The pandemic, new technologies, and growing awareness of data privacy have created the perfect storm for the next wave of "tech awakening." How do we ensure that this time it can bring Indonesia closer to an inclusive society for decades to come?

Niki Luhur was the CEO of Kartuku between 2006 to 2015. It was the first company in Indonesia to successfully integrate the country's major banks and several large retailers into a fully supported payment network. Now the chairman of the Indonesia Fintech Association (AFTECH), he is a prominent figure in Indonesia's fintech industry. His latest venture, VIDA focuses on empowering people with access to secure and easy-to-use digital identities.

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