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Respons Anda bersifat rahasia dan hanya akan dibagikan kepada tim IKON × Comarch.

Format: 08xx atau +628xx (angka saja)
Opsional — angka saja
AI Wealth Indonesia 2026 Study

Indonesia Wealth Management
& AI Readiness Market Research

A structured diagnostic to assess attitudes, readiness, and ambitions regarding AI-enabled solutions in Indonesian wealth management — across front-office RM capabilities and back-office technology infrastructure. All responses are anonymized and results presented in aggregate only.

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Hello, ! You will answer 35 questions across 4 pillars. Estimated time: ±15 minutes.
35
Questions
4
Pillars
15'
Est. Time
1

AI-Enabled Front Office

Personal AI usage, RM workflow & strategic ambition — 11 questions

2

IT, Infrastructure & Agentic AI Readiness

Platform integration, data infrastructure, OJK compliance — 11 questions

3

AI Use Case Prioritization

Portfolio intelligence, compliance AI, KYC, agentic deployment — 7 questions

4

Organizational Change Readiness

Executive alignment, talent strategy, governance maturity — 6 questions

How will AI Fundamentally Reshape Wealth Management In Indonesia?

This section draws on the Comarch Wealth Management Innovations & Roadmap 2026+ presentation. Comarch is a global fintech provider and one of the leading wealth management platform vendors in Europe and Asia-Pacific, with active deployments across Southeast Asia.

The Core Thesis

AI is critical to support RM to become a strategic advisor.

Comarch's central argument is that AI in wealth management is not an incremental productivity improvement — it is a structural redefinition of the Relationship Manager (RM) role itself. The shift is from 'transactional executor' — processing instructions, producing reports, managing admin — to 'strategic advisor', spending most of the client time on relationships, planning, and high-value decisions.

The enabling condition is a new generation of AI agents that handle everything else autonomously, but only when grounded in verified financial logic rather than raw language model outputs.

The Critical Infrastructure Insight: Separating Logic from Narrative

Comarch's most important architectural insight is that AI agents in wealth management must not calculate financial outputs themselves. A raw language model cannot safely calculate Time-Weighted Returns, validate suitability against risk profiles, or run rebalancing scenarios — it will produce plausible but mathematically incorrect outputs.

The solution is a domain-specific Wealth Logic Layer: an engine that performs all financial calculations, compliance checks, and portfolio analytics first, producing validated data objects that AI agents then narrate to the RM. The AI communicates what the engine has already verified.

The Three-Tiered AI Maturity Model

Level 1
Portfolio Summary & Insights
Automated, closed-scope generation. Produces a concise narrative snapshot of client portfolio performance and allocation. Replaces static PDF reporting with AI-generated client letters contextualized against market outlook.
Level 2
Meeting Prep & Relationship Briefing
Holistic, advisor-focused synthesis. Aggregates CRM history, risk profile, pending tasks, critical alerts, and growth opportunities into a single 'Super-Briefing' before every client meeting — replacing manual preparation entirely.
Level 3
Conversational Assistant
Open-ended, cross-client querying. Allows RMs to ask natural language questions to filter the entire client database dynamically — replacing complex multi-system lookups with a single conversational interface.
← INCREASING COMPLEXITY & VALUE →
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Research Agent
Identifies client events (e.g. bond maturity) and cross-references unstructured context — emails, meeting notes, inflation concerns — to generate prioritized, contextualized next actions for the RM.
⚖️
Compliance Agent
Validates every investment proposal against the client's current risk profile in real-time. Flags suitability breaches before the RM presents anything to the client.
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Proposal Architect Agent
Drafts AI-generated rebalancing proposals incorporating model portfolio, risk profile, and CIO market view, with compliance checks embedded. Produces client-ready investment letters.
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Portfolio Health Check Agent
Continuously monitors all client portfolios against model targets. Proactively alerts the RM when portfolio drift creates a rebalancing opportunity, without waiting for a scheduled review.
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Wealth Planning Agent
Answers complex what-if scenarios in natural language — e.g. 'If the client shifts $50k to equities, does early retirement become viable?' — using the Comarch engine for all projection calculations.
The Combined Value Proposition

Efficiency — automating manual search, meeting prep, and drafting. Accuracy — ensuring every insight, calculation, and proposal is mathematically sound and compliant. Experience — empowering RMs to move from admin to advisor, utilizing Next-Best-Actions. Scalability — extending the same logic engine to serve mass affluent clients digitally, without increasing headcount.

IKON & Comarch — Uniquely Positioned

Comarch is a global technology company founded in 1993 in Kraków, Poland, delivering AI-driven software solutions to financial institutions, telecoms, and enterprises across more than 30 countries. In September 2025, Comarch appointed its first Chief AI Officer and committed at board level to becoming an AI-driven organisation — embedding AI across all its products, services, and internal operations.

As CEO Jarosław Mikos stated: "For us, AI is not a passing trend but a long-term commitment and the foundation for growth and competitive advantage."

Comarch Wealth Management is an integrated, cloud-enabled platform serving retail, mass affluent, and HNWI segments.

IKON is the strategic partner and reseller for Comarch Wealth Management in Indonesia. With 24 years of deep Indonesian financial services expertise and established relationships across the banking sector, IKON brings the local market knowledge, deep understanding and experience with OJK/BI regulatory frameworks, and institutional trust that no global firm can replicate from the outside.

Together

Together, IKON and Comarch are uniquely positioned to deliver this study. Comarch contributes global AI-in-wealth-management expertise, a proven Wealth Logic Layer architecture, and a board-level commitment to becoming an AI-driven organisation. IKON contributes the Indonesian market depth, regulator relationships, and financial sector credibility to ensure the findings are grounded in local realities — not global assumptions. The result is Indonesia's first AI readiness framework built specifically for this market.

By participating, you will receive access to the full anonymised benchmark report — the Indonesia AI Wealth Management Readiness Index 2026 — showing where Indonesian wealth management institutions stand collectively on AI readiness, AI awareness, AI infrastructure maturity, and AI wealth use case prioritisation. This report will be jointly published by Comarch and IKON in June 2026, shared with all participating institutions, as well as presented at an upcoming ABAPERDI member event planned for June 2026.

Your Anonymity — A Commitment, Not a Footnote

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This questionnaire is fully anonymous. No individual name, job title, or firm name will be collected, recorded, or published. You will not be asked to identify yourself or your organisation at any point. There is no requirement to seek internal approval before participating.

All findings will be reported exclusively as aggregated, anonymised market data. Individual responses cannot be traced back to any person or institution — not by Comarch, not by IKON, and not by any third party. The value of this study depends entirely on honest, unfiltered responses. Your candour is both welcome and protected.

Each question presents a real-world statement or scenario, drawn from published industry research and market practice. Read the question and select the response that most accurately reflects your own experience or your firm's current situation. There are no right or wrong answers.

Scoring scale — consistent throughout all questions:
1
Strongly Disagree
2
Disagree
3
Agree
4
Strongly Agree
💡 Scoring is consistent throughout: a score of 1 always reflects a skeptical, unaware, or inactive position; a score of 4 always reflects a sophisticated, active, and strategically mature position.