CLIK x Astra Digital Integration Workshop: Risk Management Strategies to Face 2025 Economic Challenges

Amid global economic uncertainty and domestic market shifts, strong risk management has become a key element in maintaining stability and supporting sustainable growth in the financial sector. CRIF Lembaga Informasi Keuangan (CLIK Credit Bureau) and Astra Integrasi Digital (AID) held a strategic workshop on April 10-11, 2025, at The Gaia Hotel in Bandung, focusing on strengthening risk management through digital innovation and advanced data analysis.

Risk Management as the Foundation of Financial Sector Stability

Reinforcing risk management is a critical step in helping financial institutions stay resilient against market volatility and operational challenges. The key risks faced include credit, liquidity, operational, market, legal, and reputational risks.

The financial sector plays an essential role in channeling funds, supporting business growth, and maintaining public trust. Strong risk management helps minimize potential losses, enhances resilience against economic shocks, and ensures business continuity. It also reflects compliance with international standards and local regulations from the Financial Services Authority (OJK) and Bank Indonesia—an important part of good governance and trust-building.

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CLIK and Astra Strengthen Risk Management Amid 2025 Economic Outlook

In response to the economic challenges of 2025—marked by market volatility, interest rate fluctuations, and technology-related risks—CRIF Lembaga Informasi Keuangan (CLIK Credit Bureau) collaborated with Astra Integrasi Digital to host an intensive workshop focused on enhancing financial risk management strategies.

Through data-driven approaches and market insights, the workshop served as a strategic forum for Astra Financial business units to discuss practical solutions in managing credit, liquidity, operational, and investment risks. This collaboration highlights the shared commitment of CLIK Credit Bureau and Astra to building a more resilient and competitive financial system amid global uncertainty.

Financial Experts Share Insights at the Workshop

The workshop brought together experts and key stakeholders from financial and technology sectors to share their perspectives on the opportunities and challenges facing the financial industry in 2025. Speakers and topics included:

• Fithra Faisal (Economic Adviser / Chief Economist)
  Presented Indonesia’s 2025 macroeconomic outlook, including growth projections and global market trends.
• Rico Frans (Chief IT and Digital Analytics, PT XL Axiata Tbk.)
  Discussed the challenges and opportunities in the digital economy and the importance of data in business decision-making.
• Lucky Herviana (Chief Digital Transformation Officer, CLIK Credit Bureau)
  Shared strategies for digital-based risk management to strengthen financial sector resilience amid market volatility.
• Kiril Odintsov (Chief Risk Officer, Skor Technologies)
  Explained the role of external data optimization in improving risk management effectiveness in financial institutions.

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Banking Sector Outlook in Indonesia for 2025–2026

Indonesia’s banking sector outlook for 2025–2026 shows promising growth potential, supported by a stable economy (5.1 – 5.5%), increased digitalization, financial inclusion, and expanding MSME lending. Policies from Bank Indonesia and OJK, along with shifting customer behaviors, will continue to shape industry dynamics.

Looking ahead to 2026, banks are expected to focus on digital efficiency, stronger cybersecurity, and sustainable financing (green banking), supported by government incentives. However, global uncertainty and evolving regulations will require faster adaptation and service quality improvements to maintain customer trust.