Banks are entering a period in which cyber defense is no longer a back-office concern. AI-driven deepfakes and generative phishing are now shaping the scale of risk, and the issue is reaching beyond data theft into trust, operations, and financial system resilience.
That pressure took center stage at the CxO Forum Banking Update 2026 in Jakarta, where Lintasarta and PERBANAS brought together bank leaders, regulators, and technology players to discuss cybersecurity as a core pillar of digital banking transformation. The message from the forum was clear: faster innovation also means faster and more complex attacks.
AI is expanding the threat landscape
Artificial intelligence is helping financial services move faster, but it is also widening the attack surface. At the forum, the risks highlighted included ransomware, advanced persistent threats (APT), deepfake, and generative phishing that uses AI to make fraud attempts look more convincing.
Armand Hermawan, President Director & CEO of Lintasarta, said the same technology that accelerates innovation also multiplies the scale and complexity of risk. He stressed that cybersecurity must operate together with connectivity, cloud, and AI capabilities in one real-time ecosystem.
That framing reflects a shift in how the industry views digital threats. Cyberattacks are no longer treated as isolated technical disruptions, but as direct challenges to service continuity and institutional credibility.
Trust has become a banking asset
From the industry side, PERBANAS said digital security has become central to maintaining customer relationships. Hendra Lembong, Vice Chairman of PERBANAS, said public trust depends on a bank’s ability to keep its systems safe.
He also warned that cyber threats are not a distant issue anymore. They are part of daily reality for financial institutions, which means digital growth must be matched by stronger protection on every service channel.
That concern is especially relevant as banks push deeper into digital transformation. Faster services matter, but customers also need confidence that the systems behind those services can resist increasingly sophisticated attacks.
A 4C model for digital resilience
To answer that challenge, Lintasarta introduced an integrated 4C approach built around Connectivity, Cloud, Cybersecurity, and Collaboration. The model is designed to help banks build digital transformation that is secure and ready for enterprise-scale AI demands.
Armand described Lintasarta not only as a digital infrastructure provider, but also as a strategic partner for operational resilience in a fast-changing technology environment. The approach signals that security must be built into the foundation of banking systems, not added later as a separate layer.
The 4C framework also shows how broad the response now needs to be. Connectivity, cloud computing, protection, and industry collaboration all have to work together if banks want systems that can better withstand modern attacks.
Security as an investment, not a cost
The forum also positioned digital protection as more than an operating expense. Lintasarta said the ability to protect digital systems is a key foundation for supporting the vision of Indonesia Emas 2045.
Armand said Lintasarta is committed to ensuring that transformation moves forward on a sovereign and secure foundation. That view places cybersecurity inside the business growth strategy, rather than treating it as a narrow technical safeguard.
For banks, the urgency is obvious because AI-enabled threats can take many forms and move quickly. Deepfakes can be used to manipulate identity, while generative phishing can create fake messages that look authentic enough to mislead both users and older security systems.
As digital banking continues to expand, resilience is becoming a deciding factor for the stability of the national financial system. That is why banks are being pushed to treat cybersecurity as a business priority tied directly to service delivery, customer trust, and readiness for more complex AI-driven threats.
