DIAT HADIATULLAH, an employee of a foreign-owned company in Jakarta, was surprised when he received a MasterCard from ANZ-Panin Bank. He had never applied for the card. He was not alone. Nearly everyone in his office received the same card.

No surprise. Most major banks in Indonesia are going all out to lure customers not only at their workplaces and homes, but even at shopping malls. Go to a shopping plaza or any shopping center and you wil