The material on this site is for financial institutions, professional investors and their professional advisers. It is for information only. Please read our Terms & Conditions, Privacy Policy and Cookies before using this site. Please see our Subscription Terms and Conditions.

All material subject to strictly enforced copyright laws. © 2022 Euromoney, a part of the Euromoney Institutional Investor PLC.

Social media and banking: The perils of Gramming

Our research for this 50th anniversary edition for Asia took us all over the region, but we didn’t expect it to take us to an Indonesian version of carpool karaoke.


Kartika Wirjoatmodjo, chief executive of Mandiri and known to all as Pak Tiko, is a great believer in using technology and social media to get messages to his staff. 

So, for example, he once recorded his message in the format of a popular Indonesian TV programme called ‘The midnight show’ (rebadging it ‘The Mandiri show’ for the occasion) with one of Indonesia’s most famous comedians hired to conduct the interview. 

“It’s so I can relate to my employees in a more informal setting,” Tiko says.

But our favourite was his decision to use the carpool karaoke format. Euromoney hears he performed ‘A million dreams’, the song from ‘The greatest showman’, as well as something by Coldplay. 

It seems to be working. At least 70% of Mandiri employees follow his Instagram account, which helps when he goes to more remote branches to meet staff. 

“Because they feel like they know me personally, they come to me in a warm and unassuming way,” he says.

“Sometimes, in a branch, I have to stop people coming out of their teller booths to take selfies with me while there are still customers queueing.”

You have reached premium content. Please log in to continue reading.

Read beyond the headlines with Euromoney

For over 50 years, our readers have looked to Euromoney to stay informed about the issues that matter in the international banking and financial markets. Find out more about our different levels of access below.


Unlimited access to and

Expert comment, long reads and in-depth analysis interviews with senior finance professionals

Access the results of our market-leading annual surveys across core financial services

Access the results of our annual awards, including the world-renowned Awards for Excellence

Your print copy of Euromoney magazine delivered monthly

£73.75 per month

Billed Annually


Unlimited access to and, including our top stories, long reads, expert analysis, and the results of our annual surveys and awards

Sign up to any of our newsletters, curated by our editors


Already a user?

We use cookies to provide a personalized site experience.
By continuing to use & browse the site you agree to our Privacy Policy.
I agree