Respons Anda bersifat rahasia dan hanya akan dibagikan kepada tim IKON × Comarch.
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.
Personal AI usage, RM workflow & strategic ambition — 11 questions
Platform integration, data infrastructure, OJK compliance — 11 questions
Portfolio intelligence, compliance AI, KYC, agentic deployment — 7 questions
Executive alignment, talent strategy, governance maturity — 6 questions
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.
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.
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.
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.
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, 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.
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.