Digital Transformation in Banking Requires More Adaptive Infrastructure
The massive scale of digital transformation is driving the national banking industry to strengthen technological infrastructure that possesses not only large capacity but also the ability to adapt quickly to changing business needs.
This requirement was a central theme at the Lintasable Executive Dialogue, titled ‘Mastering Digital Infrastructure in the Intelligent Banking Era Through Bandwidth on Demand (BWoD)’, organised by Lintasarta in collaboration with Infobank in Jakarta. The forum brought together leaders from national and multinational banks within Himbara, Perbanas, and Asbanda, alongside high-ranking officials from Bank Indonesia and the Financial Services Authority (OJK). The meeting served as a strategic space to discuss digital infrastructure readiness in the face of an increasingly dynamic banking industry.
One of the primary challenges facing the banking sector is the fluctuation in technological capacity requirements, which can occur suddenly and unexpectedly. Periods such as month-end, year-end closing, payroll processing, disaster recovery, and the launch of new applications can significantly increase connectivity capacity needs.
To address these needs, Lintasarta introduced its Bandwidth on Demand (BWoD) solution, which enables banks to adjust bandwidth capacity more flexibly and independently. This solution offers capacities of up to 1 Gbps in technically ready areas, the ability to increase or decrease capacity as required, and self-service capabilities via the Ultima Super App.
Armand Hermawan, President Director & CEO of Lintasarta, stated that banking digitalisation requires infrastructure capable of following business changes rapidly. “Digital infrastructure is not enough to just have large capacity; it must be able to adapt quickly, flexibly, and in a measurable manner,” said Armand.
According to Armand, banking capacity can fluctuate during month-end, year-end closing, payroll processing, disaster recovery, application launches, and unscheduled events. Therefore, connectivity needs to evolve from fixed infrastructure to something more adaptive. This transformation must be supported by four key capabilities: agility in responding to change, scalability in adjusting capacity, resilience in maintaining reliability, and readiness to face peak events, disaster recovery, and regulatory demands.
Through BWoD, Armand noted that after the initial setup process, subsequent bandwidth changes can be performed independently via Ultima without manual ordering or new installations. Capacity can be adjusted based on the subscribed service, with support up to 1,000 Mbps on certain tiers. “We want to provide agility to banks to manage connectivity capacity according to their operational needs,” said Armand.
BWoD is one of the implementations of Lintasarta’s Intelligent Core, which integrates customers, the Ultima Super App, the Intelligent Core Engine, and the core network in a process that supports real-time execution and autonomous decision-making. This approach allows connectivity management to be performed more quickly and automatically.
In the initial phase, BWoD will be available in 84 cities across Java by 2026, with coverage expanding gradually towards a national scale. “This innovation strengthens our commitment as a digital infrastructure partner for banking, providing connectivity that is more adaptive to business needs,” concluded Armand.
Sophia Isabella Wattimena, a member of the OJK Board of Commissioners for the 2022-2026 period, emphasised the importance of strengthening technological infrastructure to support banking digital transformation. “The digital transformation of banking must go hand-in-hand with the strengthening of technological infrastructure capabilities. Reliability, security, risk management, and the ability of infrastructure to support industry needs are becoming increasingly important,” she concluded.