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Michael Lukman

Principal & Managing Director, Gen Advisory Pty Ltd

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 principal and 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 proprietor and 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,  2000 to 2002

Senior Consultant, Corporate Finance ​

Other Positions

FinMango (pro-bono) - 2019 to present

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


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



  • Jakarta, Indonesia 

  • Sydney, Australia

Core Competencies

  • Australian, Indonesian and international financial sectors

  • Banking and FinTech sub-sectors

  • Regulation of ADIs and FinTechs

  • International regulatory best practices

  • Regulatory sandboxes

  • Sustainable finance

  • Project management

  • Industry research and analyses

  • Training and capacity building

  • Company directorship

Professional memberships

  • Australian Institute of Company Directors (AICD)

  • Australian-British Chamber of Commerce (ABCC)

  • Indonesian Diaspora Global Network (IDGN)

Additional Information

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

Favourite Quote

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

- Ray Bradbury

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