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Michael Lukman

Professional profile

Michael  brings over 20 years' international financial sector advisory and regulation experience, having previously worked at: the Australian Prudential Regulation Authority (APRA); National Australia Bank (NAB); and Ernst & Young (EY).

Michael previously also served as the Australian Government-backed Financial Sector Regulation and Supervision Adviser in Indonesia. And as an Advisory Board Member of FinMango - a US s501(c)(3) non-profit organisation whose mission is to address economic inequality through opportunity.

Since 2018, Michael has been the  managing director of  Gen Advisory Pty Ltd - a niche Australian professional services firm supporting organisations wishing to operate in the Australian financial sector and/or broader Indonesian economy.  Within Australia, Gen Advisory's clients to date have included some of Australia's leading FinTechs. Michael is also the director of PT. Generasi Lukman Indonesia - Gen Advisory Pty Ltd's Jakarta-based sister company in Indonesia..

Michael holds a Bachelor of Commerce (Management) and Masters in Accounting from Monash University (Melbourne, Australia). Michael also holds an Executive Certificate in “Rethinking Financial Inclusion” from the Harvard Kennedy School (Cambridge, USA).

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Career Summary

Gen Advisory Pty Ltd - 2018 to present

Principal & Managing Director

Australian Government (AIPEG) - 2014 to 2018

Financial Sector Regulation & Supervision Adviser, Indonesia

Aust Prudential Regulation Authority (APRA) - 2005 to 2012

Banking regulator - Diversified Institutions Division

National Australia Bank - 2002 to 2004 

Project Analyst for Wealth Management

Ernst & Young, Corporate Finance - 2000 to 2002

Senior Consultant 

Other Positions

FinMango (pro-bono) - 2019 to 2023

Advisory Board member of FinMango - a US s501(3)(c) organisation whose mission is to address economic inequality through opportunity.

PT. Generasi Lukman Indonesia - 2023 to present



  • Jakarta, Indonesia 

  • Sydney, Australia 

Tertiary Education

Harvard Kennedy School (Cambridge, USA)

Executive Certificate in "Rethinking Financial Inclusion": 5-day, on-campus executive program held at the John F. Kennedy School of Government, Harvard University (Cambridge, USA). 

Monash University (Melbourne, Australia)

Masters in Accounting

Monash University (Melbourne, Australia)

Bachelor of Commerce (Management)

Trinity College (Melbourne, Australia)

Year 12

Professional memberships

  • Australian Institute of Company Directors (AICD)

  • Australian-British Chamber of Commerce (ABCC)

Core Competencies

  • Australian, Indonesian and international financial sectors

  • Banking and FinTech sub-sectors

  • Regulation of banks and FinTechs

  • International regulatory best practices

  • Regulatory sandboxes

  • Consumer Data Right (CDR) use cases

  • Project management

  • Industry research and analyses

  • Training and capacity building

  • Company directorship

Additional Information

  • Languages: English (first language); conversational Indonesian.

Favourite Quote

'Love what you do, do what you love.'

- Ray Bradbury

As featured in
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