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OpenGov spoke to Sri Hartati, Former Head of Information System & Technology, Ministry of Finance, Indonesia, about the Ministry’s plans to standardise their IT system across departments and to embrace fintech in upcoming years.
Before we got to future plans, Mrs. Sri Hartati briefed us on the history of IT within the Ministry of Finance and where it stands today. Her department has been working hard to integrate systems throughout the Ministry in order to allow for a complete and organised infrastructure.
“In 1975, MOF started the path towards digital transformation with the establishment of IT office. IT has been growing hence and 2010 marked the kick-off of throughout IT integration,” said Mrs. Sri Hartati.
“Back then, all of the separate departments had their own IT system and data centre. The Minister pushed the initiative to integrate these systems and allow for a more organised infrastructure across the board.”
Just this past year, Mrs. Sri Hartati and her team have been working to integrate the data within the Ministry and feed it into the Data Warehouse.
“Starting last year, MOF has integrated the data and developed the Data Warehouse. MOF proceeded by starting development of business process architecture. Once the business process architecture completed, MOF will integrate the system within the Ministry also known as Integrated Finance Management Information System (IFMIS),” Mrs. Sri Hartati told us.
Key IT Milestones for the Ministry of Finance
The Ministry of Finance has big plans set out for itself with some key milestones coming up in the next few years. The key milestones follow the digital transformation initiative, which commenced in 2014. Mrs. Sri Hartati shared the key milestones that have been starting from 2015 and will be continuing to 2025 as follows:
1. Complete centralisation of standard applications;
2. Develop e-corporate services;
3. Improve revenue and expenditure systems;
4. Implement common risk engine;
5. Implement enterprise IT security; and
6. Implement Disaster Recovery Plan.
“The digital transformation plans began in 2014. This year, MOF focuses on the through centralisation of standard applications,” Mrs. Sri Hartati informed us.
“Every unit used to have their own system, infrastructure, and data centre, which were not standardised. The work MOF is doing this year will fix this.”
MOF Work in Providing Online Services
In working towards these key milestones, the Ministry must focus on implementing new online services for citizens.
“MOF is developing more channels for citizens to pay their taxes and submit the necessary documents. Right now, MOF is working on e-corporate services and the next generation of revenue systems,” Mrs. Sri Hartati stated.
In addition to these developments, the Ministry has concrete plans to improve several budget, financial, and revenue systems.
“MOF is working on implementing and improving budget and financial systems such as SPAN, OM-SPAN, and MPN. MOF is also developing SIDJP and CEISA in order to improve revenue systems,” Mrs. Sri Hartati added.
With mobile penetration rates at an all-time high within Indonesia, these plans are essential to digital transformation within all Government Ministries.
Impact of Fintech on Citizens of Indonesia
Fintech will surely have a lasting impact on Indonesia’s citizens as they will have more avenues to access services provided by financial organisations. The Ministry of Finance plays an important role in this vision as they will drive standards and policies, applicable to public and private sectors.
Mrs. Sri Hartati described the national economic impact that fintech will have on the citizens of Indonesia in the following statement.
“The Ministry of Finance has continued to support the nation’s financial health and economic growth for decades,” Mrs. Sri Hartati stated, “Based on Budget Statements 2016, in recent years, Indonesia’s GDP growth has stabilised at around 6 percent per annum. National revenues in the period of 2010 – 2014 has increased significantly by an average of 11.7 percent per year.”
As for the transformational change, Mrs. Sri Hartati recognised that the Ministry has overcome several obstacles to get to the place it stands today.
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A delegation from the Ministry of State Apparatus Empowerment and Bureaucratic Reform (PANRB) met with the Permanent Mission of the Republic of Indonesia to the United Nations (PTRI New York) in New York. The meeting addressed the importance of digitisation as a fundamental foundation in bureaucratic reform.
Digitisation, involving representatives from the Ministry of PANRB and PTRI New York, discussed concrete steps to integrate technology into bureaucratic reform efforts. The discussion involved aspects such as implementing information systems, developing human resource capacity, and using technological innovation to enhance administrative efficiency.
In this meeting, the delegation from the Ministry of PANRB, led by Deputy for Institutional and Organisational Affairs Nanik Murwati, accompanied by Acting Assistant Deputy for Institutional and Organisational Affairs for the Economy, Maritime, and Investment of the Ministry of PANRB Ario Wiriandhi, was received by the Permanent Representative of Indonesia to PTRI New York, Arrmanatha Christiawan Nasir, and his team. The meeting began with discussions on the progress of institutional and organisational policy.
Nanik emphasised the urgency and importance of bureaucratic reform supported by data-based digital governance. “Digitisation through the SPBE architecture is the main foundation for bureaucratic reform, with its impact to be felt by the Indonesian people both domestically and internationally,” said Nanik.
Nanik demonstrated the Indonesian government’s commitment to advancing bureaucratic reform through digital transformation through this meeting. They underscored the importance of international collaboration, especially in exchanging knowledge and experiences related to implementing technology in public administration.
One of the main focuses of the meeting was to enhance the effectiveness of public services through implementing digital solutions. The delegation discussed the potential use of artificial intelligence, data analysis, and technology-based platforms to expedite decision-making processes and provide more responsive services to the public.
“The use of digital technology in various aspects of government operations, such as reporting, data management, and interagency coordination, can create a more open, transparent, and efficient environment,” said Nanik.
The Ministry of State Apparatus Empowerment and Bureaucratic Reform (PANRB) emphasised simplifying and integrating business processes to strengthen digitisation. The main goal is to improve the effectiveness and efficiency of task implementation, programmes, and services across all government agencies, including those carried out by the Permanent Mission of the Republic of Indonesia (PTRI) in New York.
Nanik, the representative from the Ministry of PANRB, revealed that the next step is to conduct an in-depth review with PTRI New York regarding the institutional arrangement policy of the Indonesian Representative Abroad. This institutional arrangement aligns with the revision of Presidential Decree No. 108/2003 concerning the Organisation of the Indonesian Representation Abroad. This process aims to align and enhance the organisational structure to provide optimal support in diplomatic tasks.
The discussion highlighted crucial points, including the position and relationship of business processes and work procedures between PTRI and KJRI New York, KBRI Washington DC, and other organisational elements within the PTRI New York environment. The results of the meeting are expected to form a strong foundation to strengthen synergy and efficiency in diplomatic tasks at PTRI in New York.
Furthermore, through this collaborative step, Nanik believes that by implementing digitisation comprehensively in bureaucracy, there will be significant opportunities to improve the efficiency and responsiveness of public services. Digitisation will facilitate access and information exchange between agencies, reduce task execution time, minimise bureaucracy, and mitigate risks associated with manual processes.
This initiative addresses current needs and looks ahead, creating a robust foundation for adapting to ongoing technological developments. Thus, Indonesia can continue to deliver excellent and responsive public services, achieving the goal of sustainable bureaucratic transformation.
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In the rapidly evolving landscape of the global economy, digital transformation has become a key driver of growth and competitiveness. Indeed, embracing this transformative wave is not just a choice but a necessity. The key to unlocking Indonesia’s vast potential lies in adopting a skills-first approach to learning, where the workforce is equipped with the digital skills needed to thrive in the 21st-century economy.
Indonesia, with its diverse culture and abundant resources, stands at a crossroads of opportunity. However, to harness this potential fully, the country must transition into a digitally-driven economy. The pandemic has underscored the importance of digitalisation, making it imperative for businesses and individuals alike to adapt to the new normal. Embracing digital transformation is not only about survival but also about ensuring sustainable and inclusive growth.
While the vision of unlocking Indonesia’s potential through digital transformation is promising, some challenges must be addressed to ensure successful implementation; and one of the primary challenges is the digital divide.
To overcome this barrier, concerted efforts are needed to expand digital infrastructure and provide affordable access to technology, especially in remote and underserved areas. Government initiatives, public-private partnerships, and community-based programmes can play a pivotal role in bridging this gap.
Additionally, the education system must undergo a significant overhaul to align with the demands of the digital era. This involves revising curricula to include not only technical skills but also critical thinking, problem-solving, and creativity. Encouraging multidisciplinary approaches and project-based learning can help students develop a holistic skill set that prepares them for the challenges of the digital workforce.
As Indonesia steers towards embracing digital transformation through skills-first learning, the trajectory of its economic and social development is poised to undergo a significant shift. A digitally skilled workforce not only attracts foreign investment but also fuels innovation and entrepreneurship domestically. The country can position itself as a hub for technological innovation, creating a vibrant ecosystem that fosters collaboration between startups, established enterprises, and research institutions.
Likewise, the benefits of digital transformation extend beyond economic considerations. Improved healthcare, enhanced public services, and increased connectivity can contribute to an overall improvement in the quality of life for Indonesian citizens. Smart cities, sustainable practices, and resilient communities can be nurtured through the integration of digital technologies into various facets of daily life.
The OpenGov Breakfast Insight held on 28 November 2023 at The Westin Jakarta discussed strategies to leverage emerging technologies for development and growth while acquiring digital skills to remain competitive in a rapidly evolving market in Indonesia.
Opening Remarks



Mohit Sagar, CEO and Editor-in-Chief of OpenGov Asia recognises Indonesia’s foray into digital transformation, signalling a transformative phase poised for substantial economic growth. Digital transformation, the integration of digital technologies into all aspects of society, Mohit agrees, is essential to propelling the nation into a new era.
The surge in smartphone adoption, expanding internet accessibility, and a burgeoning middle class are propelling the country’s digital economy at an astonishing speed. However, he underscores that this shift must go beyond adopting gadgets. It must become a fundamental shift in how businesses operate, governments function, and citizens lead their lives.
Highlighting the importance of digital transformation in Indonesia is crucial, especially in enabling economic growth, enhancing efficiency, and improving overall quality of life. This hinges on the citizens’ capability to comprehend, utilise and optimise digital innovation and technology.
In light of this, the urgency of acquiring digital skills cannot be overstated. In a job market evolving at a breakneck pace, individuals equipped with digital skills stand at a vantage point, securing employment and propelling their careers forward. The consequences of lagging in this digital race are stark, posing a risk of job displacement and a potential slide into obsolescence across industries, from healthcare to finance.
Adaptability, perpetual learning, and the relevance of skills in the swiftly evolving digital landscape take centre stage in this educational revolution. Enter Skills-First Learning is an innovative educational approach prioritising practical skills over conventional academic qualifications. This groundbreaking method aims to equip individuals and the workforce with the precise skills needed to flourish in the digital age.
Indonesia’s job market is undergoing a radical metamorphosis, propelled by the swift march of digital technologies. Conventional job roles are shape-shifting, creating a new wave of digital-centric positions. Automation and artificial intelligence are reshaping the private sector and infiltrating government jobs, streamlining administrative tasks and service delivery.
Citing the Indonesian government’s Ministry of Communication and Information Technology’s projection of a need for up to 9 million digital talents by 2030, Mohit underscores the critical need for upskilling to meet the surging requirements of the digital age.
“In e-commerce, proficiency in digital marketing, data analysis, and e-commerce platform management is paramount,” says Mohit. “Fintech demands expertise in digital payments, blockchain, and risk management. Also, cybersecurity professionals need skills to shield digital assets from evolving cyber threats.”
The public sector, a cornerstone of societal development, must lead by example in embracing digital technologies. Government agencies grappling with skills gaps must bridge these divides to ensure effective digital transformation, necessitating collaboration with private industries and academia.
Moreover, as AI integration expands, ensuring transparency becomes paramount, aligning its use with public sector objectives, overseeing performance, and ensuring ethical deployment.
“Identifying existing skill gaps, tailoring training programmes, fostering digital literacy, and promoting a culture of continuous learning are the keystones to navigating Indonesia’s digital future successfully,” Mohit concludes. “The journey is difficult, but the destination promises unprecedented growth and innovation.”
Welcome Address



Chad Al-Sherif Pasha, Senior Advisor and Head of APAC at Coursera for Government offers a thought-provoking analysis that projects a seismic shift in the employment paradigm by 2027. Anticipating a substantial transformation affecting approximately 28% of current employment, he underscores the pressing need for upskilling and adaptation to stay abreast of the accelerating digital environment.
Chad perceives this transformative wave not as a mere obligation to stay relevant in an ever-evolving job market, but as a gateway to thriving in the face of advancing technology and the imperative for industry transformation, offering a realm of new opportunities to unfold.
This dynamic environment, he notes, necessitates strategic planning in skills development – an essential for both confronting challenges and capitalising on opportunities that will unfold in the future.
At the core of preparing for this imminent digital transformation is upskilling. Upskilling not only provides a competitive edge but also serves as a gateway to innovation and a deeper comprehension of the changing dynamics in the market.
Strategic planning, as understood by Chad, involves a proactive approach to skills development. Recognising the trends in digital transformation and identifying the forthcoming skills requirements allows individuals and organisations to position themselves adeptly to meet the demands of the future.
“This involves the implementation of adaptive learning approaches and educational solutions tailored to the constantly evolving needs of industries,” Chad explains
Coursera, a pioneering platform in the digital education sector, plays a pivotal role in this paradigm shift. Through its diverse array of programmes and courses, Coursera contributes significantly to preparing individuals and organisations to grapple with the challenges posed by digital transformation. The platform provides access to relevant and regularly updated educational content spanning various disciplines and skills vital in today’s digital era.
Being a leader in online learning, Coursera not only facilitates access to global educational resources but also dynamically adapts its learning approaches to align with the needs of individuals and organisations amid the rapid changes in the world of work.
Chad’s role encompasses Coursera for Government, where he has organised programmes tailored to assist government agencies and organisations in readying their workforce for the ongoing digital transformation.
This initiative revolves around building a learning ecosystem that is responsive and meticulously aligned with industry needs, thereby continuing to support endeavours aimed at enhancing relevant skills and knowledge.
The significance of Coursera in supporting upskilling and reskilling extends beyond individual career development. It also contributes to organisations building teams that can adeptly navigate the dynamic business environment, fostering adaptability and innovation.
“As individuals and organisations plan a holistic skills development strategy, they not only brace themselves for the challenges of the future with confidence and readiness,” Chad explains. “They also play a pivotal role in making a positive contribution to the development of society and the global economy in this era of profound digital transformation.”
Closing Remarks
Acknowledging the valuable insights from participants, Chad extended words of encouragement and motivation, emphasising the importance of dedicated upskilling and reskilling efforts. Highlighting the dynamic nature of a rapidly evolving world, he underscored the necessity for ongoing skill enhancement to stay relevant and competitive, advocating for a positive approach to meet these demands.
Chad emphasises the importance of proactively developing skills in the era of ongoing digital transformation. He pointed out that by continuously enhancing skills, individuals not only keep up with technological advancements but also position themselves as innovators and leaders, adept at understanding and implementing innovations.
He reaffirmed Coursera’s commitment to aiding individuals in their learning endeavours. With access to top-tier educational resources globally, Coursera stands as an essential tool in nurturing a workforce that is adaptable and ready to tackle change head-on.
“Coursera for Government reiterates its commitment to being a dependable partner for individuals and organisations navigating the complexities of digital transformation,” confirms Chad. “We are committed to the pivotal role in empowering individuals and organisations to excel in an era marked by ongoing change and innovation.”
Mohit emphasises the dynamic nature of the workforce, underscoring its continuous need to adapt to the rapid changes in today’s digital landscape. In this era of digital transformation, he acknowledges that workforce management extends beyond technical skills, encompassing vital attributes such as agility, creativity and adaptability.
Organisations need to prioritise a deeper understanding of workforce needs and skill growth as the cornerstone for crafting enduring policies that will positively shape forthcoming industrial and technological progressions.
Investing in skills development and human resources is pivotal for maintaining a relevant and productive workforce. Hence, continuous learning, ongoing training, and leadership development are integral components of a successful workforce management strategy.
“Success in overcoming the challenges of digital transformation for any organisation does not hinge solely on adopting the latest technology, but equally on cultivating an innovative work culture,” he concludes. “An agile, skilled, and innovative workforce stands as the linchpin in steering market dynamics towards triumph during the digital transformation era.”
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Dalam lankskap percepatan ekonomi global, transformasi digital menjadi kunci utama untuk menumbuhkan kompetisi dan pertumbuhan suatu negara. Pastinya, merangkul gelombang transformasi bukan lagi menjadi pilihan, melainkan sebuah kebutuhan untuk tetap kompetitif. Kunci untuk mendobrak potensi Indonesia dalam transformasi digital ini terletak pada pendekatan skills-first dalam sistem pembelajaran. Artinya, tenaga kerja seperti karyawan akan dibekali dengan beragam keahlian digital yang dibutuhkan untuk menumbuhkan ekonomi di abad 21.
Sebagai negara yang memiliki beragam kebudayaan dan sumber daya, Indonesia memainkan banyak kesempatan. Akan tetapi, untuk mengimplementasikan potensi tersebut secara penuh, negara harus beralih kepada pertumbuhan ekonomi yang berbasis digital.
Masa pandemi menjadi titik balik negara untuk menyadari terkait pentingnya penggunaan sistem digital. Pada saat itu, lanskap bisnis berhasil berubah ke arah era new normal. Melihat hal tersebut, transformasi digital sekarang ini menjadi satu-satunya pilihan yang harus dilakukan untuk memastikan keberlangsungan bisnis dan pertumbuhan yang inklusif.
Sementara itu, visi dalam mendobrak potensi Indonesia melalui transformasi digital merupakan hal yang menjanjikan. Bebagai tantangan harus dihadapi guna mencapai kesuksesan yang implementatif, dan salah satu tantangan yang dihadapi dalam era ini adalah terjadinya sebuah kesenjangan digital.
Untuk melewati tantangan ini, diperlukan upaya bersama untuk memperluas infrastruktur digital dan menyediakan kemudahan untuk mengakses teknologi, terutama di area-area terpencil. Selain itu, inisisasi pemerintah, kerjasama publik-swasta, dan program berbasis komunitas menjadi peran penting dalam menjembatani kesenjangan tersebut.
Selain itu, sistem edukasi juga harus dilakukan perombakan signifikan agar sejalan dengan permintaan yang dibutuhkan di era digital. Hal ini mencakup revisi kurikulum yang tidak hanya berbasis keahlian teknis, melainkan juga penekanan pada critical-thinking, problem-solving, dan kreativitas. Melalui pendekatan multidisipliner dan project-based learning, hal tersebut tentu dapat membantu siswa untuk mengembangkan keahlian secara menyeluruh sebagai bentuk persiapan mereka dalam menghadapi tenaga kerja digital di masa depan.
Dengan melihat Indonesia yang sedang mengarahkan misinya untuk merangkul transformasi digital melalui skills-first learning, Indonesia akan menghadapi perubahan sosial ekonomi secara signifikan. Jika Indonesia berhasil membentuk berbagai tenaga kerja yang ahli digital, hal ini tidak hanya menarik perhatian investor asing, melainkan juga dapat mendorong inovasi dan semangat entrepreneurship. Indonesia dapat mencapai posisinya sebagai pusat inovasi teknologi, sehingga dapat menciptakan ekosistem dinamis yang mendorong kolaborasi antara perusahaan rintisan, perusahaan besar, dan lembaga penelitian.
Selain itu, manfaat transformasi digital tidak hanya untuk menumbuhkan perekonomian semata, akan tetapi juga dapat mendobrak peningkatan layanan kesehatan, peningkatan layanan publik, dan peningkatan konektivitas yang mampu berkontribusi pada peningkatan kualitas hidup masyarakat Indonesia secara keseluruhan. Smart city, praktik berkelanjutan (sustainability), dan masyarakat yang kuat dapat tercipta melalui integrasi teknologi digital ke dalam berbagai aspek kehidupan mereka sehari-hari.
Seluruh hal tersebut berhasil dibahas dalam acara OpenGov Breakfast Insight yang telah diselenggarakan pada tanggal 28 November 2023 berlokasi di The Westin Jakarta, berhasil mempertemukan berbagai pemimpin perusahaan dari berbagai sektor untuk mendiskusikan terkait langkah strategis Indonesia melalui pemanfaatan teknologi dan pertumbuhan sembari meningkatkan keahlian digital untuk tetap kompetitif dalam kompetisi pasar yang semakin berkembang.
Salam Pembuka



Sebagai CEO dan Kepala Redaksi di OpenGov Asia, Mohit Sagar menyoroti visi dan misi Indonesia dalam mencapai Indonesia Emas 2045. Dalam era digital, Mohit menegaskan bahwa karyawan adalah aset krusial dalam suatu perusahaan. Untuk tetap bersaing di pasar yang kompetitif, perusahaan perlu melakukan pemberdayaan karyawan yang adaptif.
Mohit menyoroti konsep “Skills-First Learning,” di mana karyawan dan tenaga kerja diberdayakan dengan pengetahuan teknologi dan digital untuk mendukung kinerja perusahaan di berbagai bidang. Ini menciptakan pondasi yang kokoh untuk pertumbuhan dan kesuksesan jangka panjang dalam menghadapi tantangan masa depan.
Pembelajaran yang berkelanjutan adalah sebuah perjalanan perusahaan yang harus dilakukan secara konsisten. Selain itu, memperluas keterampilan dan meningkatkan kapabilitas menjadi peran kunci dalam mempercepat prospek karir seseorang. Khususnya, dalam menghadapi alat dan teknologi digital seperti platform cloud computing atau alat data science, diperlukan pengembangan keterampilan yang berkelanjutan.
“Menjaga pemahaman terkini mengenai fitur dan kapabilitas baru melalui pelatihan menjadi hal yang sangat penting untuk mencapai keahlian maksimal. Dengan demikian, karyawan atau tenaga kerja dapat terus relevan dalam lingkungan yang terus berubah dan dinamis,” jelas Mohit.
Mohit juga menekankan pentingnya pelatihan yang adaptif. Pelatihan harus dapat disesuaikan dengan kebutuhan karyawan dan perusahaan yang terus berubah. Pelatihan yang tidak adaptif dapat menjadi tidak relevan dengan cepat dan tidak memberikan manfaat yang maksimal bagi karyawan.
Berikut adalah beberapa contoh spesifik tentang bagaimana pelatihan dapat membantu karyawan tetap relevan dalam lanskap digital yang terus berubah:
- Pelatihan dapat membantu karyawan mempelajari fitur dan kapabilitas baru dari teknologi yang mereka gunakan.
- Pelatihan dapat membantu karyawan mengembangkan keterampilan baru yang dibutuhkan untuk pekerjaan mereka.
- Pelatihan dapat membantu karyawan meningkatkan keterampilan berpikir kritis dan pemecahan masalah mereka.
- Pelatihan dapat membantu karyawan mengembangkan keterampilan komunikasi dan kolaborasi mereka.
Lebih lanjut, Mohit juga menawarkan beberapa strategi yang dapat dilakukan untuk mendukung percepat tersebut, di antaranya.
1.Mengidentifikasi Kesenjangan Keterampilan: Proses ini melibatkan penilaian terhadap kemampuan tenaga kerja dan memahami di mana kesenjangan berada terkait dengan teknologi baru dan AI.
2.Preferensi Program Pelatihan: Diskusikan kebutuhan akan program pelatihan yang disesuaikan berdasarkan identifikasi permasalahan. Program-program ini harus dirancang untuk membekali karyawan dengan keterampilan yang diperlukan untuk adopsi AI yang efektif dan integrasi teknologi baru.
3.Budaya Pembelajaran Berkelanjutan: Tekankan pentingnya membina budaya pembelajaran berkelanjutan di dalam organisasi. Dorong bisnis dan sektor publik untuk berinvestasi dalam pelatihan dan pengembangan berkelanjutan untuk menjaga kesejajaran dengan kemajuan teknologi.
4.Penggunaan AI yang Etis dan Bertanggung Jawab: Kebutuhan untuk berfokus pada penggunaan AI yang etis dan bertanggung jawab. Pastikan bahwa program-program pelatihan mencakup aspek etika dan implementasi AI yang bertanggung jawab untuk mencegah permasalahan yang mungkin saja terjadi.
Dengan memprioritaskan langkah-langkah tersebut, Indonesia dapat secara lebih efektif mempersiapkan tenaga kerjanya untuk mengadopsi teknologi baru dan kecerdasan buatan (AI). Ini menjadi krusial dalam menjaga agar negara tetap kompetitif dan inovatif di tengah dinamika era digital yang terus berkembang.
“Inisiatif ini bukan hanya investasi dalam sumber daya manusia, tetapi juga investasi dalam daya saing dan keberlanjutan Indonesia di era digital,” tutup Mohit.
Welcome Address



Chad Al-Sherif Pasha, selaku Senior Advisor and Head untuk APAC Coursera for Government memberikan analisis yang sangat mendalam mengenai proyeksi transformasi digital di dunia. Menurutnya, pada tahun 2027, diperkirakan akan terjadi transformasi digital yang signifikan, mencangkup sekitar 28% dari lanskap pekerjaan saat ini. Proyeksi ini menyoroti urgensi dan kebutuhan mendesak untuk meningkatkan keterampilan serta beradaptasi sebagai respons terhadap perkembangan yang terus-menerus dalam lingkungan digital.
Chad menjelaskan bahwa transformasi ini bukan hanya menjadi kewajiban semata-mata untuk mempertahankan relevansi dalam pasar tenaga kerja yang terus berubah, akan tetapi, ia menyoroti juga bahwa hal ini juga dapat mendorong peluang-peluang baru yang muncul seiring dengan kemajuan teknologi dan perubahan kebutuhan industri yang terus berkembang. “Oleh karena itu, perencanaan strategis dalam pengembangan keterampilan menjadi kunci untuk menghadapi tantangan dan memanfaatkan peluang yang akan muncul di masa depan,” jelasnya.
Di tahun 2027 mendatang, diperhitungkan akan terjadi peningkatan tuntutan sebesar 61% terhadap tenaga kerja untuk meningkatkan keterampilannya. Ditahun yang sama, 28% pekerjaan di Indonesia saat ini akan tergantikan. Selain itu, data dari AWS-Gallup Asia Pacific Digital Skills Study tahun 2022 menyatakan bahwa tenaga kerja Indonesia yang memiliki keahlian digital akan menghasilkan 2x lipat pendapatan lebih banyak dibandingkan yang tidak.
Melihat hal tersebut, Chad menggarisbawahi bahwa peningkatan keterampilan menjadi inti dari persiapan individu dan organisasi untuk menghadapi perubahan digital ini. Meningkatkan keterampilan tidak hanya memberikan keunggulan kompetitif, tetapi juga membuka pintu bagi inovasi dan pemahaman yang lebih baik terhadap dinamika pasar yang terus berubah.
Chad menyoroti pentingnya merencanakan strategi pengembangan keterampilan yang proaktif. Dengan memahami tren transformasi digital dan mengidentifikasi kebutuhan keterampilan yang mendatang, individu dan organisasi dapat memposisikan diri dengan lebih baik untuk mengatasi tantangan masa depan. Ini mencakup penerapan pendekatan pembelajaran yang adaptif dan solusi pendidikan yang responsif terhadap kebutuhan industri yang terus berkembang.
Coursera, sebagai platform inovatif dalam sektor edukasi digital, telah memberikan kontribusi yang signifikan dalam mempersiapkan individu dan organisasi menghadapi tantangan transformasi digital. Melalui berbagai program dan kursus yang ditawarkan, Coursera memberikan akses ke konten edukatif yang relevan dan diperbarui secara berkala, mencakup beragam disiplin ilmu dan keterampilan yang dibutuhkan dalam era digital saat ini.
Dengan menjadi pemimpin dalam penyediaan pembelajaran daring, Coursera tidak hanya memfasilitasi akses terhadap sumber daya pendidikan global tetapi juga mengadaptasi pendekatan pembelajaran untuk memenuhi kebutuhan individu dan organisasi di tengah perubahan cepat dalam dunia kerja.
Melalui Coursera for Government, Chad telah memainkan peran dalam menyediakan program-program yang dirancang khusus untuk membantu instansi pemerintah dan organisasi swasta dalam mempersiapkan tenaga kerja menghadapi transformasi digital yang terus berlangsung. Dengan membangun ekosistem pembelajaran yang responsif dan berfokus pada kebutuhan industri, Coursera terus mendukung upaya untuk meningkatkan keterampilan dan pengetahuan yang relevan.
Pentingnya Coursera dalam mendukung upskilling dan reskilling tidak hanya membantu individu untuk terus berkembang dalam karir mereka, tetapi juga mendukung organisasi dalam membangun tim yang dapat beradaptasi dengan perubahan lingkungan bisnis yang dinamis.
“Coursera berperan sebagai mitra strategis dalam memajukan pendidikan dan pengembangan keterampilan di era digital. Dengan terus menawarkan solusi pendidikan yang inovatif dan responsif, Coursera membantu membentuk masa depan pendidikan yang lebih inklusif, aksesibel, dan relevan untuk semua,” jelas Chad.
Salam Penutup
Dalam akhir acara, Chad memberikan dorongan dan motivasi kepada para delegasi untuk tetap aktif dalam melakukan upskilling dan reskilling terhadap pekerjaan mereka. Ia menekankan bahwa dalam dunia yang terus berubah dan berkembang pesat, peningkatan keterampilan menjadi suatu keharusan untuk tetap relevan dan berdaya saing.
Chad menyampaikan bahwa era transformasi digital yang sedang berlangsung memerlukan pendekatan proaktif terhadap pengembangan keterampilan. Dengan terus meningkatkan keterampilan, individu tidak hanya dapat mengikuti perkembangan teknologi, tetapi juga menjadi pionir dan pemimpin dalam memahami serta menerapkan inovasi-inovasi baru.
Coursera for Government, melalui panduan dan dukungan Chad, berkomitmen untuk menjadi mitra yang andal bagi individu dan organisasi dalam merespons tantangan transformasi digital. Dengan menyediakan akses ke sumber daya pendidikan terbaik dari seluruh dunia, Coursera menjadi alat penting dalam membentuk tenaga kerja yang tangguh dan siap menghadapi perubahan.
Mohit selanjutnya menyoroti bahwa, tenaga kerja bukan hanya sekadar entitas yang bersifat statis, tetapi merupakan aset dinamis yang harus terus beradaptasi dengan perubahan yang cepat di dunia digital saat ini. Dalam konteks ini, dia menekankan bahwa pengelolaan tenaga kerja di era transformasi digital tidak hanya melibatkan pengembangan keterampilan teknis semata, tetapi juga aspek-aspek seperti kreativitas dan kemampuan beradaptasi.
Menurutnya, organisasi perlu memahami bahwa berinvestasi dalam pengembangan keterampilan dan sumber daya manusia adalah langkah kunci untuk menjaga agar tenaga kerja tetap relevan dan produktif. Pembelajaran kontinu, pelatihan berkelanjutan, dan pengembangan kepemimpinan menjadi bagian integral dari strategi pengelolaan tenaga kerja yang sukses di era digital ini.
“Keberhasilan organisasi dalam menghadapi tantangan transformasi digital tidak hanya bergantung pada adopsi teknologi terkini, tetapi juga pada kemampuan mereka untuk membangun budaya kerja yang inovatif,” pungkas Mohit.
Mohit dan Chad bersama-sama sepakat bahwa tenaga kerja yang adaptif, terampil, dan inovatif akan menjadi kekuatan utama dalam menghadapi dinamika pasar menuju keberhasilan dalam era transformasi digital. Mereka percaya bahwa, pemahaman mendalam tentang kebutuhan tenaga kerja dan pengembangan keterampilan menjadi dasar bagi strategi jangka panjang yang dapat menghasilkan dampak positif dalam menghadapi perubahan industri dan teknologi di masa depan.
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The National Research and Innovation Agency (BRIN), through the Centre for Artificial Intelligence and Cyber Security Research, is currently developing a research project involving implementing Artificial Intelligence (AI) algorithms for diagnosing malaria. This research aimed to design and build a computer-based diagnosis system enriched with the implementation of AI algorithms to determine the health status of patients related to malaria.


Through AI integration, this system can identify whether a patient is affected by malaria and continue the diagnostic process by identifying the species of plasmodia and the life stage attacking red blood cells.
This step enhanced the accuracy of diagnosing malaria and opened opportunities for developing more precise and customised treatments.
Artificial intelligence significantly contributes to the efficiency of diagnostic processes, providing more accurate results and enabling faster and more effective treatment for patients infected with malaria.
AI technology in the malaria diagnosis process reflects a development in medicine and health technology, expanding the potential to detect and manage infectious diseases.
Thus, this research not only reflects scientific progress but also has the potential to make a significant positive impact on global efforts to combat infectious diseases, particularly malaria.
Currently, malaria is predominantly a concern in tropical and subtropical regions. Three diagnostic methods exist to identify plasmodium parasites in the blood: Rapid Diagnostic Test, Polymerase Chain Reaction, and peripheral blood smear microphotograph, which has become the standard.
The Head of the Centre for Artificial Intelligence and Cyber Security Research, Anto Satriyo, emphasised that the morphology of plasmodia changes over time, so the diagnostic system is built to identify each life stage of each parasite. “We also developed a system to automate the diagnosis using Arduino, as hundreds of fields of view (thick smear: 200 leucocytes, thin smear: 500-1000 erythrocytes) need to be analysed for the final diagnosis decision, especially during Mass Blood Surveys in malaria-prone areas, especially in Eastern Indonesia,” he explained.
The Thick Blood Smear Microphotograph CAD Malaria system, previously developed through a diagnostic process, begins with reading thick blood smear slides in the first field of view. After being captured by the camera, the image is processed by the application to determine the presence of malaria parasites. “The image is then saved as data. After completion, the motor control system will shift the slide to the right to obtain the second adjacent field of view. The next process is taking images of the second field of view for analysis and storage. This process is repeated until the minimum number of fields of view diagnosed is reached,” he asserted.
Experimental data were collected from various regions in Indonesia by the Malaria Laboratory of the Eijkman Centre for Molecular Biology Research while they built the diagnosis system. “It is envisioned that the system can be used to assist field officers so that diagnoses can be made faster and more accurately,” he concluded.
AI technology in malaria diagnosis represents a significant breakthrough in medical efforts to improve the accuracy, efficiency, and speed of the diagnostic process for this disease. Beyond clinical benefits, the development of this system also drives advancements in knowledge and technology in the fields of artificial intelligence and medicine.
By continuing to explore the potential of this technology in the future, it will not only be beneficial in diagnosing malaria but will also contribute to understanding and managing other infectious diseases. As a result, applying artificial intelligence technology in the context of malaria diagnosis opens the path toward more advanced, responsive, and targeted healthcare.
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The Nanyang Technological University, Singapore (NTU Singapore), has introduced a pioneering Bachelor of Applied Computing in Finance (BACF) degree programme in response to the escalating demand for professionals equipped with financial domain knowledge and advanced technological skills. Aimed at meeting the evolving needs of financial institutions and fintech firms, the programme is a strategic move to support the Singapore government’s vision of a tech-enabled financial sector.
Jointly offered by the Nanyang Business School (NBS) and the School of Computer Science and Engineering (SCSE), the BACF programme is set to reshape the educational landscape by seamlessly integrating finance domain expertise with applied analytical and technological skills.
The collaboration between the two schools will foster the development of innovative courses like Blockchain in Finance, Machine Learning in Finance, and Product Management, ensuring that graduates are well-prepared for the dynamic intersection of finance and technology.
A distinctive feature of the programme is the year-long industry-based applied research project, co-designed and co-supervised by faculty members from both schools. Students will tackle real-world challenges posed by industry partners, developing financial applications that contribute to the ongoing digitalisation journey of the financial industry.
Scheduled to commence in the 2024 academic year, the BACF programme is designed as a four-year full-time initiative. Professor Ling San, NTU’s Deputy President and Provost, emphasised the programme’s interdisciplinary education approach, leveraging the strengths of two world-class schools to cultivate talents and leaders crucial for navigating the digitalisation era of the financial industry.
To enrich the learning experience, all BACF students will undergo a mandatory 20-week professional internship in relevant job roles. Besides, students can opt for broadening and deepening electives, extending their internship during the summer holidays to a total of 30 weeks. This emphasis on experiential learning aligns with Singapore’s broader push towards interdisciplinary education.
Sopnendu Mohanty, Chief FinTech Officer at MAS, applauds the programme for incorporating practical experience through internships, asserting that the curriculum is well-positioned to meet the needs of the FinTech ecosystem. In an industry shaped by ever-evolving technologies, talent development remains a pivotal force for pursuing growth and resiliency.
The BACF programme aligns with NTU’s 2025 strategic plan, emphasising the institution’s commitment to nurturing future-ready graduates and supporting the government’s vision of a tech-enabled financial sector. With its focus on integrated courses and industry relevance, the programme prepares students for diverse career options, including roles as data analysts, digital strategists, business analysts, and product managers in various financial settings.
The programme’s specialisations cater to specific industry demands, offering students the opportunity to delve deeper into Financial Analytics and WealthTech, Crypto Asset and Blockchain, or Digital Banking and Security.
It aligns academic training with the specific needs and trends of the industry, ensuring that graduates possess specialised skills and knowledge that are directly applicable and sought after in the rapidly evolving landscape of finance and technology.
This not only benefits the students in terms of career prospects but also addresses the industry’s demand for professionals with specialised expertise in these critical areas, fostering innovation and progress within the financial sector. The tailored approach ensures that graduates possess a robust foundation in their chosen specialisation while gaining a comprehensive education in finance and technology.
Candidates can apply through multiple routes, including GCE “A” levels, International Baccalaureate, or polytechnic paths. The BACF programme represents a forward-looking initiative, blending academic rigour with practical experience to produce a new generation of professionals adept at navigating the intricate intersection of finance and technology.
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The government has released a resolution that extends the pilot period for the use of telecom payment accounts for small-value goods and services until 31 December 2024. Accordingly, the State Bank of Vietnam has been tasked with collaborating with the Ministry of Information and Communications (MIC), the Ministry of Public Security, the Ministry of Justice, and relevant agencies to assess and submit legal documents regulating Mobile-Money services to the central government before May 2024.


In 2021, the Prime Minister approved the two-year nationwide pilot of Mobile-Money services, starting in March 2021. The service enables customers to use their telecom accounts for transactions like payments for small-value goods and services, money transfers, direct deposits, and withdrawals at telecom provider outlets and transaction points throughout the country without needing a bank account, a smartphone, or an internet connection.
MIC reported that as of early May 2023, the number of customers using the Mobile-Money service had surpassed 3.9 million, marking a threefold increase compared to the same period last year. Of this figure, the number of clients situated in rural, remote, and mountainous areas exceeded 2.7 million, constituting 69% of the overall total.
Nationwide, there were 9,953 Mobile Money service points, reflecting a 12% increase since March, MIC informed. Additionally, there were 15,326 units accepting payments via Mobile Money, experiencing a slight 0.2% uptick. The total number of withdrawals, transfers, and payments conducted through Mobile Money exceeded 26.1 million, with a combined value of approximately VND 1.683 trillion (US$ 70.1 million).
As per the ASEAN Consumer Sentiment Study (ACSS) unveiled by the United Overseas Bank (UOB), Vietnamese consumers are increasingly favouring the adoption of digital banking and emerging payment methods such as mobile banking apps, e-wallets, QR code-based payments, e-commerce payment platforms, and debit or credit cards linked to mobile wallets.
Further, with the growing digital proficiency among Vietnamese consumers, there has been a significant rise in the use of mobile apps. According to the ACSS, 54% of respondents noted an increase in their usage of this channel over the past year.
As OpenGov Asia reported, Vietnam has witnessed a notable surge in online shopping and e-commerce, with an impressive annual growth rate of 41% over the last three years. This surge has resulted in an increased volume of online payments.
The study showed that the strong economic growth in Vietnam has contributed to a more positive sentiment among Vietnamese consumers, making them feel more optimistic about both the current and future economic conditions in the country. Despite the rising inflation and increased expenses that have raised fears of an economic downturn across ASEAN, consumers in the region have embraced the advent of digitalisation with enthusiasm.
Vietnamese consumers demonstrate a notably optimistic outlook on their financial future compared to counterparts in other countries. Around 76% of respondents in the study anticipate an improved financial position by June of the following year. In comparison, the corresponding figures for Indonesia and Thailand are 74% and 68%, respectively.
Regarding their concerns, Vietnamese consumers worry about their ability to save and afford essential items, maintain their current lifestyle, and provide for their parents’ financial and healthcare needs. Consequently, they are more cautious when investing.
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In a significant move towards seamless cross-border financial transactions, the Monetary Authority of Singapore (MAS) and Bank Negara Malaysia (BNM) unveiled the real-time payment systems linkage between Singapore’s PayNow and Malaysia’s DuitNow. This initiative signifies a significant leap in digital payment collaboration between the two nations.
Marking the official launch, MAS Managing Director Mr Ravi Menon and BNM Governor Mr Abdul Rasheed Ghaffour conducted live cross-border fund transfers at the Singapore FinTech Festival.
The PayNow-DuitNow linkage enables instantaneous, secure, and cost-effective peer-to-peer fund transfers and remittances between Singapore and Malaysia. This innovative system stands as the first to involve non-bank financial institutions from both countries, widening access for a larger user base.
Users of participating financial institutions can conveniently send and receive funds of up to SG$1,000 or MYR3,000 daily using the recipient’s mobile phone number Virtual Payment Address (VPA). A VPA is an identifier used by Singapore non-bank financial institutions which are uniquely linked to a person’s bank account.
The service’s rollout will occur in phases, starting with Liquid Group, Maybank Singapore, OCBC, and UOB in Singapore. These institutions will progressively expand eligible user groups until January 2024, ensuring customers become acquainted with the service. In Malaysia, CIMB, Maybank, and TNG Digital users will access the service initially, with other financial institutions joining subsequently.
The collaboration involved extensive efforts from central banks, payment system operators, scheme owners, and participating financial institutions of both countries. This milestone aims to improve the cost, speed, accessibility, and transparency of cross-border payments, aligning with the ASEAN Payment Connectivity Initiative and the G20 Roadmap for Enhancing Cross-border Payments.
MAS Managing Director Mr Ravi Menon expressed, “The PayNow-DuitNow linkage is the result of Singapore and Malaysia’s shared aspiration to facilitate seamless cross-border payments. This initiative aligns with ASEAN’s vision for regional payments interconnectivity.”
BNM Governor Datuk Abdul Rasheed Ghaffour highlighted the immense benefits of fast, secure, and cost-efficient cross-border payments for individuals and small businesses in close economic ties like Malaysia and Singapore.
“The PayNow-DuitNow linkage paves the way for shared growth and prosperity,” he remarked, emphasising its role in establishing scalable cross-border payment networks across and beyond ASEAN.
The real-time payment systems linkage follows the successful introduction of cross-border QR payments for merchants, announced earlier in March 2023.
OpenGov Asia reported that the Monetary Authority of Singapore (MAS) and Bank Negara Malaysia (BNM) had set up a way for people in Singapore and Malaysia to pay with QR codes. With this payment linkage, customers of financial institutions were able to scan NETS QR and DuitNow QR codes to make retail payments.
It will let people pay in person by scanning QR codes that stores put up, and it will also let people buy things online from other countries. The payment linkage will make it easier for merchants and customers to send and receive payments.
The NETS-DuitNow QR code payment linkage is a big step forward in the work that Singapore and Malaysia are doing together to improve cross-border payments. The average annual traffic between the two countries before the pandemic was about 12 million people.
In 2022, P2P and remittance transactions between Singapore and Malaysia amounted to SG$2.3 billion/MYR7.8 billion, showcasing the substantial impact and potential of this enhanced payment linkage.