Hilman Palaon Hilman Palaon is a Project Director for e-MITRA and is based in Jakarta, Indonesia. By Hilman Palaon Blog29 January 2014 The Case for Branchless Banking in Thousand Islands, Indonesia In Thousand Islands, Indonesia, financial access is virtually nonexistent. Since most residents have mobile phones, the introduction of branchless banking could bridge the access gap and help improve the lives of the islands' residents.