Why technology alone isn’t enough: Maybank’s vision for the future

Charles Budiman, Chief Digital Officer at Maybank, will speak at the Qorus Reinvent Forum Dubai 2025. He spoke with Raheel Vakeel from Qorus about the challenges of digital transformation and shared his vision for the future.

Can you introduce yourself and give a brief overview of Maybank for those who may not be familiar with banks in the ASEAN region?

My name is Charles Budiman, and I have more than 28 years of professional experience in both the banking and management consulting industries. I currently lead the Digital Banking business at Maybank Indonesia, where I am responsible for driving end-to-end digital banking strategy, customer experience, and innovation across our retail and non-retail segments. Before becoming a banker, I worked as a management consultant for several reputable firms, mainly in Europe—I lived in the Netherlands for about 17 years. Outside of work, I’m a marathon runner and a certified running coach, and I often draw parallels between long-distance running and digital transformation—both require clarity of purpose, discipline, and unwavering focus on people.

Maybank is one of the largest financial institutions in the ASEAN region, with a presence in 18 countries and more than 45,000 employees globally. We serve over 28 million customers and are consistently recognized for our leadership in digital banking, customer experience, and sustainability.

Across the region, Maybank operates with a clear purpose: “Humanising Financial Services.”

This philosophy guides everything we do—from product design to customer support to the way we build technology. It ensures that even as we digitize, we never lose sight of the human needs that banking exists to serve.