The Indonesian financial services market has enormous potential. However, financial institutions face increasing regulation, growing risk considerations, disruptive technologies, shrinking margins, and rising cost levels. All are challenges to growth. Sophisticated strategies and solutions will be required for financial institutions to gain a competitive edge. PwC professionals assist many of today's largest financial services firms with their most challenging issues in every segment of the financial industry: consumer/retail banking, commercial banking, multi-finance, securitisation, capital markets, insurance, investment management, broker/dealer and real estate.