OCBC ID","startTime":785.88,"endTime":789.9,"body":"messy, right? So I think they"},{"speaker":"altona widjaja - OCBC ID","startTime":789.9,"endTime":792.75,"body":"appreciate, they don't"},{"speaker":"altona widjaja - OCBC ID","startTime":789.9,"endTime":792.75,"body":"appreciate efficiency too much,"},{"speaker":"altona widjaja - OCBC ID","startTime":792.78,"endTime":798.63,"body":"right, but they appreciate more"},{"speaker":"altona widjaja - OCBC ID","startTime":792.78,"endTime":798.63,"body":"in terms of, how can I make more"},{"speaker":"altona widjaja - OCBC ID","startTime":798.63,"endTime":802.02,"body":"money, right? And it happens"},{"speaker":"altona widjaja - OCBC ID","startTime":798.63,"endTime":802.02,"body":"also in terms of that's for"},{"speaker":"altona widjaja - OCBC ID","startTime":802.02,"endTime":805.02,"body":"personal it happens also in the"},{"speaker":"altona widjaja - OCBC ID","startTime":802.02,"endTime":805.02,"body":"business landscape. So many"},{"speaker":"altona widjaja - OCBC ID","startTime":805.02,"endTime":808.86,"body":"accounting platforms being used"},{"speaker":"altona widjaja - OCBC ID","startTime":805.02,"endTime":808.86,"body":"in Singapore, right? But in"},{"speaker":"altona widjaja - OCBC ID","startTime":808.86,"endTime":813.36,"body":"Indonesia is almost"},{"speaker":"altona widjaja - OCBC ID","startTime":808.86,"endTime":813.36,"body":"non-existent, right, especially"},{"speaker":"altona widjaja - OCBC ID","startTime":813.36,"endTime":816.81,"body":"for the very, very small"},{"speaker":"altona widjaja - OCBC ID","startTime":813.36,"endTime":816.81,"body":"business, right? Yeah. So I"},{"speaker":"altona widjaja - OCBC ID","startTime":816.81,"endTime":820.59,"body":"think that that is kind of like"},{"speaker":"altona widjaja - OCBC ID","startTime":816.81,"endTime":820.59,"body":"the difference in terms of the"},{"speaker":"altona widjaja - OCBC ID","startTime":820.59,"endTime":825.33,"body":"value that they put in"},{"speaker":"altona widjaja - OCBC ID","startTime":820.59,"endTime":825.33,"body":"innovation is different, right?"},{"speaker":"altona widjaja - OCBC ID","startTime":825.48,"endTime":828.15,"body":"And that also creates a"},{"speaker":"altona widjaja - OCBC ID","startTime":825.48,"endTime":828.15,"body":"difference in terms of, how can"},{"speaker":"altona widjaja - OCBC ID","startTime":828.15,"endTime":831.33,"body":"we think about innovation in the"},{"speaker":"altona widjaja - OCBC ID","startTime":828.15,"endTime":831.33,"body":"respective country? Yeah."},{"speaker":"Irza Suprapto","startTime":831.78,"endTime":834.18,"body":"for our guests"},{"speaker":"Irza Suprapto","startTime":831.78,"endTime":834.18,"body":"who are listening, I think more"},{"speaker":"Irza Suprapto","startTime":834.18,"endTime":837.03,"body":"than half of our the people"},{"speaker":"Irza Suprapto","startTime":834.18,"endTime":837.03,"body":"listening to our podcast"},{"speaker":"Irza Suprapto","startTime":837.33,"endTime":840.54,"body":"actually outside of Southeast"},{"speaker":"Irza Suprapto","startTime":837.33,"endTime":840.54,"body":"Asia. To give you some context,"},{"speaker":"Irza Suprapto","startTime":840.54,"endTime":842.61,"body":"and I like doing this all over"},{"speaker":"Irza Suprapto","startTime":840.54,"endTime":842.61,"body":"again, Singapore has a"},{"speaker":"Irza Suprapto","startTime":842.61,"endTime":847.44,"body":"population of roughly, what, 5,"},{"speaker":"Irza Suprapto","startTime":842.61,"endTime":847.44,"body":"6 million people, where OCBC is"},{"speaker":"Irza Suprapto","startTime":847.59,"endTime":851.52,"body":"one of the three local banks,"},{"speaker":"Irza Suprapto","startTime":847.59,"endTime":851.52,"body":"whereas in Indonesia, it's what,"},{"speaker":"Irza Suprapto","startTime":851.55,"endTime":855.21,"body":"280 million people now, yeah,"},{"speaker":"Irza Suprapto","startTime":851.55,"endTime":855.21,"body":"right. Now, that's right. You"},{"speaker":"Irza Suprapto","startTime":855.21,"endTime":859.23,"body":"have a lot of different banks,"},{"speaker":"Irza Suprapto","startTime":855.21,"endTime":859.23,"body":"and GDP per capita in Singapore"},{"speaker":"Irza Suprapto","startTime":859.23,"endTime":863.46,"body":"is somewhere in the 80 to"},{"speaker":"Irza Suprapto","startTime":859.23,"endTime":863.46,"body":"$90,000 whereas in Indonesia"},{"speaker":"Irza Suprapto","startTime":863.46,"endTime":866.82,"body":"it's something like $4,000 yeah."},{"speaker":"Irza Suprapto","startTime":863.46,"endTime":866.82,"body":"So it's completely different"},{"speaker":"Irza Suprapto","startTime":866.82,"endTime":870.3,"body":"markets. Size of the markets are"},{"speaker":"Irza Suprapto","startTime":866.82,"endTime":870.3,"body":"completely different as well."},{"speaker":"Irza Suprapto","startTime":870.3,"endTime":874.29,"body":"And I think that put some"},{"speaker":"Irza Suprapto","startTime":870.3,"endTime":874.29,"body":"context into what Altona was"},{"speaker":"Irza Suprapto","startTime":874.5,"endTime":878.49,"body":"saying earlier. So in terms of"},{"speaker":"Irza Suprapto","startTime":874.5,"endTime":878.49,"body":"innovation in, let's say, in"},{"speaker":"Irza Suprapto","startTime":878.55,"endTime":881.37,"body":"Indonesia, and obviously, you're"},{"speaker":"Irza Suprapto","startTime":878.55,"endTime":881.37,"body":"at a different stage of your"},{"speaker":"Irza Suprapto","startTime":881.37,"endTime":884.31,"body":"career now. What are the things"},{"speaker":"Irza Suprapto","startTime":881.37,"endTime":884.31,"body":"that you are seeing which"},{"speaker":"Irza Suprapto","startTime":884.34,"endTime":887.64,"body":"actually are driving change?"},{"speaker":"Irza Suprapto","startTime":884.34,"endTime":887.64,"body":"Because I remember you said"},{"speaker":"Irza Suprapto","startTime":887.88,"endTime":892.71,"body":"sometime last year, right? Like"},{"speaker":"Irza Suprapto","startTime":887.88,"endTime":892.71,"body":"banks are like, what a tanker,"},{"speaker":"Irza Suprapto","startTime":892.71,"endTime":896.55,"body":"whereas startups are more like"},{"speaker":"Irza Suprapto","startTime":892.71,"endTime":896.55,"body":"speed boats, right? So what?"},{"speaker":"Irza Suprapto","startTime":896.55,"endTime":900.45,"body":"What kind of changes within the"},{"speaker":"Irza Suprapto","startTime":896.55,"endTime":900.45,"body":"banking landscape in Indonesia,"},{"speaker":"Irza Suprapto","startTime":900.45,"endTime":903.12,"body":"do you think are going to or are"},{"speaker":"Irza Suprapto","startTime":900.45,"endTime":903.12,"body":"driving change?"},{"speaker":"altona widjaja - OCBC ID","startTime":903.96,"endTime":908.07,"body":"Okay,"},{"speaker":"altona widjaja - OCBC ID","startTime":903.96,"endTime":908.07,"body":"I think definitely one of the"},{"speaker":"altona widjaja - OCBC ID","startTime":908.07,"endTime":913.02,"body":"key, key factor for Indonesia is"},{"speaker":"altona widjaja - OCBC ID","startTime":908.07,"endTime":913.02,"body":"always been the regulation,"},{"speaker":"altona widjaja - OCBC ID","startTime":913.41,"endTime":921.84,"body":"right? Banking, yes. But also in"},{"speaker":"altona widjaja - OCBC ID","startTime":913.41,"endTime":921.84,"body":"general, I give an example last"},{"speaker":"altona widjaja - OCBC ID","startTime":921.84,"endTime":925.68,"body":"time before this, we call it"},{"speaker":"altona widjaja - OCBC ID","startTime":921.84,"endTime":925.68,"body":"better, JS, right? Or in"},{"speaker":"altona widjaja - OCBC ID","startTime":925.68,"endTime":931.89,"body":"Singapore, CPF, so basically a"},{"speaker":"altona widjaja - OCBC ID","startTime":925.68,"endTime":931.89,"body":"pen pension, yeah, pension. It's"},{"speaker":"altona widjaja - OCBC ID","startTime":931.89,"endTime":936.15,"body":"like a mechanism whereby pension"},{"speaker":"altona widjaja - OCBC ID","startTime":931.89,"endTime":936.15,"body":"scheme, whereby the employees"},{"speaker":"altona widjaja - OCBC ID","startTime":936.15,"endTime":939.12,"body":"need to, kind of like,"},{"speaker":"altona widjaja - OCBC ID","startTime":936.15,"endTime":939.12,"body":"contribute, right to the to the"},{"speaker":"altona widjaja - OCBC ID","startTime":939.12,"endTime":945.0,"body":"pension scheme. Before that rule"},{"speaker":"altona widjaja - OCBC ID","startTime":939.12,"endTime":945.0,"body":"was being that law was being"},{"speaker":"altona widjaja - OCBC ID","startTime":945.03,"endTime":949.92,"body":"passed, right? Nobody uses a HR"},{"speaker":"altona widjaja - OCBC ID","startTime":945.03,"endTime":949.92,"body":"system, right? But after that,"},{"speaker":"altona widjaja - OCBC ID","startTime":949.98,"endTime":955.32,"body":"that rule, that law is out. Now"},{"speaker":"altona widjaja - OCBC ID","startTime":949.98,"endTime":955.32,"body":"everybody need HR system to,"},{"speaker":"altona widjaja - OCBC ID","startTime":955.32,"endTime":958.14,"body":"kind of like, correctly"},{"speaker":"altona widjaja - OCBC ID","startTime":955.32,"endTime":958.14,"body":"calculate the amount that, how"},{"speaker":"altona widjaja - OCBC ID","startTime":958.14,"endTime":960.66,"body":"you split the the amount from"},{"speaker":"altona widjaja - OCBC ID","startTime":958.14,"endTime":960.66,"body":"the your which you mentioned,"},{"speaker":"altona widjaja - OCBC ID","startTime":960.66,"endTime":964.02,"body":"basically, right? So, so that is"},{"speaker":"altona widjaja - OCBC ID","startTime":960.66,"endTime":964.02,"body":"kind of like one of the changes"},{"speaker":"altona widjaja - OCBC ID","startTime":964.02,"endTime":967.59,"body":"that that happens and it impacts"},{"speaker":"altona widjaja - OCBC ID","startTime":964.02,"endTime":967.59,"body":"to banks like us as well,"},{"speaker":"altona widjaja - OCBC ID","startTime":967.95,"endTime":973.05,"body":"because that means it can be a"},{"speaker":"altona widjaja - OCBC ID","startTime":967.95,"endTime":973.05,"body":"value add for us to if the"},{"speaker":"altona widjaja - OCBC ID","startTime":973.05,"endTime":977.7,"body":"calculation of the payroll to"},{"speaker":"altona widjaja - OCBC ID","startTime":973.05,"endTime":977.7,"body":"include those components as"},{"speaker":"altona widjaja - OCBC ID","startTime":977.7,"endTime":980.04,"body":"well, for example, that can be"},{"speaker":"altona widjaja - OCBC ID","startTime":977.7,"endTime":980.04,"body":"an additional service, because"},{"speaker":"altona widjaja - OCBC ID","startTime":980.04,"endTime":983.28,"body":"it's a pain point that was"},{"speaker":"altona widjaja - OCBC ID","startTime":980.04,"endTime":983.28,"body":"created by having this new"},{"speaker":"altona widjaja - OCBC ID","startTime":983.28,"endTime":985.38,"body":"regulations, basically, right?"},{"speaker":"altona widjaja - OCBC ID","startTime":983.28,"endTime":985.38,"body":"So I think that's one factor."},{"speaker":"altona widjaja - OCBC ID","startTime":985.95,"endTime":990.69,"body":"The second factor is obviously"},{"speaker":"altona widjaja - OCBC ID","startTime":985.95,"endTime":990.69,"body":"the the change in terms of,"},{"speaker":"altona widjaja - OCBC ID","startTime":990.69,"endTime":997.41,"body":"like, the market demand and"},{"speaker":"altona widjaja - OCBC ID","startTime":990.69,"endTime":997.41,"body":"behavior, right? QR, right. For"},{"speaker":"altona widjaja - OCBC ID","startTime":997.41,"endTime":1001.7,"body":"example, initially was a heavy"},{"speaker":"altona widjaja - OCBC ID","startTime":997.41,"endTime":1001.7,"body":"start, actually, right?"},{"speaker":"altona widjaja - OCBC ID","startTime":1001.73,"endTime":1006.5,"body":"Initially, was very challenging"},{"speaker":"altona widjaja - OCBC ID","startTime":1001.73,"endTime":1006.5,"body":"for them to be able to to accept"},{"speaker":"altona widjaja - OCBC ID","startTime":1006.8,"endTime":1013.82,"body":"a mode of payment of QR, right?"},{"speaker":"altona widjaja - OCBC ID","startTime":1006.8,"endTime":1013.82,"body":"And I think this, this push on"},{"speaker":"altona widjaja - OCBC ID","startTime":1013.82,"endTime":1018.41,"body":"QR today, as is being accepted"},{"speaker":"altona widjaja - OCBC ID","startTime":1013.82,"endTime":1018.41,"body":"quite well in big cities, right?"},{"speaker":"altona widjaja - OCBC ID","startTime":1018.68,"endTime":1021.65,"body":"But it's still very, still quite"},{"speaker":"altona widjaja - OCBC ID","startTime":1018.68,"endTime":1021.65,"body":"challenging for a lot of the"},{"speaker":"altona widjaja - OCBC ID","startTime":1021.65,"endTime":1026.57,"body":"small, small cities, right? And"},{"speaker":"altona widjaja - OCBC ID","startTime":1021.65,"endTime":1026.57,"body":"this is because the the behavior"},{"speaker":"altona widjaja - OCBC ID","startTime":1026.57,"endTime":1031.4,"body":"right of the market itself,"},{"speaker":"altona widjaja - OCBC ID","startTime":1026.57,"endTime":1031.4,"body":"basically in in the biggest"},{"speaker":"altona widjaja - OCBC ID","startTime":1031.4,"endTime":1036.35,"body":"cities, maybe people already get"},{"speaker":"altona widjaja - OCBC ID","startTime":1031.4,"endTime":1036.35,"body":"paid their salary to to a"},{"speaker":"altona widjaja - OCBC ID","startTime":1036.35,"endTime":1040.34,"body":"banking system, right, money"},{"speaker":"altona widjaja - OCBC ID","startTime":1036.35,"endTime":1040.34,"body":"transfers and all that. But"},{"speaker":"altona widjaja - OCBC ID","startTime":1040.34,"endTime":1043.22,"body":"maybe in a very small city"},{"speaker":"altona widjaja - OCBC ID","startTime":1040.34,"endTime":1043.22,"body":"whereby when you do certain job,"},{"speaker":"altona widjaja - OCBC ID","startTime":1043.28,"endTime":1047.33,"body":"you still get paid by cash,"},{"speaker":"altona widjaja - OCBC ID","startTime":1043.28,"endTime":1047.33,"body":"right? And that and that that"},{"speaker":"altona widjaja - OCBC ID","startTime":1047.36,"endTime":1052.01,"body":"dictate the the kind of like,"},{"speaker":"altona widjaja - OCBC ID","startTime":1047.36,"endTime":1052.01,"body":"the innovation that's required"},{"speaker":"altona widjaja - OCBC ID","startTime":1052.73,"endTime":1057.26,"body":"to be able to kind of like,"},{"speaker":"altona widjaja - OCBC ID","startTime":1052.73,"endTime":1057.26,"body":"address the needs of the people,"},{"speaker":"altona widjaja - OCBC ID","startTime":1057.29,"endTime":1061.67,"body":"right? So that's number two, I"},{"speaker":"altona widjaja - OCBC ID","startTime":1057.29,"endTime":1061.67,"body":"think lastly is, is is more"},{"speaker":"altona widjaja - OCBC ID","startTime":1061.67,"endTime":1066.74,"body":"towards the the availability of"},{"speaker":"altona widjaja - OCBC ID","startTime":1061.67,"endTime":1066.74,"body":"capital, or companies that are"},{"speaker":"altona widjaja - OCBC ID","startTime":1066.74,"endTime":1071.15,"body":"willing to spend money to be"},{"speaker":"altona widjaja - OCBC ID","startTime":1066.74,"endTime":1071.15,"body":"able to change the behavior of"},{"speaker":"altona widjaja - OCBC ID","startTime":1071.15,"endTime":1074.93,"body":"the customer, basically, right?"},{"speaker":"altona widjaja - OCBC ID","startTime":1071.15,"endTime":1074.93,"body":"Why? Why? The, if I take the"},{"speaker":"altona widjaja - OCBC ID","startTime":1074.96,"endTime":1079.13,"body":"same QR example again, is that"},{"speaker":"altona widjaja - OCBC ID","startTime":1074.96,"endTime":1079.13,"body":"in Singapore, maybe, as I"},{"speaker":"altona widjaja - OCBC ID","startTime":1079.13,"endTime":1083.12,"body":"recall, there's not much"},{"speaker":"altona widjaja - OCBC ID","startTime":1079.13,"endTime":1083.12,"body":"promotion, right? Or, like"},{"speaker":"altona widjaja - OCBC ID","startTime":1083.36,"endTime":1086.3,"body":"rebates when you pay through pay"},{"speaker":"altona widjaja - OCBC ID","startTime":1083.36,"endTime":1086.3,"body":"now or QR, basically, right? But"},{"speaker":"altona widjaja - OCBC ID","startTime":1086.3,"endTime":1089.48,"body":"in Indonesia, it's like in the"},{"speaker":"altona widjaja - OCBC ID","startTime":1086.3,"endTime":1089.48,"body":"past, like even credit card,"},{"speaker":"altona widjaja - OCBC ID","startTime":1089.48,"endTime":1092.51,"body":"right? Credit card, you can get"},{"speaker":"altona widjaja - OCBC ID","startTime":1089.48,"endTime":1092.51,"body":"50% discount on restaurants,"},{"speaker":"altona widjaja - OCBC ID","startTime":1092.54,"endTime":1097.28,"body":"right? Yeah, and, and like, for,"},{"speaker":"altona widjaja - OCBC ID","startTime":1092.54,"endTime":1097.28,"body":"for, for Imani, for QR, last"},{"speaker":"altona widjaja - OCBC ID","startTime":1097.28,"endTime":1102.62,"body":"time it can be 30% rebate, no"},{"speaker":"altona widjaja - OCBC ID","startTime":1097.28,"endTime":1102.62,"body":"cap, right? So, literally, 30%"},{"speaker":"altona widjaja - OCBC ID","startTime":1102.62,"endTime":1106.73,"body":"rebate, right? And that"},{"speaker":"altona widjaja - OCBC ID","startTime":1102.62,"endTime":1106.73,"body":"obviously changed the way people"},{"speaker":"altona widjaja - OCBC ID","startTime":1106.73,"endTime":1109.76,"body":"behave, right? I also just met"},{"speaker":"altona widjaja - OCBC ID","startTime":1106.73,"endTime":1109.76,"body":"with the large e commerce player"},{"speaker":"altona widjaja - OCBC ID","startTime":1109.76,"endTime":1114.02,"body":"today, saying that, if you"},{"speaker":"altona widjaja - OCBC ID","startTime":1109.76,"endTime":1114.02,"body":"notice, our E-commerce no longer"},{"speaker":"altona widjaja - OCBC ID","startTime":1114.02,"endTime":1118.31,"body":"have promotion, right? Whereby,"},{"speaker":"altona widjaja - OCBC ID","startTime":1114.02,"endTime":1118.31,"body":"in the past, you always get this"},{"speaker":"altona widjaja - OCBC ID","startTime":1118.31,"endTime":1121.43,"body":"kind of rebate, the kind of"},{"speaker":"altona widjaja - OCBC ID","startTime":1118.31,"endTime":1121.43,"body":"rebate, and they started to add"},{"speaker":"altona widjaja - OCBC ID","startTime":1121.46,"endTime":1124.22,"body":"a lot more costs and fees over"},{"speaker":"altona widjaja - OCBC ID","startTime":1121.46,"endTime":1124.22,"body":"there. But consumer behavior"},{"speaker":"altona widjaja - OCBC ID","startTime":1124.22,"endTime":1126.8,"body":"didn't change, right? People are"},{"speaker":"altona widjaja - OCBC ID","startTime":1124.22,"endTime":1126.8,"body":"still buying from the same"},{"speaker":"altona widjaja - OCBC ID","startTime":1126.8,"endTime":1129.17,"body":"platform, because it's been"},{"speaker":"altona widjaja - OCBC ID","startTime":1126.8,"endTime":1129.17,"body":"their lifestyle for maybe now 9"},{"speaker":"altona widjaja - OCBC ID","startTime":1129.17,"endTime":1133.4,"body":"years. Yeah, so I think, I"},{"speaker":"altona widjaja - OCBC ID","startTime":1129.17,"endTime":1133.4,"body":"think, I think that that is"},{"speaker":"altona widjaja - OCBC ID","startTime":1133.85,"endTime":1137.0,"body":"definitely a driving factor for"},{"speaker":"altona widjaja - OCBC ID","startTime":1133.85,"endTime":1137.0,"body":"for landscape in terms of"},{"speaker":"altona widjaja - OCBC ID","startTime":1137.03,"endTime":1138.77,"body":"digital discipline, yeah,"},{"speaker":"Irza Suprapto","startTime":1138.0,"endTime":1141.09,"body":"Yeah. What I find"},{"speaker":"Irza Suprapto","startTime":1138.0,"endTime":1141.09,"body":"interesting, I was just in"},{"speaker":"Irza Suprapto","startTime":1141.15,"endTime":1144.81,"body":"Jakarta two weeks ago, and then"},{"speaker":"Irza Suprapto","startTime":1141.15,"endTime":1144.81,"body":"I think there was this Grab,"},{"speaker":"Irza Suprapto","startTime":1145.44,"endTime":1149.46,"body":"Grab Pay. So if you use we don't"},{"speaker":"Irza Suprapto","startTime":1145.44,"endTime":1149.46,"body":"have, I mean, foreigners, we"},{"speaker":"Irza Suprapto","startTime":1149.46,"endTime":1152.82,"body":"don't have local bank credit"},{"speaker":"Irza Suprapto","startTime":1149.46,"endTime":1152.82,"body":"cards. I see promotions for all"},{"speaker":"Irza Suprapto","startTime":1152.85,"endTime":1155.88,"body":"BCA Monday credit cards, but I"},{"speaker":"Irza Suprapto","startTime":1152.85,"endTime":1155.88,"body":"don't have a BCA Monday credit"},{"speaker":"Irza Suprapto","startTime":1155.88,"endTime":1158.34,"body":"card. And what I found"},{"speaker":"Irza Suprapto","startTime":1155.88,"endTime":1158.34,"body":"interesting was, in the last"},{"speaker":"Irza Suprapto","startTime":1158.34,"endTime":1161.25,"body":"restaurant I went, they had a"},{"speaker":"Irza Suprapto","startTime":1158.34,"endTime":1161.25,"body":"pay with grab pay, and then you"},{"speaker":"Irza Suprapto","startTime":1161.25,"endTime":1165.42,"body":"get, like you mentioned, up to"},{"speaker":"Irza Suprapto","startTime":1161.25,"endTime":1165.42,"body":"30 to 50% off. And then that was"},{"speaker":"Irza Suprapto","startTime":1165.42,"endTime":1167.94,"body":"so easy to do, right? Because"},{"speaker":"Irza Suprapto","startTime":1165.42,"endTime":1167.94,"body":"you just scan the QR code, and"},{"speaker":"Irza Suprapto","startTime":1167.94,"endTime":1171.75,"body":"then you can pay from your"},{"speaker":"Irza Suprapto","startTime":1167.94,"endTime":1171.75,"body":"foreign credit correct. And that"},{"speaker":"Irza Suprapto","startTime":1171.75,"endTime":1172.38,"body":"was great for me."},{"speaker":"altona widjaja - OCBC ID","startTime":1172.38,"endTime":1173.46,"body":"So"},{"speaker":"altona widjaja - OCBC ID","startTime":1172.38,"endTime":1173.46,"body":"even though now they are"},{"speaker":"altona widjaja - OCBC ID","startTime":1173.46,"endTime":1173.85,"body":"smarter."},{"speaker":"Irza Suprapto","startTime":1175.29,"endTime":1180.9,"body":"Yeah, if you can"},{"speaker":"Irza Suprapto","startTime":1175.29,"endTime":1180.9,"body":"just do that, right. Okay, but"},{"speaker":"Irza Suprapto","startTime":1180.93,"endTime":1184.26,"body":"you know, talking about, like,"},{"speaker":"Irza Suprapto","startTime":1180.93,"endTime":1184.26,"body":"selling out, like, like you"},{"speaker":"Irza Suprapto","startTime":1184.26,"endTime":1186.99,"body":"mentioned, right? You mentioned,"},{"speaker":"Irza Suprapto","startTime":1184.26,"endTime":1186.99,"body":"around, like, the pension"},{"speaker":"Irza Suprapto","startTime":1186.99,"endTime":1189.81,"body":"scheme, and whereby, if you get,"},{"speaker":"Irza Suprapto","startTime":1186.99,"endTime":1189.81,"body":"if you get paid by a bank, and"},{"speaker":"Irza Suprapto","startTime":1189.81,"endTime":1192.66,"body":"then the value added value"},{"speaker":"Irza Suprapto","startTime":1189.81,"endTime":1192.66,"body":"service that OCBC can do is,"},{"speaker":"Irza Suprapto","startTime":1192.66,"endTime":1196.44,"body":"like, whereby you help with the"},{"speaker":"Irza Suprapto","startTime":1192.66,"endTime":1196.44,"body":"calculations for, for these kind"},{"speaker":"Irza Suprapto","startTime":1196.47,"endTime":1199.71,"body":"of, you know, products, so to"},{"speaker":"Irza Suprapto","startTime":1196.47,"endTime":1199.71,"body":"speak, for your, I'm guessing,"},{"speaker":"Irza Suprapto","startTime":1199.71,"endTime":1202.74,"body":"for Corporate Customers. These"},{"speaker":"Irza Suprapto","startTime":1199.71,"endTime":1202.74,"body":"are things you build in house."},{"speaker":"Irza Suprapto","startTime":1202.74,"endTime":1206.13,"body":"You have, do you have a large"},{"speaker":"Irza Suprapto","startTime":1202.74,"endTime":1206.13,"body":"development team in Indonesia?"},{"speaker":"altona widjaja - OCBC ID","startTime":1207.84,"endTime":1211.83,"body":"Yeah."},{"speaker":"altona widjaja - OCBC ID","startTime":1207.84,"endTime":1211.83,"body":"So I think Indonesia, OCBC has"},{"speaker":"altona widjaja - OCBC ID","startTime":1211.83,"endTime":1216.42,"body":"always been a built shop, right?"},{"speaker":"altona widjaja - OCBC ID","startTime":1211.83,"endTime":1216.42,"body":"Meaning we, we built a lot of"},{"speaker":"altona widjaja - OCBC ID","startTime":1216.45,"endTime":1219.63,"body":"things ourselves. We do have"},{"speaker":"altona widjaja - OCBC ID","startTime":1216.45,"endTime":1219.63,"body":"some systems, obviously, they"},{"speaker":"altona widjaja - OCBC ID","startTime":1219.63,"endTime":1225.96,"body":"are we buy, yeah, but largely we"},{"speaker":"altona widjaja - OCBC ID","startTime":1219.63,"endTime":1225.96,"body":"build, we say, big team,"},{"speaker":"altona widjaja - OCBC ID","startTime":1227.1,"endTime":1230.94,"body":"relatively mid size lah,"},{"speaker":"altona widjaja - OCBC ID","startTime":1227.1,"endTime":1230.94,"body":"probably, right, not so much big"},{"speaker":"altona widjaja - OCBC ID","startTime":1230.94,"endTime":1233.61,"body":"because, because there's a lot"},{"speaker":"altona widjaja - OCBC ID","startTime":1230.94,"endTime":1233.61,"body":"of other big banks that has"},{"speaker":"altona widjaja - OCBC ID","startTime":1233.88,"endTime":1237.3,"body":"much, much larger it, team,"},{"speaker":"altona widjaja - OCBC ID","startTime":1233.88,"endTime":1237.3,"body":"basically, right? As an"},{"speaker":"altona widjaja - OCBC ID","startTime":1237.3,"endTime":1242.46,"body":"estimate, we have about 500 over"},{"speaker":"altona widjaja - OCBC ID","startTime":1237.3,"endTime":1242.46,"body":"IT people, basically, yeah, so"},{"speaker":"altona widjaja - OCBC ID","startTime":1242.46,"endTime":1246.99,"body":"that's not too big, basically,"},{"speaker":"altona widjaja - OCBC ID","startTime":1242.46,"endTime":1246.99,"body":"but I think there's a lot of"},{"speaker":"altona widjaja - OCBC ID","startTime":1246.99,"endTime":1251.49,"body":"innovation that you have done in"},{"speaker":"altona widjaja - OCBC ID","startTime":1246.99,"endTime":1251.49,"body":"terms of, like, providing a lot"},{"speaker":"altona widjaja - OCBC ID","startTime":1251.49,"endTime":1255.6,"body":"more value add than just pure"},{"speaker":"altona widjaja - OCBC ID","startTime":1251.49,"endTime":1255.6,"body":"banking. Basically, we call it"},{"speaker":"altona widjaja - OCBC ID","startTime":1255.6,"endTime":1259.26,"body":"beyond banking. Basically right"},{"speaker":"altona widjaja - OCBC ID","startTime":1255.6,"endTime":1259.26,"body":"to be able to provide the"},{"speaker":"altona widjaja - OCBC ID","startTime":1259.26,"endTime":1264.06,"body":"customer more value add, rather"},{"speaker":"altona widjaja - OCBC ID","startTime":1259.26,"endTime":1264.06,"body":"than providing them with just a"},{"speaker":"altona widjaja - OCBC ID","startTime":1264.06,"endTime":1266.67,"body":"better interest rate, for"},{"speaker":"altona widjaja - OCBC ID","startTime":1264.06,"endTime":1266.67,"body":"example. Yeah, so we're not"},{"speaker":"altona widjaja - OCBC ID","startTime":1266.67,"endTime":1270.6,"body":"trying to compete just on"},{"speaker":"altona widjaja - OCBC ID","startTime":1266.67,"endTime":1270.6,"body":"pricing, but we want, we want"},{"speaker":"altona widjaja - OCBC ID","startTime":1270.6,"endTime":1273.81,"body":"that, that holistic solution, to"},{"speaker":"altona widjaja - OCBC ID","startTime":1270.6,"endTime":1273.81,"body":"be able to help our customer"},{"speaker":"altona widjaja - OCBC ID","startTime":1274.05,"endTime":1276.57,"body":"grow with us, basically, yeah,"},{"speaker":"Irza Suprapto","startTime":1276.36,"endTime":1278.61,"body":"That's quite"},{"speaker":"Irza Suprapto","startTime":1276.36,"endTime":1278.61,"body":"interesting, because in the"},{"speaker":"Irza Suprapto","startTime":1278.61,"endTime":1281.13,"body":"consumer space, actually, it's,"},{"speaker":"Irza Suprapto","startTime":1278.61,"endTime":1281.13,"body":"all about like customer"},{"speaker":"Irza Suprapto","startTime":1281.13,"endTime":1283.98,"body":"acquisition costs, right? How"},{"speaker":"Irza Suprapto","startTime":1281.13,"endTime":1283.98,"body":"much does it cost? Higher"},{"speaker":"Irza Suprapto","startTime":1283.98,"endTime":1287.34,"body":"interest rates, or you mentioned"},{"speaker":"Irza Suprapto","startTime":1283.98,"endTime":1287.34,"body":"rebates to provide value? I"},{"speaker":"Irza Suprapto","startTime":1287.34,"endTime":1290.13,"body":"think that that that value"},{"speaker":"Irza Suprapto","startTime":1287.34,"endTime":1290.13,"body":"proposition, or the way you"},{"speaker":"Irza Suprapto","startTime":1290.13,"endTime":1292.8,"body":"market the additional value,"},{"speaker":"Irza Suprapto","startTime":1290.13,"endTime":1292.8,"body":"might be a little bit difficult"},{"speaker":"Irza Suprapto","startTime":1292.8,"endTime":1296.82,"body":"from traditional marketing means"},{"speaker":"Irza Suprapto","startTime":1292.8,"endTime":1296.82,"body":"which? Which brings me to my"},{"speaker":"Irza Suprapto","startTime":1296.82,"endTime":1299.91,"body":"next point, right? When, when"},{"speaker":"Irza Suprapto","startTime":1296.82,"endTime":1299.91,"body":"you think about working with at"},{"speaker":"Irza Suprapto","startTime":1300.66,"endTime":1303.84,"body":"external vendors for for the"},{"speaker":"Irza Suprapto","startTime":1300.66,"endTime":1303.84,"body":"technologies of services that"},{"speaker":"Irza Suprapto","startTime":1303.84,"endTime":1307.89,"body":"you purchase or that you work"},{"speaker":"Irza Suprapto","startTime":1303.84,"endTime":1307.89,"body":"with. You also ran the what was"},{"speaker":"Irza Suprapto","startTime":1307.89,"endTime":1310.5,"body":"that the Open vault in"},{"speaker":"Irza Suprapto","startTime":1307.89,"endTime":1310.5,"body":"Singapore, where you work with a"},{"speaker":"Irza Suprapto","startTime":1310.5,"endTime":1312.93,"body":"lot of startups, and I"},{"speaker":"Irza Suprapto","startTime":1310.5,"endTime":1312.93,"body":"understand in Indonesia as well,"},{"speaker":"Irza Suprapto","startTime":1312.93,"endTime":1316.8,"body":"there's what's it called OCBC"},{"speaker":"Irza Suprapto","startTime":1312.93,"endTime":1316.8,"body":"venture, which is the venture"},{"speaker":"Irza Suprapto","startTime":1316.8,"endTime":1320.61,"body":"investment arm of OCBC, when you"},{"speaker":"Irza Suprapto","startTime":1316.8,"endTime":1320.61,"body":"look at that right, when you"},{"speaker":"Irza Suprapto","startTime":1320.61,"endTime":1324.33,"body":"work with technology vendors all"},{"speaker":"Irza Suprapto","startTime":1320.61,"endTime":1324.33,"body":"the way from startups to large"},{"speaker":"Irza Suprapto","startTime":1324.36,"endTime":1328.74,"body":"technology vendors, what do you"},{"speaker":"Irza Suprapto","startTime":1324.36,"endTime":1328.74,"body":"think the differences are? And I"},{"speaker":"Irza Suprapto","startTime":1328.74,"endTime":1331.29,"body":"know most, most small companies"},{"speaker":"Irza Suprapto","startTime":1328.74,"endTime":1331.29,"body":"will be very, very happy to be"},{"speaker":"Irza Suprapto","startTime":1331.29,"endTime":1334.56,"body":"able to work with OCBC on most"},{"speaker":"Irza Suprapto","startTime":1331.29,"endTime":1334.56,"body":"of their products. But do you"},{"speaker":"Irza Suprapto","startTime":1334.56,"endTime":1337.83,"body":"see a difference in the"},{"speaker":"Irza Suprapto","startTime":1334.56,"endTime":1337.83,"body":"importance to, you know,"},{"speaker":"Irza Suprapto","startTime":1337.86,"endTime":1340.68,"body":"building out your technology"},{"speaker":"Irza Suprapto","startTime":1337.86,"endTime":1340.68,"body":"capabilities so that you are"},{"speaker":"Irza Suprapto","startTime":1340.68,"endTime":1343.92,"body":"capable of offering this, you"},{"speaker":"Irza Suprapto","startTime":1340.68,"endTime":1343.92,"body":"know, additional value to your"},{"speaker":"Irza Suprapto","startTime":1343.92,"endTime":1344.58,"body":"customers?"},{"speaker":"altona widjaja - OCBC ID","startTime":1345.83,"endTime":1351.89,"body":"Yeah,"},{"speaker":"altona widjaja - OCBC ID","startTime":1345.83,"endTime":1351.89,"body":"I think is this maybe some"},{"speaker":"altona widjaja - OCBC ID","startTime":1351.89,"endTime":1356.27,"body":"differentiation between startup"},{"speaker":"altona widjaja - OCBC ID","startTime":1351.89,"endTime":1356.27,"body":"and the big provider, probably"},{"speaker":"altona widjaja - OCBC ID","startTime":1356.27,"endTime":1359.57,"body":"right, or established provider,"},{"speaker":"altona widjaja - OCBC ID","startTime":1356.27,"endTime":1359.57,"body":"right? If you say, take the"},{"speaker":"altona widjaja - OCBC ID","startTime":1359.57,"endTime":1363.65,"body":"example of a CRM system, for"},{"speaker":"altona widjaja - OCBC ID","startTime":1359.57,"endTime":1363.65,"body":"example, right? So that's that"},{"speaker":"altona widjaja - OCBC ID","startTime":1363.65,"endTime":1368.63,"body":"might not be a startup, but it's"},{"speaker":"altona widjaja - OCBC ID","startTime":1363.65,"endTime":1368.63,"body":"also a system that has well"},{"speaker":"altona widjaja - OCBC ID","startTime":1368.66,"endTime":1376.31,"body":"established process that's being"},{"speaker":"altona widjaja - OCBC ID","startTime":1368.66,"endTime":1376.31,"body":"used by multiple company. It's"},{"speaker":"altona widjaja - OCBC ID","startTime":1376.31,"endTime":1379.25,"body":"not just banks, like basically,"},{"speaker":"altona widjaja - OCBC ID","startTime":1376.31,"endTime":1379.25,"body":"right, which obviously we get"},{"speaker":"altona widjaja - OCBC ID","startTime":1379.25,"endTime":1383.09,"body":"the benefit of the right"},{"speaker":"altona widjaja - OCBC ID","startTime":1379.25,"endTime":1383.09,"body":"structure, the right the right"},{"speaker":"altona widjaja - OCBC ID","startTime":1383.12,"endTime":1387.8,"body":"information format, and so on"},{"speaker":"altona widjaja - OCBC ID","startTime":1383.12,"endTime":1387.8,"body":"and so on, right? So basically,"},{"speaker":"altona widjaja - OCBC ID","startTime":1388.22,"endTime":1390.83,"body":"if you talk about that, then,"},{"speaker":"altona widjaja - OCBC ID","startTime":1388.22,"endTime":1390.83,"body":"yeah, the value add is a lot"},{"speaker":"altona widjaja - OCBC ID","startTime":1390.83,"endTime":1393.35,"body":"more, not just buying the"},{"speaker":"altona widjaja - OCBC ID","startTime":1390.83,"endTime":1393.35,"body":"system, but also some of the"},{"speaker":"altona widjaja - OCBC ID","startTime":1393.35,"endTime":1397.25,"body":"best practice that that exists"},{"speaker":"altona widjaja - OCBC ID","startTime":1393.35,"endTime":1397.25,"body":"in the processes. Right? Though,"},{"speaker":"altona widjaja - OCBC ID","startTime":1397.25,"endTime":1401.42,"body":"sometime, obviously us as banks"},{"speaker":"altona widjaja - OCBC ID","startTime":1397.25,"endTime":1401.42,"body":"or maybe as individual, also, we"},{"speaker":"altona widjaja - OCBC ID","startTime":1401.42,"endTime":1405.32,"body":"always think that whatever we"},{"speaker":"altona widjaja - OCBC ID","startTime":1401.42,"endTime":1405.32,"body":"have is the right one, right?"},{"speaker":"altona widjaja - OCBC ID","startTime":1405.38,"endTime":1408.41,"body":"And then, and then, usually,"},{"speaker":"altona widjaja - OCBC ID","startTime":1405.38,"endTime":1408.41,"body":"banks like to customize the"},{"speaker":"altona widjaja - OCBC ID","startTime":1408.41,"endTime":1411.5,"body":"process to what they want,"},{"speaker":"altona widjaja - OCBC ID","startTime":1408.41,"endTime":1411.5,"body":"rather than actually adopting"},{"speaker":"altona widjaja - OCBC ID","startTime":1411.5,"endTime":1416.81,"body":"the best practice, right? That's"},{"speaker":"altona widjaja - OCBC ID","startTime":1411.5,"endTime":1416.81,"body":"another different issue for"},{"speaker":"altona widjaja - OCBC ID","startTime":1416.81,"endTime":1423.53,"body":"startups, though. I during the"},{"speaker":"altona widjaja - OCBC ID","startTime":1416.81,"endTime":1423.53,"body":"Open Vault days, right? There's"},{"speaker":"altona widjaja - OCBC ID","startTime":1423.53,"endTime":1429.08,"body":"this big belief that all the"},{"speaker":"altona widjaja - OCBC ID","startTime":1423.53,"endTime":1429.08,"body":"products are fantastic, yeah, so"},{"speaker":"altona widjaja - OCBC ID","startTime":1429.08,"endTime":1434.42,"body":"I give a bit of contrarian view"},{"speaker":"altona widjaja - OCBC ID","startTime":1429.08,"endTime":1434.42,"body":"here, but actually, as we go"},{"speaker":"altona widjaja - OCBC ID","startTime":1434.42,"endTime":1438.71,"body":"through the years, right, it's"},{"speaker":"altona widjaja - OCBC ID","startTime":1434.42,"endTime":1438.71,"body":"proven that some of the concepts"},{"speaker":"altona widjaja - OCBC ID","startTime":1438.71,"endTime":1443.06,"body":"are great, but also some of the"},{"speaker":"altona widjaja - OCBC ID","startTime":1438.71,"endTime":1443.06,"body":"concept, concept didn't make"},{"speaker":"altona widjaja - OCBC ID","startTime":1443.06,"endTime":1447.23,"body":"business sense, basically,"},{"speaker":"altona widjaja - OCBC ID","startTime":1443.06,"endTime":1447.23,"body":"right? So I think, but I think"},{"speaker":"altona widjaja - OCBC ID","startTime":1447.26,"endTime":1450.56,"body":"the positive angle, and the"},{"speaker":"altona widjaja - OCBC ID","startTime":1447.26,"endTime":1450.56,"body":"positive side of it, of the"},{"speaker":"altona widjaja - OCBC ID","startTime":1450.56,"endTime":1456.41,"body":"whole thing, is that the whole"},{"speaker":"altona widjaja - OCBC ID","startTime":1450.56,"endTime":1456.41,"body":"startup movement in Singapore or"},{"speaker":"altona widjaja - OCBC ID","startTime":1456.41,"endTime":1461.63,"body":"Indonesia actually help"},{"speaker":"altona widjaja - OCBC ID","startTime":1456.41,"endTime":1461.63,"body":"everybody to reimagine finance,"},{"speaker":"altona widjaja - OCBC ID","startTime":1462.11,"endTime":1465.86,"body":"yeah, whether or not some"},{"speaker":"altona widjaja - OCBC ID","startTime":1462.11,"endTime":1465.86,"body":"startup made it, or whether or"},{"speaker":"altona widjaja - OCBC ID","startTime":1465.86,"endTime":1471.08,"body":"not some startup didn't make it,"},{"speaker":"altona widjaja - OCBC ID","startTime":1465.86,"endTime":1471.08,"body":"that's that's like business by"},{"speaker":"altona widjaja - OCBC ID","startTime":1471.08,"endTime":1473.42,"body":"nature, right? Some business"},{"speaker":"altona widjaja - OCBC ID","startTime":1471.08,"endTime":1473.42,"body":"will survive. Some business will"},{"speaker":"altona widjaja - OCBC ID","startTime":1473.42,"endTime":1479.06,"body":"survive. But I think it helped a"},{"speaker":"altona widjaja - OCBC ID","startTime":1473.42,"endTime":1479.06,"body":"lot of the senior management and"},{"speaker":"altona widjaja - OCBC ID","startTime":1479.06,"endTime":1484.4,"body":"the IC to reimagine how banking"},{"speaker":"altona widjaja - OCBC ID","startTime":1479.06,"endTime":1484.4,"body":"and finance will look like for"},{"speaker":"altona widjaja - OCBC ID","startTime":1484.4,"endTime":1486.53,"body":"the customers. And I think the"},{"speaker":"altona widjaja - OCBC ID","startTime":1484.4,"endTime":1486.53,"body":"winner is the customers, right?"},{"speaker":"altona widjaja - OCBC ID","startTime":1486.53,"endTime":1489.56,"body":"Because then they get better"},{"speaker":"altona widjaja - OCBC ID","startTime":1486.53,"endTime":1489.56,"body":"service. They get, you know, a"},{"speaker":"altona widjaja - OCBC ID","startTime":1489.56,"endTime":1493.82,"body":"lot more efficient, a lot more"},{"speaker":"altona widjaja - OCBC ID","startTime":1489.56,"endTime":1493.82,"body":"value innovation that's being"},{"speaker":"altona widjaja - OCBC ID","startTime":1493.82,"endTime":1497.54,"body":"given by the by the bank to the"},{"speaker":"altona widjaja - OCBC ID","startTime":1493.82,"endTime":1497.54,"body":"customers. Basically, right? So"},{"speaker":"altona widjaja - OCBC ID","startTime":1497.54,"endTime":1503.48,"body":"I think startup today I will not"},{"speaker":"altona widjaja - OCBC ID","startTime":1497.54,"endTime":1503.48,"body":"generally use them as a kind of"},{"speaker":"altona widjaja - OCBC ID","startTime":1503.48,"endTime":1508.79,"body":"like the main vendor, right, but"},{"speaker":"altona widjaja - OCBC ID","startTime":1503.48,"endTime":1508.79,"body":"more to like as complimentary"},{"speaker":"altona widjaja - OCBC ID","startTime":1509.03,"endTime":1514.28,"body":"right, to say, for example,"},{"speaker":"altona widjaja - OCBC ID","startTime":1509.03,"endTime":1514.28,"body":"there's this startup that's kind"},{"speaker":"altona widjaja - OCBC ID","startTime":1514.28,"endTime":1518.9,"body":"of like providing an AI agent to"},{"speaker":"altona widjaja - OCBC ID","startTime":1514.28,"endTime":1518.9,"body":"be able to call the customers"},{"speaker":"altona widjaja - OCBC ID","startTime":1520.61,"endTime":1525.77,"body":"right to kind of like, either"},{"speaker":"altona widjaja - OCBC ID","startTime":1520.61,"endTime":1525.77,"body":"explain some product proposition"},{"speaker":"altona widjaja - OCBC ID","startTime":1526.04,"endTime":1530.0,"body":"or some simple things, basically"},{"speaker":"altona widjaja - OCBC ID","startTime":1526.04,"endTime":1530.0,"body":"right? That is the kind of"},{"speaker":"altona widjaja - OCBC ID","startTime":1530.3,"endTime":1533.57,"body":"players that probably will work."},{"speaker":"altona widjaja - OCBC ID","startTime":1530.3,"endTime":1533.57,"body":"But it's not direct integration."},{"speaker":"altona widjaja - OCBC ID","startTime":1533.66,"endTime":1538.22,"body":"It's more of using them as a as"},{"speaker":"altona widjaja - OCBC ID","startTime":1533.66,"endTime":1538.22,"body":"a sales channel or sales tool,"},{"speaker":"altona widjaja - OCBC ID","startTime":1538.37,"endTime":1542.42,"body":"basically right. But to have a"},{"speaker":"altona widjaja - OCBC ID","startTime":1538.37,"endTime":1542.42,"body":"startup to kind of like, go in"},{"speaker":"altona widjaja - OCBC ID","startTime":1542.42,"endTime":1546.53,"body":"and can help us with loan"},{"speaker":"altona widjaja - OCBC ID","startTime":1542.42,"endTime":1546.53,"body":"systems, for example, right? I"},{"speaker":"altona widjaja - OCBC ID","startTime":1546.53,"endTime":1549.83,"body":"think, to me, right now, that's"},{"speaker":"altona widjaja - OCBC ID","startTime":1546.53,"endTime":1549.83,"body":"not the stance that we like,"},{"speaker":"altona widjaja - OCBC ID","startTime":1549.83,"endTime":1552.59,"body":"like, basically, even though"},{"speaker":"altona widjaja - OCBC ID","startTime":1549.83,"endTime":1552.59,"body":"last time today is, obviously,"},{"speaker":"altona widjaja - OCBC ID","startTime":1552.59,"endTime":1556.67,"body":"I'm one of the biggest proponent"},{"speaker":"altona widjaja - OCBC ID","startTime":1552.59,"endTime":1556.67,"body":"for startup lah, right, yeah,"},{"speaker":"altona widjaja - OCBC ID","startTime":1557.03,"endTime":1558.26,"body":"but I think, I think the"},{"speaker":"Irza Suprapto","startTime":1559.65,"endTime":1562.56,"body":"Go ahead. Sorry,"},{"speaker":"Irza Suprapto","startTime":1559.65,"endTime":1562.56,"body":"I was saying, I think the"},{"speaker":"Irza Suprapto","startTime":1562.56,"endTime":1567.48,"body":"startup ecosystem, it's been"},{"speaker":"Irza Suprapto","startTime":1562.56,"endTime":1567.48,"body":"start stock, finally, for the"},{"speaker":"Irza Suprapto","startTime":1567.48,"endTime":1570.6,"body":"startup ecosystem here in"},{"speaker":"Irza Suprapto","startTime":1567.48,"endTime":1570.6,"body":"Southeast Asia, especially in"},{"speaker":"Irza Suprapto","startTime":1570.72,"endTime":1573.48,"body":"Indonesia and Singapore, I think"},{"speaker":"Irza Suprapto","startTime":1570.72,"endTime":1573.48,"body":"these two markets have been"},{"speaker":"Irza Suprapto","startTime":1573.48,"endTime":1576.99,"body":"very, very interesting, and we"},{"speaker":"Irza Suprapto","startTime":1573.48,"endTime":1576.99,"body":"see a lot of these open"},{"speaker":"Irza Suprapto","startTime":1576.99,"endTime":1580.14,"body":"innovation programs right by you"},{"speaker":"Irza Suprapto","startTime":1576.99,"endTime":1580.14,"body":"mentioned what you call the"},{"speaker":"Irza Suprapto","startTime":1580.14,"endTime":1582.63,"body":"large tankers, a lot of the"},{"speaker":"Irza Suprapto","startTime":1580.14,"endTime":1582.63,"body":"conglomerates, a lot of the"},{"speaker":"Irza Suprapto","startTime":1582.63,"endTime":1587.34,"body":"banks, are doing open innovation"},{"speaker":"Irza Suprapto","startTime":1582.63,"endTime":1587.34,"body":"programs. But as you correctly"},{"speaker":"Irza Suprapto","startTime":1587.34,"endTime":1591.9,"body":"pointed out, I think there's,"},{"speaker":"Irza Suprapto","startTime":1587.34,"endTime":1591.9,"body":"it's, it's reaching a point"},{"speaker":"Irza Suprapto","startTime":1591.9,"endTime":1595.14,"body":"where I think it maybe it's"},{"speaker":"Irza Suprapto","startTime":1591.9,"endTime":1595.14,"body":"maturity whereby we realize"},{"speaker":"Irza Suprapto","startTime":1595.14,"endTime":1599.94,"body":"that, you know, working directly"},{"speaker":"Irza Suprapto","startTime":1595.14,"endTime":1599.94,"body":"or running open innovation"},{"speaker":"Irza Suprapto","startTime":1599.94,"endTime":1603.69,"body":"programs might not be the best"},{"speaker":"Irza Suprapto","startTime":1599.94,"endTime":1603.69,"body":"way to run certain things. And I"},{"speaker":"Irza Suprapto","startTime":1603.69,"endTime":1606.51,"body":"actually see a lot of large"},{"speaker":"Irza Suprapto","startTime":1603.69,"endTime":1606.51,"body":"enterprises changing their view"},{"speaker":"Irza Suprapto","startTime":1606.54,"endTime":1609.0,"body":"about how they actually will"},{"speaker":"Irza Suprapto","startTime":1606.54,"endTime":1609.0,"body":"work with startups. And I think"},{"speaker":"Irza Suprapto","startTime":1609.0,"endTime":1614.4,"body":"that's exactly what you said as"},{"speaker":"Irza Suprapto","startTime":1609.0,"endTime":1614.4,"body":"well, right? Yeah. So again,"},{"speaker":"Irza Suprapto","startTime":1614.52,"endTime":1615.21,"body":"going back."},{"speaker":"altona widjaja - OCBC ID","startTime":1615.78,"endTime":1617.82,"body":"if I"},{"speaker":"altona widjaja - OCBC ID","startTime":1615.78,"endTime":1617.82,"body":"can just put one comment on the"},{"speaker":"altona widjaja - OCBC ID","startTime":1617.82,"endTime":1624.24,"body":"Open Innovation Program part,"},{"speaker":"altona widjaja - OCBC ID","startTime":1617.82,"endTime":1624.24,"body":"right? I think that for for an"},{"speaker":"altona widjaja - OCBC ID","startTime":1624.24,"endTime":1628.68,"body":"industry, or for a company that"},{"speaker":"altona widjaja - OCBC ID","startTime":1624.24,"endTime":1628.68,"body":"has been existing for, you know,"},{"speaker":"altona widjaja - OCBC ID","startTime":1628.71,"endTime":1633.15,"body":"multiple years, like 10s of"},{"speaker":"altona widjaja - OCBC ID","startTime":1628.71,"endTime":1633.15,"body":"years and all that, maybe an"},{"speaker":"altona widjaja - OCBC ID","startTime":1633.15,"endTime":1636.81,"body":"open innovation program, if the"},{"speaker":"altona widjaja - OCBC ID","startTime":1633.15,"endTime":1636.81,"body":"budget allows, is still good,"},{"speaker":"altona widjaja - OCBC ID","startTime":1636.9,"endTime":1640.65,"body":"right? More from the point of"},{"speaker":"altona widjaja - OCBC ID","startTime":1636.9,"endTime":1640.65,"body":"view, but it doesn't have to be"},{"speaker":"altona widjaja - OCBC ID","startTime":1640.65,"endTime":1643.92,"body":"a large scale, right? I think"},{"speaker":"altona widjaja - OCBC ID","startTime":1640.65,"endTime":1643.92,"body":"the point is, how can you get"},{"speaker":"altona widjaja - OCBC ID","startTime":1644.61,"endTime":1650.64,"body":"senior management level to be"},{"speaker":"altona widjaja - OCBC ID","startTime":1644.61,"endTime":1650.64,"body":"able to take a look right, and"},{"speaker":"altona widjaja - OCBC ID","startTime":1650.64,"endTime":1653.67,"body":"see the details and talk to the"},{"speaker":"altona widjaja - OCBC ID","startTime":1650.64,"endTime":1653.67,"body":"founders? Because that's the"},{"speaker":"altona widjaja - OCBC ID","startTime":1653.67,"endTime":1658.62,"body":"part that probably can open up"},{"speaker":"altona widjaja - OCBC ID","startTime":1653.67,"endTime":1658.62,"body":"the mind of the of the people,"},{"speaker":"altona widjaja - OCBC ID","startTime":1658.65,"endTime":1662.01,"body":"right? So maybe not an open"},{"speaker":"altona widjaja - OCBC ID","startTime":1658.65,"endTime":1662.01,"body":"innovation program, but more of"},{"speaker":"altona widjaja - OCBC ID","startTime":1662.01,"endTime":1667.47,"body":"like an exchange of values and"},{"speaker":"altona widjaja - OCBC ID","startTime":1662.01,"endTime":1667.47,"body":"information, so that actually,"},{"speaker":"altona widjaja - OCBC ID","startTime":1667.8,"endTime":1672.21,"body":"and especially if the the senior"},{"speaker":"altona widjaja - OCBC ID","startTime":1667.8,"endTime":1672.21,"body":"management are open minded, like"},{"speaker":"altona widjaja - OCBC ID","startTime":1672.21,"endTime":1674.82,"body":"NF growth mindset to kind of"},{"speaker":"altona widjaja - OCBC ID","startTime":1672.21,"endTime":1674.82,"body":"like, want to learn from other"},{"speaker":"altona widjaja - OCBC ID","startTime":1674.82,"endTime":1677.37,"body":"industry, rather than just"},{"speaker":"altona widjaja - OCBC ID","startTime":1674.82,"endTime":1677.37,"body":"looking at how they do things,"},{"speaker":"altona widjaja - OCBC ID","startTime":1677.49,"endTime":1679.59,"body":"day in, day out. Yeah, so that's"},{"speaker":"altona widjaja - OCBC ID","startTime":1677.49,"endTime":1679.59,"body":"my take one."},{"speaker":"Irza Suprapto","startTime":1679.62,"endTime":1681.72,"body":"perfect point,"},{"speaker":"Irza Suprapto","startTime":1679.62,"endTime":1681.72,"body":"which, which brings me to"},{"speaker":"Irza Suprapto","startTime":1681.75,"endTime":1684.69,"body":"exactly what I wanted to speak"},{"speaker":"Irza Suprapto","startTime":1681.75,"endTime":1684.69,"body":"about next, this idea of, like,"},{"speaker":"Irza Suprapto","startTime":1684.69,"endTime":1689.22,"body":"culture of innovation, and how"},{"speaker":"Irza Suprapto","startTime":1684.69,"endTime":1689.22,"body":"you know that's embedded within"},{"speaker":"Irza Suprapto","startTime":1689.25,"endTime":1693.78,"body":"a traditional or legacy"},{"speaker":"Irza Suprapto","startTime":1689.25,"endTime":1693.78,"body":"organization, right? So it was"},{"speaker":"Irza Suprapto","startTime":1693.78,"endTime":1696.99,"body":"interesting that you mentioned"},{"speaker":"Irza Suprapto","startTime":1693.78,"endTime":1696.99,"body":"in OCBC, Indonesia, you see"},{"speaker":"Irza Suprapto","startTime":1696.99,"endTime":1700.23,"body":"yourself as a built shop. That's"},{"speaker":"Irza Suprapto","startTime":1696.99,"endTime":1700.23,"body":"obviously very, very different"},{"speaker":"Irza Suprapto","startTime":1700.23,"endTime":1702.57,"body":"when, when you are building"},{"speaker":"Irza Suprapto","startTime":1700.23,"endTime":1702.57,"body":"things versus you're maintaining"},{"speaker":"Irza Suprapto","startTime":1702.57,"endTime":1706.44,"body":"things, I think the mindset is"},{"speaker":"Irza Suprapto","startTime":1702.57,"endTime":1706.44,"body":"completely different. So within"},{"speaker":"Irza Suprapto","startTime":1706.44,"endTime":1710.16,"body":"your team itself, how do you"},{"speaker":"Irza Suprapto","startTime":1706.44,"endTime":1710.16,"body":"actually build out this culture"},{"speaker":"Irza Suprapto","startTime":1710.16,"endTime":1713.61,"body":"of innovation, and how do you"},{"speaker":"Irza Suprapto","startTime":1710.16,"endTime":1713.61,"body":"measure, is there a metric that"},{"speaker":"Irza Suprapto","startTime":1713.61,"endTime":1715.35,"body":"you use to measure innovation"},{"speaker":"Irza Suprapto","startTime":1713.61,"endTime":1715.35,"body":"internally?"},{"speaker":"altona widjaja - OCBC ID","startTime":1716.76,"endTime":1719.76,"body":"Yeah,"},{"speaker":"altona widjaja - OCBC ID","startTime":1716.76,"endTime":1719.76,"body":"very good question. Actually, we"},{"speaker":"altona widjaja - OCBC ID","startTime":1719.79,"endTime":1723.15,"body":"will explore that many, many"},{"speaker":"altona widjaja - OCBC ID","startTime":1719.79,"endTime":1723.15,"body":"times, right? In the past, at"},{"speaker":"altona widjaja - OCBC ID","startTime":1723.15,"endTime":1728.73,"body":"least now we we don't really"},{"speaker":"altona widjaja - OCBC ID","startTime":1723.15,"endTime":1728.73,"body":"measure in terms of, how do I"},{"speaker":"altona widjaja - OCBC ID","startTime":1728.73,"endTime":1731.85,"body":"measure the level of culture of"},{"speaker":"altona widjaja - OCBC ID","startTime":1728.73,"endTime":1731.85,"body":"innovation? Right? What I"},{"speaker":"altona widjaja - OCBC ID","startTime":1731.85,"endTime":1735.69,"body":"measure is how much money can"},{"speaker":"altona widjaja - OCBC ID","startTime":1731.85,"endTime":1735.69,"body":"can this innovation generate?"},{"speaker":"altona widjaja - OCBC ID","startTime":1738.45,"endTime":1747.03,"body":"Right? But okay, he said, I"},{"speaker":"altona widjaja - OCBC ID","startTime":1738.45,"endTime":1747.03,"body":"think, and, and I think the best"},{"speaker":"altona widjaja - OCBC ID","startTime":1747.03,"endTime":1751.89,"body":"way to do it is, number one,"},{"speaker":"altona widjaja - OCBC ID","startTime":1747.03,"endTime":1751.89,"body":"give a lot of exposure, right?"},{"speaker":"altona widjaja - OCBC ID","startTime":1752.4,"endTime":1758.01,"body":"Because human beings should be"},{"speaker":"altona widjaja - OCBC ID","startTime":1752.4,"endTime":1758.01,"body":"naturally, generally, more"},{"speaker":"altona widjaja - OCBC ID","startTime":1758.85,"endTime":1761.67,"body":"happier when they learn new"},{"speaker":"altona widjaja - OCBC ID","startTime":1758.85,"endTime":1761.67,"body":"things, like basically, against"},{"speaker":"altona widjaja - OCBC ID","startTime":1761.67,"endTime":1765.06,"body":"the keen sense of learning, like"},{"speaker":"altona widjaja - OCBC ID","startTime":1761.67,"endTime":1765.06,"body":"basically, right? So what I try"},{"speaker":"altona widjaja - OCBC ID","startTime":1765.06,"endTime":1768.3,"body":"to do is I try to give more"},{"speaker":"altona widjaja - OCBC ID","startTime":1765.06,"endTime":1768.3,"body":"exposure to the team, whether is"},{"speaker":"altona widjaja - OCBC ID","startTime":1768.3,"endTime":1770.94,"body":"it through a WhatsApp group,"},{"speaker":"altona widjaja - OCBC ID","startTime":1768.3,"endTime":1770.94,"body":"whether is it through emails,"},{"speaker":"altona widjaja - OCBC ID","startTime":1770.94,"endTime":1774.54,"body":"and so I think consultants"},{"speaker":"altona widjaja - OCBC ID","startTime":1770.94,"endTime":1774.54,"body":"reports, right, like aibp is"},{"speaker":"altona widjaja - OCBC ID","startTime":1774.54,"endTime":1778.17,"body":"also important, right, so that"},{"speaker":"altona widjaja - OCBC ID","startTime":1774.54,"endTime":1778.17,"body":"people can understand what's"},{"speaker":"altona widjaja - OCBC ID","startTime":1778.17,"endTime":1782.61,"body":"happening in other markets,"},{"speaker":"altona widjaja - OCBC ID","startTime":1778.17,"endTime":1782.61,"body":"what's happening around, around"},{"speaker":"altona widjaja - OCBC ID","startTime":1782.61,"endTime":1787.59,"body":"the landscape beyond not just"},{"speaker":"altona widjaja - OCBC ID","startTime":1782.61,"endTime":1787.59,"body":"always banking, right? Can be"},{"speaker":"altona widjaja - OCBC ID","startTime":1787.59,"endTime":1791.22,"body":"other things. I think that's the"},{"speaker":"altona widjaja - OCBC ID","startTime":1787.59,"endTime":1791.22,"body":"key of innovation, is the"},{"speaker":"altona widjaja - OCBC ID","startTime":1791.22,"endTime":1793.98,"body":"exposure of information, right?"},{"speaker":"altona widjaja - OCBC ID","startTime":1791.22,"endTime":1793.98,"body":"And make it interesting so that"},{"speaker":"altona widjaja - OCBC ID","startTime":1793.98,"endTime":1798.66,"body":"they're willing to absorb that."},{"speaker":"altona widjaja - OCBC ID","startTime":1793.98,"endTime":1798.66,"body":"Number two is teach them the how"},{"speaker":"altona widjaja - OCBC ID","startTime":1798.66,"endTime":1804.9,"body":"to think in parallel. Out right?"},{"speaker":"altona widjaja - OCBC ID","startTime":1798.66,"endTime":1804.9,"body":"So that whatever they read, they"},{"speaker":"altona widjaja - OCBC ID","startTime":1804.9,"endTime":1808.89,"body":"they need to able to know how to"},{"speaker":"altona widjaja - OCBC ID","startTime":1804.9,"endTime":1808.89,"body":"apply it, right in the in their"},{"speaker":"altona widjaja - OCBC ID","startTime":1808.89,"endTime":1814.05,"body":"work, right? Like, like, if"},{"speaker":"altona widjaja - OCBC ID","startTime":1808.89,"endTime":1814.05,"body":"they, if they see certain news"},{"speaker":"altona widjaja - OCBC ID","startTime":1814.05,"endTime":1816.99,"body":"and all that, and then they can"},{"speaker":"altona widjaja - OCBC ID","startTime":1814.05,"endTime":1816.99,"body":"apply it. And they, they feel"},{"speaker":"altona widjaja - OCBC ID","startTime":1816.99,"endTime":1821.46,"body":"that it's not adding value to to"},{"speaker":"altona widjaja - OCBC ID","startTime":1816.99,"endTime":1821.46,"body":"what they do, then generally"},{"speaker":"altona widjaja - OCBC ID","startTime":1821.46,"endTime":1824.91,"body":"they, they will not be willing"},{"speaker":"altona widjaja - OCBC ID","startTime":1821.46,"endTime":1824.91,"body":"to learn more, right? But once"},{"speaker":"altona widjaja - OCBC ID","startTime":1824.91,"endTime":1830.85,"body":"they, once they realize that, oh"},{"speaker":"altona widjaja - OCBC ID","startTime":1824.91,"endTime":1830.85,"body":"yeah, actually, we can do this"},{"speaker":"altona widjaja - OCBC ID","startTime":1830.85,"endTime":1834.33,"body":"right, then, then they will be"},{"speaker":"altona widjaja - OCBC ID","startTime":1830.85,"endTime":1834.33,"body":"the person will be happier and"},{"speaker":"altona widjaja - OCBC ID","startTime":1834.33,"endTime":1838.23,"body":"will continue learning. I go one"},{"speaker":"altona widjaja - OCBC ID","startTime":1834.33,"endTime":1838.23,"body":"perfect example. I got one staff"},{"speaker":"altona widjaja - OCBC ID","startTime":1838.26,"endTime":1843.57,"body":"that was initially she came from"},{"speaker":"altona widjaja - OCBC ID","startTime":1838.26,"endTime":1843.57,"body":"an Operations Unit, yeah, and,"},{"speaker":"altona widjaja - OCBC ID","startTime":1844.47,"endTime":1849.27,"body":"and we, I created a program like"},{"speaker":"altona widjaja - OCBC ID","startTime":1844.47,"endTime":1849.27,"body":"a innovation competition,"},{"speaker":"altona widjaja - OCBC ID","startTime":1849.3,"endTime":1855.66,"body":"basically internally right then"},{"speaker":"altona widjaja - OCBC ID","startTime":1849.3,"endTime":1855.66,"body":"this person actually have a very"},{"speaker":"altona widjaja - OCBC ID","startTime":1855.66,"endTime":1860.67,"body":"good growth mindset in terms of,"},{"speaker":"altona widjaja - OCBC ID","startTime":1855.66,"endTime":1860.67,"body":"she always participate in every"},{"speaker":"altona widjaja - OCBC ID","startTime":1860.67,"endTime":1863.64,"body":"competition, and sometimes she"},{"speaker":"altona widjaja - OCBC ID","startTime":1860.67,"endTime":1863.64,"body":"win number one, sometimes she's"},{"speaker":"altona widjaja - OCBC ID","startTime":1863.64,"endTime":1866.22,"body":"just top 10 and all that. Right?"},{"speaker":"altona widjaja - OCBC ID","startTime":1863.64,"endTime":1866.22,"body":"So it's been, it was going on"},{"speaker":"altona widjaja - OCBC ID","startTime":1866.22,"endTime":1871.35,"body":"for two, three years, for"},{"speaker":"altona widjaja - OCBC ID","startTime":1866.22,"endTime":1871.35,"body":"example, right? Then ultimately,"},{"speaker":"altona widjaja - OCBC ID","startTime":1871.38,"endTime":1874.32,"body":"an opportunity came. There's an"},{"speaker":"altona widjaja - OCBC ID","startTime":1871.38,"endTime":1874.32,"body":"opening in my shop, so I"},{"speaker":"altona widjaja - OCBC ID","startTime":1874.32,"endTime":1879.33,"body":"actually hired her over to my"},{"speaker":"altona widjaja - OCBC ID","startTime":1874.32,"endTime":1879.33,"body":"side from the operations team."},{"speaker":"altona widjaja - OCBC ID","startTime":1879.9,"endTime":1883.59,"body":"And what she told me is that I"},{"speaker":"altona widjaja - OCBC ID","startTime":1879.9,"endTime":1883.59,"body":"think the difference between her"},{"speaker":"altona widjaja - OCBC ID","startTime":1883.59,"endTime":1886.86,"body":"last time doing a Bau right,"},{"speaker":"altona widjaja - OCBC ID","startTime":1883.59,"endTime":1886.86,"body":"like an in Operations Unit,"},{"speaker":"altona widjaja - OCBC ID","startTime":1887.22,"endTime":1889.92,"body":"obviously, you in in branch,"},{"speaker":"altona widjaja - OCBC ID","startTime":1887.22,"endTime":1889.92,"body":"especially, right? You are very"},{"speaker":"altona widjaja - OCBC ID","startTime":1889.92,"endTime":1893.31,"body":"busy every day. You don't have"},{"speaker":"altona widjaja - OCBC ID","startTime":1889.92,"endTime":1893.31,"body":"time to see new things and all"},{"speaker":"altona widjaja - OCBC ID","startTime":1893.31,"endTime":1896.97,"body":"that. I think when she came"},{"speaker":"altona widjaja - OCBC ID","startTime":1893.31,"endTime":1896.97,"body":"over, she see a lot of new"},{"speaker":"altona widjaja - OCBC ID","startTime":1896.97,"endTime":1900.99,"body":"things, and I think that that"},{"speaker":"altona widjaja - OCBC ID","startTime":1896.97,"endTime":1900.99,"body":"help her to be a more innovative"},{"speaker":"altona widjaja - OCBC ID","startTime":1900.99,"endTime":1904.11,"body":"person, right? Because then she"},{"speaker":"altona widjaja - OCBC ID","startTime":1900.99,"endTime":1904.11,"body":"can think of all the different"},{"speaker":"altona widjaja - OCBC ID","startTime":1904.11,"endTime":1910.2,"body":"angles of how you're supposed to"},{"speaker":"altona widjaja - OCBC ID","startTime":1904.11,"endTime":1910.2,"body":"do, maybe a job a right? So, so"},{"speaker":"altona widjaja - OCBC ID","startTime":1910.2,"endTime":1913.53,"body":"that that is really a perfect"},{"speaker":"altona widjaja - OCBC ID","startTime":1910.2,"endTime":1913.53,"body":"example, because it's not the"},{"speaker":"altona widjaja - OCBC ID","startTime":1913.53,"endTime":1916.47,"body":"person is not innovative, right?"},{"speaker":"altona widjaja - OCBC ID","startTime":1913.53,"endTime":1916.47,"body":"I think everybody can be"},{"speaker":"altona widjaja - OCBC ID","startTime":1916.47,"endTime":1920.37,"body":"innovative. All you need is just"},{"speaker":"altona widjaja - OCBC ID","startTime":1916.47,"endTime":1920.37,"body":"a bit of creativity and"},{"speaker":"altona widjaja - OCBC ID","startTime":1921.24,"endTime":1924.3,"body":"willingness to learn basically"},{"speaker":"altona widjaja - OCBC ID","startTime":1921.24,"endTime":1924.3,"body":"right and to read, especially to"},{"speaker":"altona widjaja - OCBC ID","startTime":1924.3,"endTime":1928.77,"body":"read. So by doing that, I know"},{"speaker":"altona widjaja - OCBC ID","startTime":1924.3,"endTime":1928.77,"body":"that the culture of innovation"},{"speaker":"altona widjaja - OCBC ID","startTime":1928.77,"endTime":1932.52,"body":"can only happen. Number one, if"},{"speaker":"altona widjaja - OCBC ID","startTime":1928.77,"endTime":1932.52,"body":"the person has the ownership to"},{"speaker":"altona widjaja - OCBC ID","startTime":1932.52,"endTime":1937.08,"body":"learn right. Number two, the"},{"speaker":"altona widjaja - OCBC ID","startTime":1932.52,"endTime":1937.08,"body":"person have the right sources of"},{"speaker":"altona widjaja - OCBC ID","startTime":1937.08,"endTime":1941.7,"body":"information so that then, number"},{"speaker":"altona widjaja - OCBC ID","startTime":1937.08,"endTime":1941.7,"body":"three, then she can, she can"},{"speaker":"altona widjaja - OCBC ID","startTime":1941.7,"endTime":1945.87,"body":"apply it basically in in the"},{"speaker":"altona widjaja - OCBC ID","startTime":1941.7,"endTime":1945.87,"body":"daily work, so that it will give"},{"speaker":"altona widjaja - OCBC ID","startTime":1945.87,"endTime":1949.14,"body":"more value to her as an employee"},{"speaker":"altona widjaja - OCBC ID","startTime":1945.87,"endTime":1949.14,"body":"as well. Yeah,"},{"speaker":"Irza Suprapto","startTime":1949.74,"endTime":1952.11,"body":"That's"},{"speaker":"Irza Suprapto","startTime":1949.74,"endTime":1952.11,"body":"interesting. So so in your team,"},{"speaker":"Irza Suprapto","startTime":1952.11,"endTime":1958.47,"body":"for example, and again, because"},{"speaker":"Irza Suprapto","startTime":1952.11,"endTime":1958.47,"body":"it is in Indonesia, like if"},{"speaker":"Irza Suprapto","startTime":1958.47,"endTime":1962.01,"body":"people are looking to which is"},{"speaker":"Irza Suprapto","startTime":1958.47,"endTime":1962.01,"body":"exactly what you did right in"},{"speaker":"Irza Suprapto","startTime":1962.01,"endTime":1964.2,"body":"OCBC when you wanted to resign,"},{"speaker":"Irza Suprapto","startTime":1962.01,"endTime":1964.2,"body":"and then you moved to a"},{"speaker":"Irza Suprapto","startTime":1964.2,"endTime":1968.37,"body":"different team, so that in"},{"speaker":"Irza Suprapto","startTime":1964.2,"endTime":1968.37,"body":"within OCBC that's quite fluid."},{"speaker":"Irza Suprapto","startTime":1968.37,"endTime":1970.38,"body":"People can request to move"},{"speaker":"Irza Suprapto","startTime":1968.37,"endTime":1970.38,"body":"within the different"},{"speaker":"Irza Suprapto","startTime":1970.38,"endTime":1973.32,"body":"departments, they can request to"},{"speaker":"Irza Suprapto","startTime":1970.38,"endTime":1973.32,"body":"like change, and it's, it's"},{"speaker":"Irza Suprapto","startTime":1973.32,"endTime":1974.04,"body":"quite open"},{"speaker":"altona widjaja - OCBC ID","startTime":1974.04,"endTime":1976.11,"body":"upon"},{"speaker":"altona widjaja - OCBC ID","startTime":1974.04,"endTime":1976.11,"body":"the agreement of both sides lah."},{"speaker":"altona widjaja - OCBC ID","startTime":1976.47,"endTime":1976.74,"body":"Yeah."},{"speaker":"Irza Suprapto","startTime":1976.89,"endTime":1979.71,"body":"Okay, that's a"},{"speaker":"Irza Suprapto","startTime":1976.89,"endTime":1979.71,"body":"great thing to have, because I"},{"speaker":"Irza Suprapto","startTime":1979.71,"endTime":1984.54,"body":"think traditionally in banks,"},{"speaker":"Irza Suprapto","startTime":1979.71,"endTime":1984.54,"body":"it's quite hard, right?"},{"speaker":"Irza Suprapto","startTime":1984.57,"endTime":1987.27,"body":"Previously, at least when I used"},{"speaker":"Irza Suprapto","startTime":1984.57,"endTime":1987.27,"body":"to work in a bank, it was"},{"speaker":"Irza Suprapto","startTime":1987.27,"endTime":1989.97,"body":"difficult to move between"},{"speaker":"Irza Suprapto","startTime":1987.27,"endTime":1989.97,"body":"divisions. But I understand they"},{"speaker":"Irza Suprapto","startTime":1989.97,"endTime":1992.34,"body":"have different management"},{"speaker":"Irza Suprapto","startTime":1989.97,"endTime":1992.34,"body":"associate programs now as well,"},{"speaker":"Irza Suprapto","startTime":1992.34,"endTime":1992.94,"body":"which I think"},{"speaker":"altona widjaja - OCBC ID","startTime":1993.38,"endTime":1996.74,"body":"precisely,"},{"speaker":"altona widjaja - OCBC ID","startTime":1993.38,"endTime":1996.74,"body":"yeah. And I think, sorry, just"},{"speaker":"altona widjaja - OCBC ID","startTime":1996.74,"endTime":2001.14,"body":"to add on. And I think I"},{"speaker":"altona widjaja - OCBC ID","startTime":1996.74,"endTime":2001.14,"body":"benefited a lot from from that,"},{"speaker":"altona widjaja - OCBC ID","startTime":2001.2,"endTime":2005.16,"body":"that change of roles, right?"},{"speaker":"altona widjaja - OCBC ID","startTime":2001.2,"endTime":2005.16,"body":"That that also helped me to be"},{"speaker":"altona widjaja - OCBC ID","startTime":2005.16,"endTime":2008.94,"body":"able to think differently,"},{"speaker":"altona widjaja - OCBC ID","startTime":2005.16,"endTime":2008.94,"body":"right? Rather than if I stay in"},{"speaker":"altona widjaja - OCBC ID","startTime":2008.94,"endTime":2013.92,"body":"the same role over multiple"},{"speaker":"altona widjaja - OCBC ID","startTime":2008.94,"endTime":2013.92,"body":"years, obviously, yeah, exactly."},{"speaker":"Irza Suprapto","startTime":2013.92,"endTime":2016.02,"body":"And I think that"},{"speaker":"Irza Suprapto","startTime":2013.92,"endTime":2016.02,"body":"change of roles, and for you as"},{"speaker":"Irza Suprapto","startTime":2016.02,"endTime":2018.24,"body":"well, change of country, right?"},{"speaker":"Irza Suprapto","startTime":2016.02,"endTime":2018.24,"body":"There's a different Yeah,"},{"speaker":"Irza Suprapto","startTime":2018.24,"endTime":2023.66,"body":"precisely, has made you stay in"},{"speaker":"Irza Suprapto","startTime":2018.24,"endTime":2023.66,"body":"OCBC for a very long time. Which"},{"speaker":"Irza Suprapto","startTime":2024.44,"endTime":2027.56,"body":"younger people nowadays, they"},{"speaker":"Irza Suprapto","startTime":2024.44,"endTime":2027.56,"body":"stay in one company for one"},{"speaker":"Irza Suprapto","startTime":2027.56,"endTime":2029.6,"body":"year, and they think that's a"},{"speaker":"Irza Suprapto","startTime":2027.56,"endTime":2029.6,"body":"long time already, right?"},{"speaker":"altona widjaja - OCBC ID","startTime":2032.48,"endTime":2035.06,"body":"I"},{"speaker":"altona widjaja - OCBC ID","startTime":2032.48,"endTime":2035.06,"body":"mean, if the job has is"},{"speaker":"altona widjaja - OCBC ID","startTime":2035.06,"endTime":2038.9,"body":"continued to be challenging and"},{"speaker":"altona widjaja - OCBC ID","startTime":2035.06,"endTime":2038.9,"body":"engage you, then I don't see any"},{"speaker":"altona widjaja - OCBC ID","startTime":2038.9,"endTime":2042.46,"body":"reason why you need to change"},{"speaker":"altona widjaja - OCBC ID","startTime":2038.9,"endTime":2042.46,"body":"the job."},{"speaker":"Irza Suprapto","startTime":2042.0,"endTime":2045.09,"body":"Yeah, I'm with"},{"speaker":"Irza Suprapto","startTime":2042.0,"endTime":2045.09,"body":"you on that. I'm completely with"},{"speaker":"Irza Suprapto","startTime":2045.09,"endTime":2048.54,"body":"you on that. Okay, but with"},{"speaker":"Irza Suprapto","startTime":2045.09,"endTime":2048.54,"body":"Next, we'll go to the next part,"},{"speaker":"Irza Suprapto","startTime":2048.54,"endTime":2051.78,"body":"which is, you know, largely"},{"speaker":"Irza Suprapto","startTime":2048.54,"endTime":2051.78,"body":"around, you know, I think you've"},{"speaker":"Irza Suprapto","startTime":2051.78,"endTime":2055.29,"body":"had the benefit of spending a"},{"speaker":"Irza Suprapto","startTime":2051.78,"endTime":2055.29,"body":"long time in Singapore, which"},{"speaker":"Irza Suprapto","startTime":2055.29,"endTime":2058.68,"body":"is, you know, a global financial"},{"speaker":"Irza Suprapto","startTime":2055.29,"endTime":2058.68,"body":"hub, and you've spent the last"},{"speaker":"Irza Suprapto","startTime":2058.68,"endTime":2062.82,"body":"six years in Indonesia, which is"},{"speaker":"Irza Suprapto","startTime":2058.68,"endTime":2062.82,"body":"one of the fastest growing"},{"speaker":"Irza Suprapto","startTime":2062.82,"endTime":2067.47,"body":"economies, one of the largest"},{"speaker":"Irza Suprapto","startTime":2062.82,"endTime":2067.47,"body":"economies globally as well. So I"},{"speaker":"Irza Suprapto","startTime":2067.47,"endTime":2069.66,"body":"think you have very unique"},{"speaker":"Irza Suprapto","startTime":2067.47,"endTime":2069.66,"body":"perspective of what makes"},{"speaker":"Irza Suprapto","startTime":2069.66,"endTime":2073.05,"body":"Southeast Asia, just covering"},{"speaker":"Irza Suprapto","startTime":2069.66,"endTime":2073.05,"body":"like these two markets, I think"},{"speaker":"Irza Suprapto","startTime":2073.05,"endTime":2077.4,"body":"Indonesia makes up something"},{"speaker":"Irza Suprapto","startTime":2073.05,"endTime":2077.4,"body":"close to 40% of total population"},{"speaker":"Irza Suprapto","startTime":2078.48,"endTime":2083.13,"body":"in Southeast Asia and roughly"},{"speaker":"Irza Suprapto","startTime":2078.48,"endTime":2083.13,"body":"equally 40% of total GDP as well"},{"speaker":"Irza Suprapto","startTime":2083.55,"endTime":2086.49,"body":"when you look forward, you know,"},{"speaker":"Irza Suprapto","startTime":2083.55,"endTime":2086.49,"body":"using both your perspective"},{"speaker":"Irza Suprapto","startTime":2086.55,"endTime":2089.85,"body":"living in Singapore as well as"},{"speaker":"Irza Suprapto","startTime":2086.55,"endTime":2089.85,"body":"in Indonesia. What what are you"},{"speaker":"Irza Suprapto","startTime":2089.85,"endTime":2093.69,"body":"most excited about when it comes"},{"speaker":"Irza Suprapto","startTime":2089.85,"endTime":2093.69,"body":"to forward looking or like the"},{"speaker":"Irza Suprapto","startTime":2093.69,"endTime":2096.54,"body":"future of this part of the"},{"speaker":"Irza Suprapto","startTime":2093.69,"endTime":2096.54,"body":"world, this region, both"},{"speaker":"Irza Suprapto","startTime":2096.69,"endTime":2099.12,"body":"Singapore and Indonesia? What"},{"speaker":"Irza Suprapto","startTime":2096.69,"endTime":2099.12,"body":"are you most excited about?"},{"speaker":"Irza Suprapto","startTime":2099.12,"endTime":2100.83,"body":"Which segments are you was"},{"speaker":"Irza Suprapto","startTime":2099.12,"endTime":2100.83,"body":"excited about?"},{"speaker":"altona widjaja - OCBC ID","startTime":2102.43,"endTime":2104.68,"body":"I"},{"speaker":"altona widjaja - OCBC ID","startTime":2102.43,"endTime":2104.68,"body":"think, to me, is the small"},{"speaker":"altona widjaja - OCBC ID","startTime":2104.68,"endTime":2111.73,"body":"business, right? I think that"},{"speaker":"altona widjaja - OCBC ID","startTime":2104.68,"endTime":2111.73,"body":"is, will be, will be one of the"},{"speaker":"altona widjaja - OCBC ID","startTime":2111.73,"endTime":2115.15,"body":"next big thing for this part of"},{"speaker":"altona widjaja - OCBC ID","startTime":2111.73,"endTime":2115.15,"body":"the world, right? I think the"},{"speaker":"altona widjaja - OCBC ID","startTime":2115.21,"endTime":2120.13,"body":"digitization for personal"},{"speaker":"altona widjaja - OCBC ID","startTime":2115.21,"endTime":2120.13,"body":"finance, it was very fast,"},{"speaker":"altona widjaja - OCBC ID","startTime":2120.13,"endTime":2123.58,"body":"right, with the introduction of"},{"speaker":"altona widjaja - OCBC ID","startTime":2120.13,"endTime":2123.58,"body":"mobile banking and so many"},{"speaker":"altona widjaja - OCBC ID","startTime":2123.58,"endTime":2127.3,"body":"things that we can do today and"},{"speaker":"altona widjaja - OCBC ID","startTime":2123.58,"endTime":2127.3,"body":"change the behavior of of us as"},{"speaker":"altona widjaja - OCBC ID","startTime":2127.3,"endTime":2132.73,"body":"a consumer, as a personal"},{"speaker":"altona widjaja - OCBC ID","startTime":2127.3,"endTime":2132.73,"body":"finance people to to kind of"},{"speaker":"altona widjaja - OCBC ID","startTime":2132.73,"endTime":2135.37,"body":"like, can do so many things on"},{"speaker":"altona widjaja - OCBC ID","startTime":2132.73,"endTime":2135.37,"body":"mobile banking, basically,"},{"speaker":"altona widjaja - OCBC ID","startTime":2135.37,"endTime":2140.14,"body":"right? That has not happened too"},{"speaker":"altona widjaja - OCBC ID","startTime":2135.37,"endTime":2140.14,"body":"much for for the business side,"},{"speaker":"altona widjaja - OCBC ID","startTime":2140.29,"endTime":2145.06,"body":"yeah. But more and more so we"},{"speaker":"altona widjaja - OCBC ID","startTime":2140.29,"endTime":2145.06,"body":"see right in terms of POS and"},{"speaker":"altona widjaja - OCBC ID","startTime":2145.21,"endTime":2148.96,"body":"maybe Singapore is kind of like"},{"speaker":"altona widjaja - OCBC ID","startTime":2145.21,"endTime":2148.96,"body":"a little bit ahead. But again,"},{"speaker":"altona widjaja - OCBC ID","startTime":2149.02,"endTime":2151.9,"body":"Singapore market structure is"},{"speaker":"altona widjaja - OCBC ID","startTime":2149.02,"endTime":2151.9,"body":"very different than than, like"},{"speaker":"altona widjaja - OCBC ID","startTime":2151.9,"endTime":2155.38,"body":"the Thailand, the Vietnam, the"},{"speaker":"altona widjaja - OCBC ID","startTime":2151.9,"endTime":2155.38,"body":"Philippines and Indonesia."},{"speaker":"altona widjaja - OCBC ID","startTime":2155.41,"endTime":2163.51,"body":"Right. In Indonesia, I think the"},{"speaker":"altona widjaja - OCBC ID","startTime":2155.41,"endTime":2163.51,"body":"the acceptance of pure digital"},{"speaker":"altona widjaja - OCBC ID","startTime":2164.47,"endTime":2168.67,"body":"for businesses, it's not"},{"speaker":"altona widjaja - OCBC ID","startTime":2164.47,"endTime":2168.67,"body":"happening yet, basically, right?"},{"speaker":"altona widjaja - OCBC ID","startTime":2168.7,"endTime":2171.25,"body":"And I think that's going to be"},{"speaker":"altona widjaja - OCBC ID","startTime":2168.7,"endTime":2171.25,"body":"exciting future, because"},{"speaker":"altona widjaja - OCBC ID","startTime":2171.76,"endTime":2175.9,"body":"possibly the value that can be"},{"speaker":"altona widjaja - OCBC ID","startTime":2171.76,"endTime":2175.9,"body":"created will be a lot more,"},{"speaker":"altona widjaja - OCBC ID","startTime":2176.14,"endTime":2179.26,"body":"right. I mean, already we see"},{"speaker":"altona widjaja - OCBC ID","startTime":2176.14,"endTime":2179.26,"body":"E-commerce, obviously, right,"},{"speaker":"altona widjaja - OCBC ID","startTime":2179.26,"endTime":2183.01,"body":"like marketplaces, that has"},{"speaker":"altona widjaja - OCBC ID","startTime":2179.26,"endTime":2183.01,"body":"helped a lot of merchants to be"},{"speaker":"altona widjaja - OCBC ID","startTime":2183.01,"endTime":2186.43,"body":"able to generate more money,"},{"speaker":"altona widjaja - OCBC ID","startTime":2183.01,"endTime":2186.43,"body":"right, more value, also for the"},{"speaker":"altona widjaja - OCBC ID","startTime":2186.46,"endTime":2190.54,"body":"for the country, but in terms of"},{"speaker":"altona widjaja - OCBC ID","startTime":2186.46,"endTime":2190.54,"body":"the banking part of it, yeah,"},{"speaker":"altona widjaja - OCBC ID","startTime":2191.74,"endTime":2196.45,"body":"that needs a little bit more"},{"speaker":"altona widjaja - OCBC ID","startTime":2191.74,"endTime":2196.45,"body":"work. In terms of, like, having"},{"speaker":"altona widjaja - OCBC ID","startTime":2196.45,"endTime":2199.9,"body":"a lot more giving, giving a lot"},{"speaker":"altona widjaja - OCBC ID","startTime":2196.45,"endTime":2199.9,"body":"more intelligence, like so"},{"speaker":"altona widjaja - OCBC ID","startTime":2199.9,"endTime":2204.04,"body":"called virtual CFO, basically,"},{"speaker":"altona widjaja - OCBC ID","startTime":2199.9,"endTime":2204.04,"body":"right to the businesses to be"},{"speaker":"altona widjaja - OCBC ID","startTime":2204.04,"endTime":2206.59,"body":"able to better manage their"},{"speaker":"altona widjaja - OCBC ID","startTime":2204.04,"endTime":2206.59,"body":"businesses. And I think"},{"speaker":"altona widjaja - OCBC ID","startTime":2207.37,"endTime":2210.25,"body":"especially for Indonesia, I'm"},{"speaker":"altona widjaja - OCBC ID","startTime":2207.37,"endTime":2210.25,"body":"not sure about the other region,"},{"speaker":"altona widjaja - OCBC ID","startTime":2211.81,"endTime":2216.4,"body":"the literacy of handling"},{"speaker":"altona widjaja - OCBC ID","startTime":2211.81,"endTime":2216.4,"body":"business finance is also still,"},{"speaker":"altona widjaja - OCBC ID","startTime":2216.43,"endTime":2220.42,"body":"still very, very low, right at"},{"speaker":"altona widjaja - OCBC ID","startTime":2216.43,"endTime":2220.42,"body":"the moment, Indonesia, right?"},{"speaker":"altona widjaja - OCBC ID","startTime":2220.45,"endTime":2224.65,"body":"We, as a bank, we conduct"},{"speaker":"altona widjaja - OCBC ID","startTime":2220.45,"endTime":2224.65,"body":"financial fitness studies,"},{"speaker":"altona widjaja - OCBC ID","startTime":2224.68,"endTime":2229.42,"body":"right? And I think the last, I"},{"speaker":"altona widjaja - OCBC ID","startTime":2224.68,"endTime":2229.42,"body":"think last year was the first"},{"speaker":"altona widjaja - OCBC ID","startTime":2229.42,"endTime":2231.85,"body":"year we did it, also for the"},{"speaker":"altona widjaja - OCBC ID","startTime":2229.42,"endTime":2231.85,"body":"business side, right? So I think"},{"speaker":"altona widjaja - OCBC ID","startTime":2231.88,"endTime":2235.06,"body":"it was about 30% if I'm not"},{"speaker":"altona widjaja - OCBC ID","startTime":2231.88,"endTime":2235.06,"body":"wrong, right in terms of the"},{"speaker":"altona widjaja - OCBC ID","startTime":2235.06,"endTime":2239.17,"body":"score, yeah. So we see the"},{"speaker":"altona widjaja - OCBC ID","startTime":2235.06,"endTime":2239.17,"body":"comparative this year, right?"},{"speaker":"altona widjaja - OCBC ID","startTime":2239.17,"endTime":2242.14,"body":"When we run the study again,"},{"speaker":"altona widjaja - OCBC ID","startTime":2239.17,"endTime":2242.14,"body":"whether or not did it increase"},{"speaker":"altona widjaja - OCBC ID","startTime":2242.14,"endTime":2245.98,"body":"or not, right? But I think as a"},{"speaker":"altona widjaja - OCBC ID","startTime":2242.14,"endTime":2245.98,"body":"bank, we have mandate, and we"},{"speaker":"altona widjaja - OCBC ID","startTime":2245.98,"endTime":2252.49,"body":"have push and vision to be able"},{"speaker":"altona widjaja - OCBC ID","startTime":2245.98,"endTime":2252.49,"body":"to educate as much as customer"},{"speaker":"altona widjaja - OCBC ID","startTime":2252.49,"endTime":2257.17,"body":"as possible, right? For the"},{"speaker":"altona widjaja - OCBC ID","startTime":2252.49,"endTime":2257.17,"body":"business side to be able to we"},{"speaker":"altona widjaja - OCBC ID","startTime":2257.17,"endTime":2260.11,"body":"do also for consumer, obviously,"},{"speaker":"altona widjaja - OCBC ID","startTime":2257.17,"endTime":2260.11,"body":"but because, I think the I'm"},{"speaker":"altona widjaja - OCBC ID","startTime":2260.11,"endTime":2261.97,"body":"talking about the business side,"},{"speaker":"altona widjaja - OCBC ID","startTime":2260.11,"endTime":2261.97,"body":"because that's the segment I'm"},{"speaker":"altona widjaja - OCBC ID","startTime":2261.97,"endTime":2264.04,"body":"most excited about, the excited"},{"speaker":"altona widjaja - OCBC ID","startTime":2261.97,"endTime":2264.04,"body":"about to see the growth and more"},{"speaker":"altona widjaja - OCBC ID","startTime":2264.04,"endTime":2265.57,"body":"values being created over there,"},{"speaker":"altona widjaja - OCBC ID","startTime":2264.04,"endTime":2265.57,"body":"yeah."},{"speaker":"Irza Suprapto","startTime":2266.2,"endTime":2267.79,"body":"Okay, that's"},{"speaker":"Irza Suprapto","startTime":2266.2,"endTime":2267.79,"body":"quite interesting. So, so what"},{"speaker":"Irza Suprapto","startTime":2267.79,"endTime":2272.32,"body":"you are saying effectively is"},{"speaker":"Irza Suprapto","startTime":2267.79,"endTime":2272.32,"body":"that OCBC in Indonesia can"},{"speaker":"Irza Suprapto","startTime":2272.5,"endTime":2275.17,"body":"cover, let's say, a small"},{"speaker":"Irza Suprapto","startTime":2272.5,"endTime":2275.17,"body":"business much better, because,"},{"speaker":"Irza Suprapto","startTime":2275.2,"endTime":2277.06,"body":"let's say a small business in"},{"speaker":"Irza Suprapto","startTime":2275.2,"endTime":2277.06,"body":"Singapore, they would have"},{"speaker":"Irza Suprapto","startTime":2277.06,"endTime":2282.34,"body":"different payroll HR accounting"},{"speaker":"Irza Suprapto","startTime":2277.06,"endTime":2282.34,"body":"software already embedded into"},{"speaker":"Irza Suprapto","startTime":2282.34,"endTime":2285.85,"body":"their way of doing things,"},{"speaker":"Irza Suprapto","startTime":2282.34,"endTime":2285.85,"body":"whereas in Indonesia, because, I"},{"speaker":"Irza Suprapto","startTime":2285.85,"endTime":2288.64,"body":"mean, OCBC is capable of"},{"speaker":"Irza Suprapto","startTime":2285.85,"endTime":2288.64,"body":"building a lot of capabilities"},{"speaker":"Irza Suprapto","startTime":2288.67,"endTime":2292.09,"body":"or products which can value at"},{"speaker":"Irza Suprapto","startTime":2288.67,"endTime":2292.09,"body":"you are capable of providing"},{"speaker":"Irza Suprapto","startTime":2292.09,"endTime":2296.11,"body":"more value to them across"},{"speaker":"Irza Suprapto","startTime":2292.09,"endTime":2296.11,"body":"different requirements of the"},{"speaker":"Irza Suprapto","startTime":2296.11,"endTime":2298.84,"body":"Companies. Okay, that's quite"},{"speaker":"Irza Suprapto","startTime":2296.11,"endTime":2298.84,"body":"interesting."},{"speaker":"altona widjaja - OCBC ID","startTime":2299.5,"endTime":2305.8,"body":"As an"},{"speaker":"altona widjaja - OCBC ID","startTime":2299.5,"endTime":2305.8,"body":"example, we that's like, I"},{"speaker":"altona widjaja - OCBC ID","startTime":2305.8,"endTime":2310.39,"body":"think, okay, as an example, we"},{"speaker":"altona widjaja - OCBC ID","startTime":2305.8,"endTime":2310.39,"body":"actually have a HR system,"},{"speaker":"altona widjaja - OCBC ID","startTime":2310.42,"endTime":2314.86,"body":"right? We have an invoicing tool"},{"speaker":"altona widjaja - OCBC ID","startTime":2310.42,"endTime":2314.86,"body":"as well. We have a loyalty"},{"speaker":"altona widjaja - OCBC ID","startTime":2314.86,"endTime":2319.09,"body":"system as well that actually"},{"speaker":"altona widjaja - OCBC ID","startTime":2314.86,"endTime":2319.09,"body":"customers can use to run their"},{"speaker":"altona widjaja - OCBC ID","startTime":2319.09,"endTime":2322.54,"body":"businesses, basically, right?"},{"speaker":"altona widjaja - OCBC ID","startTime":2319.09,"endTime":2322.54,"body":"And I think that's the start of"},{"speaker":"altona widjaja - OCBC ID","startTime":2322.54,"endTime":2326.35,"body":"it. And we want to see how we"},{"speaker":"altona widjaja - OCBC ID","startTime":2322.54,"endTime":2326.35,"body":"can, kind of, like, integrate"},{"speaker":"altona widjaja - OCBC ID","startTime":2326.35,"endTime":2330.94,"body":"all of this to power, right? The"},{"speaker":"altona widjaja - OCBC ID","startTime":2326.35,"endTime":2330.94,"body":"people that are doing the"},{"speaker":"altona widjaja - OCBC ID","startTime":2330.94,"endTime":2333.25,"body":"business further in the future?"},{"speaker":"altona widjaja - OCBC ID","startTime":2330.94,"endTime":2333.25,"body":"Yeah,"},{"speaker":"Irza Suprapto","startTime":2333.91,"endTime":2336.04,"body":"That's very, very"},{"speaker":"Irza Suprapto","startTime":2333.91,"endTime":2336.04,"body":"interesting. And I think that's"},{"speaker":"Irza Suprapto","startTime":2336.07,"endTime":2339.01,"body":"very valuable to a lot of"},{"speaker":"Irza Suprapto","startTime":2336.07,"endTime":2339.01,"body":"startups, right? Because then"},{"speaker":"Irza Suprapto","startTime":2339.01,"endTime":2342.73,"body":"they don't have to look for"},{"speaker":"Irza Suprapto","startTime":2339.01,"endTime":2342.73,"body":"multiple vendors to do a lot of"},{"speaker":"Irza Suprapto","startTime":2343.09,"endTime":2346.3,"body":"different things, especially in"},{"speaker":"Irza Suprapto","startTime":2343.09,"endTime":2346.3,"body":"Indonesia, where the culture is"},{"speaker":"Irza Suprapto","startTime":2347.71,"endTime":2351.01,"body":"small shops, war on, war rooms"},{"speaker":"Irza Suprapto","startTime":2347.71,"endTime":2351.01,"body":"and all can actually, would"},{"speaker":"Irza Suprapto","startTime":2351.01,"endTime":2355.09,"body":"actually require such value"},{"speaker":"Irza Suprapto","startTime":2351.01,"endTime":2355.09,"body":"that's being provided. All"},{"speaker":"Irza Suprapto","startTime":2355.09,"endTime":2357.64,"body":"right, but I think with that, I"},{"speaker":"Irza Suprapto","startTime":2355.09,"endTime":2357.64,"body":"think I've taken enough of your"},{"speaker":"Irza Suprapto","startTime":2357.64,"endTime":2361.66,"body":"time. I think we've run over the"},{"speaker":"Irza Suprapto","startTime":2357.64,"endTime":2361.66,"body":"time that was allocated. Thank"},{"speaker":"Irza Suprapto","startTime":2361.66,"endTime":2365.41,"body":"you very much for spending time."},{"speaker":"Irza Suprapto","startTime":2361.66,"endTime":2365.41,"body":"You know we will be speaking"},{"speaker":"Irza Suprapto","startTime":2365.41,"endTime":2367.75,"body":"with you again throughout all"},{"speaker":"Irza Suprapto","startTime":2365.41,"endTime":2367.75,"body":"our activities later in this"},{"speaker":"Irza Suprapto","startTime":2367.75,"endTime":2371.14,"body":"year. And yeah, we look forward"},{"speaker":"Irza Suprapto","startTime":2367.75,"endTime":2371.14,"body":"to all of your insights."},{"speaker":"altona widjaja - OCBC ID","startTime":2371.26,"endTime":2373.15,"body":"Awesome."},{"speaker":"altona widjaja - OCBC ID","startTime":2371.26,"endTime":2373.15,"body":"Thank you so much, Irza."},{"speaker":"Irza Suprapto","startTime":2373.3,"endTime":2374.41,"body":"Thank you Pak"},{"speaker":"Irza Suprapto","startTime":2373.3,"endTime":2374.41,"body":"Altona."},{"speaker":"AIBP","startTime":2376.56,"endTime":2379.92,"body":"We hope you've enjoyed the"},{"speaker":"AIBP","startTime":2376.56,"endTime":2379.92,"body":"episode. For more information"},{"speaker":"AIBP","startTime":2379.92,"endTime":2383.72,"body":"about business growth in the"},{"speaker":"AIBP","startTime":2379.92,"endTime":2383.72,"body":"ASEAN region. Please visit our"},{"speaker":"AIBP","startTime":2383.72,"endTime":2389.24,"body":"website@www.aibp.sg the."}]}