Government policy can maintain the inflation rate around 3% now and then they can stabilise the exchange rate. US dollar to rupiah around 14,000. This is very important for the investor point of view, and also for the locals, because most of the raw materials we have to import it's valued in US dollars. And with the target of government, next year, 2020, 5.3%. The global growth is only around 2.9% growth rate. So we can exceed the global world growth and I believe that we can have a sustainable growth in the next ten years starting from 2019. New technology has to be in place because you see fintech started to come into the market.

It is proven that 98% of the total transactions in BCA is already through digital and non-bank transactions. They use all the digitalised applications, they use internet banking for all the transaction, they use ATM machines outside of the branch. That's proving that people would quite fast adopt new technology. Today, on average, we can have about 30m transactions a day. It's been growing from around 25m last year. The fintech companies, they are strong on providing a platform, and customers would also like to use this platform to have many options to get services.

All the fintechs should have a bank account. We try to cooperate with them. That makes it a win-win situation. I'm very excited. With the economy of Indonesia, I believe that Indonesia can establish growth in the future. Retail, fashion, food and tourism infrastructure are the sectors that are very prospective inviting the foreign investors to come to Indonesia.