As part of our course Current Digital Business, Disruption, and Future Trends, we hosted Pak Junedy Liu, VP of SeaBank, on 16 May 2025. He delivered an insightful session that helped students see how digital transformation is unfolding inside one of Indonesia’s most active digital banks.

Junedy opened the session by sharing how Indonesia’s financial landscape has evolved. Even with more than 100 banks operating in the country, over 90 million people still do not have a bank account, which creates a major opportunity for digital banking to close the gap . He explained how mobile adoption and online onboarding have changed how banks attract and serve customers.

Students were walked through SeaBank’s shift from a legacy institution to a mobile-first digital bank. Junedy outlined how digital processes allow the bank to offer faster account opening, real-time transactions, user friendly interfaces and more cost efficient operations. These savings translate into higher interest, lower fees and simple, accessible financial services for customers .

He also discussed SeaBank’s business model, highlighting how ecosystem integration plays a central role. Shopee, online marketing channels, referrals and partnerships all support user acquisition at scale. He explained how daily interest features, payment tools and savings products are designed to meet customer needs while keeping the experience simple .

A core part of the lecture focused on digital lending. Junedy showed how SeaBank collaborates with ecommerce ecosystems and financing partners to deliver small ticket loans with shorter tenors and near real time approvals. These products support buyer purchasing power and help SMEs manage cash flow and working capital.

Toward the end of the session, he shared user reviews and several recognitions that SeaBank received in 2024, including strong ratings on app stores and awards for digital banking service excellence. These achievements reflect the bank’s focus on user experience and continuous improvement .

This lecture gave students a practical view of how digital business strategy is applied in a real organization. It connected course concepts with real world execution and helped students understand how digital banking innovations influence consumer behavior, competition and the broader economy.