For Indonesia, it is interesting trying to reveal consumer preferences before and after the Covid-19 pandemic.

The use of digital technology makes a bank more sophisticated. However, It is like riding a tiger that can make us great, but if we do not take good care of it, the tiger can turn and pounce on us.

The establishment of BUMDes is not only measured by financial performance such as turnover and profit but also from social point of increasing citizen participation and its contribution to environmental preservation.

Whoever the president is, we will face the same challenge, namely how to get out of the middle-income country trap. Therefore, strategies, policies and work programs need to be sustainable.

As many as 12,510 villages or 15.32 percent of the total 81,616 villages in Indonesia are located in coastal areas. About 90 percent of the coastal villages rely on fish resources as the main livelihood of the population

To become a developed country, Indonesia needs to increase its economic complexity index to at least become the world's top 10 in the next 10 years. A detailed derivative strategy is needed.

Indonesia has little exposure to SVB. Nevertheless, vigilance must still be increased by continuing to pay close attention to various domestic and foreign micro-banking and macroeconomic indicators.

Machines with increasingly sophisticated AI are a necessity. We also need to prepare ourselves to live side by side with machines that are getting smarter and use them as tools to achieve the benefit of mankind.