Jakarta, Gizmology – Nutanix's latest study, the Financial Services Enterprise Cloud Index (ECI) 2025, shows that nearly all financial institutions globally have now adopted GenAI in some form. However, the report also emphasizes that the long-term success of its implementation will depend heavily on infrastructure readiness and the availability of digital talent.
GenAI is considered capable of driving operational efficiency, increasing productivity, and even opening up opportunities for new product innovation. In Indonesia, 49 percent of financial institutions prioritize GenAI to strengthen customer service, and 34 percent have already seen a positive impact. In fact, 51 percent of financial institutions in the country are already using GenAI in their daily business activities.
However, despite this enormous potential, the financial services sector also faces serious challenges. Key issues include the risk of hallucinations, algorithmic bias, data privacy breaches, and cybersecurity. Furthermore, many organizations highlight the technical capability gap in managing and securing increasingly complex AI models. This requires greater investment in secure and scalable systems, as well as increased human resource capacity.
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Infrastructure and Security Challenges in GenAI Implementation
A Nutanix survey of 1.500 IT decision-makers worldwide showed that 92 percent of respondents believe their infrastructure needs to be modernized to optimally support cloud-based and container-based applications. While many organizations have leveraged Kubernetes for AI workloads, data siloing across platforms remains a significant barrier to maximizing system efficiency.
Nutanix also reported that, in terms of security, 97 percent of respondents said they could take more steps to protect their GenAI models and applications. This issue is increasingly relevant given that many financial institutions operate in complex multi-cloud environments, with interactions between diverse technology vendors. Ninety percent of respondents cited data security across the vendor ecosystem as one of the biggest challenges that needs to be addressed immediately.
Robert Kayatoe, Country Manager of Nutanix Indonesia, stated that GenAI is a crucial pillar in the digital transformation of financial institutions. "Many organizations have already experienced its benefits, from increased work efficiency to new product innovation. However, the long-term success of implementation depends heavily on how they build a strong foundation of security and talent," he said.
Talent Shortage and ROI Challenges
In addition to infrastructure, Nutanix cited a digital talent shortage as a major obstacle to accelerating GenAI adoption. Approximately 98 percent of global respondents reported difficulties in bringing GenAI projects from development to production due to limited expertise and integration issues. Although 62 percent of organizations are now actively recruiting AI talent, internal training remains a pressing need.
Kayatoe added, "We believe the combination of hybrid multicloud and containerization will be a critical foundation for GenAI's success. These two approaches provide the flexibility, security, and scalability needed to innovate responsibly." He also emphasized that Nutanix continues to support financial institutions in Indonesia to prepare for the new AI-driven era.
From a business perspective, 58 percent of respondents expect tangible benefits from GenAI to be seen within the next one to three years. Conversely, 39 percent still anticipate potential short-term losses, both in terms of development costs and the risk of system errors. This suggests that company leaders view GenAI as a long-term strategic investment, not a quick fix.
Towards a Smart and Secure Financial Ecosystem
The Nutanix report also highlights that nearly all financial institutions now prioritize security and compliance in any AI initiative. Ninety-six percent of respondents stated that the introduction of GenAI has changed the way they view data protection, amid increasingly stringent regulatory demands from authorities in various countries.
In Indonesia, the issue of personal data protection has become increasingly relevant since the enactment of the Personal Data Protection Law. This has prompted financial institutions to review their data security and governance systems, particularly when integrating GenAI with customer service or transaction systems.
Overall, this study demonstrates that GenAI is not just a technology trend, but a catalyst for strategic transformation in the financial sector. However, to achieve optimal benefits, companies need to build robust infrastructure, develop local talent, and ensure AI implementation is ethical and responsible.
With the right combination of policies, investment in human resources, and support from a secure technology ecosystem, the Indonesian financial industry has a great opportunity to become a pioneer in implementing GenAI in the Asia Pacific region.
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