BankTech Asia 2025: Jakarta Series
The BankTech Asia 2025 Conference: Jakarta Series conference emerged as a groundbreaking platform that transcended traditional banking paradigms, examining the expansive landscape of financial technology and its impact beyond conventional business boundaries. With a visionary approach, the conference aimed to redefine the future of banking by exploring innovative technologies, disruptive trends, and strategic collaborations reshaping the financial industry.
The conference sessions navigated beyond traditional banking spheres, embracing diverse themes such as FinTech innovations, cybersecurity, AI-driven transformations, and the fusion of technology with customer-centric approaches. Moreover, the discourse expanded into the realms of sustainability, regulatory compliance, and the ethical dimensions of FinTech evolution.
Registration of 5th Annual Conference and Exhibition BankTech Asia 2025: Jakarta Series
Panel Discussion: Embedded Finance Excellence: Redefining Banking in the Digital Age
- Learn the transformative power of embedded finance, where financial services seamlessly integrate into
non-financial ecosystems. - Discover how BankTech innovation empowers institutions to embed finance, unlock new revenue streams,
and forge deeper customer relationships.
Moderator:
Lakshitha Jayaweera
Vice President, Information Technology and Infrastructure, Citi, Sri Lanka
Speaker:
Dwitil Mahimkar
Senior Vice President and Regional Product Manager, Liquidity & Investment Product Management, Global Payment Solutions, Asia Pacific HSBC, Hong Kong
Ajay Kapoor
Division Head of IT, Bank of India Indonesia, Indonesia
Opening Remarks by Selva Nagappan, Organizing Chairman, 5th Annual Conference and Exhibition BankTech Asia 2025: Jakarta Series and Managing Director, Knowledge Group of Companies
Selva Nagappan
Organising Chairperson, BankTech Asia 2025 - Jakarta Series
C-Suite Insight: The Future of Digital Banking in Indonesia – Advancing Financial Inclusion and Monetary Innovation
- The potential of digital banking innovations to accelerate financial inclusion and empower businesses and individuals.
- The impact of digital transformation on monetary policy, economic growth, and Indonesia’s broader national agenda.
- Strategies to build a secure, inclusive, and future-ready financial ecosystem through collaboration between regulators, banks, and fintech players.
Sonny Supriyadi
Chief Data Officer, Maybank, Indonesia
Morning Refreshment and Exhibition Walkabout
Fireside Chat: Data Analytics Mastery: Driving BankTech Innovations with the Advancements of AI
- Discover the crucial role played by advanced analytics in reshaping the contours of the financial landscape and how AI is affecting them as a whole.
- Highlighting the transformative power of data analytics combined with the advancement of AI in refining decision-making processes, optimizing operations, and unlocking strategic advantages in the ever-evolving realm of BankTech.
Moderator:
Lakshitha Jayaweera
Vice President, Information Technology and Infrastructure
Panelist:
Alex Song
Chief Revenue Officer, WIZ.AI, Singapore
Panel Discussion: Asia’s Payment Revolution: Pioneering the Shift to Cashless Economies
- This panel dissects Asia’s leading role in spearheading the movement towards cashless societies.
- Explore drivers propelling Asia’s advancements in payment methods and discuss the advantages and
hurdles linked to the shift from cash-based transactions.
Moderator:
Rocky Tung
Director and Head of Policy Research, Financial Services Development Council, Hong Kong
Panelists:
Martin Sendra
Head of Platform Partnership, OCBC, Indonesia
Haryo Teguh Putranto
Head of KAM Integrated B2B, Samsung Electronics Indonesia, Indonesia
Networking Luncheon and Exhibition Walkabout
The Power of Innovation in Banking: Transforming Corporate Treasury Through Digital Advancements
- Learn how your treasury team can manage their liquidity needs and access data around the world to
enhance cash visibility, optimise cash flow forecasting, consolidate excess cash and automate investment
activity - Innovative digital tools offered by Financial Institutions to enhance real-time visibility and reporting on
global cash positions to help Corporate Treasurers to improve liquidity and funding decisions.
Dwitil Mahimkar
Senior Vice President and Regional Product Manager, Liquidity & Investment Product Management, Global Payment Solutions, Asia Pacific, HSBC, Hong Kong
Panel Discussion: Asset Tokenization: Transforming Financial Markets for a Digital Future
- How blockchain enables accessibility, divisibility, and seamless trading of digital assets.
- Lowering barriers through fractional ownership, enhancing liquidity, and transforming global financial
markets.
Moderator:
Ajay Kapoor
Division Head of IT, Bank of India Indonesia, Indonesia
Panelist
Lakshitha Jayaweera
Vice President Information Technology, Citi, Sri Lanka
Martin Sendra
Head of Platform Partnership, OCBC, Indonesia
Embodying Digital Transformation for a Future-Proof BankTech Sphere
- Explore the strategic initiatives and transformative frameworks that financial institutions must adopt to embrace the full spectrum of digital advancements.
- Decode the essence of digital transformation as the cornerstone for a resilient and future-proof BankTech future.
Bobby Sacagiu
Executive Director Deputy, Head of Solutions Architecture, Cybersecurity, Digital Transformation, DBS Bank, Singapore
Panel Discussion: Elevating Banking Experiences: Strategic Insights into the Digital Banking Frontier
- Dissect the dynamic landscape of digital banking, emphasizing strategic insights for financial institutions
seeking to harness the full potential of digital advancements. - The discussion will unearth the imperative of adopting digital strategies to enhance customer experiences,
streamline operations, and fortify the resilience of banking ecosystems.
Moderator:
Dwitil Mahimkar
Senior Vice President and Regional Product Manager, Liquidity & Investment Product Management, Global Payment Solutions, Asia Pacific HSBC, Hong Kong
Panelists:
Firdila Sari
Director, Digital Banking, Bank Aladin Syariah, Indonesia
Dandy Masyaril Handoko
Executive Vice President Data and Digital Product, Bank Neo Commerce, Indonesia
Evening Refreshment and End of Day One BankTech Asia 2025: Jakarta Series
Registration of 5th Annual Conference and Exhibition BankTech Asia 2025: Jakarta Series
Panel Discussion: Navigating the ESG Landscape in Sustainable Investments
- Discuss how incorporating Environmental, Social, and Governance (ESG) criteria into investment decisions
promotes long-term value creation and risk management. - Analyze the challenges and opportunities for investors in navigating regulatory frameworks and measuring
the tangible impact of ESG-aligned investments.
Moderator:
Dr. Indah Budiani
Executive Director, Indonesia Business Council for Sustainable Development, Indonesia
Panelist:
Rocky Tung
Director and Head of Policy Research, Financial Services Development Council, Hong Kong
Dr. Elvi Nasution
Country Head Indonesia, ING, Indonesia
Panel Discussion: Redefining Finance: The Transformative Duo of Blockchain and Generative AI
- Discuss how blockchain and generative AI can complement one another to tackle inefficiencies, enhance
security, and improve scalability in financial systems - Examine how these technologies are transforming areas like fraud detection, transaction processing, data
analysis, and customer personalization.
Moderator:
Erikman Daniel Pardamean
Partner, Technology Risk Consulting, RSM Indonesia and Chapter Secretary, ISACA Indonesia Chapter, Indonesia
Panelist:
Bobby Sacagiu
Executive Director Deputy, Head of Solutions Architecture, Cybersecurity, Digital Transformation, DBS Bank, Singapore
Lars Rottweiler
Co-Founder and Chief Technology Officer, Mbanq, United States of America
Morning Refreshment and Exhibition Walkabout
Panel Discussion: Fortressing the Future: Building Resilience Against Cyber Threats in the BankTech Ecosystem
- Discuss how integrating cybersecurity measures with advanced fraud detection systems creates a
multi-layered defense against evolving threats. - Explore the importance of partnerships between banks, technology providers, and regulators to develop industry-wide standards and share threat intelligence.
Moderator:
Hendro
Director of Digital Trust and Privacy, Deloitte, Indonesia
Panelist:
Makhadir Mukhamad
Vice President, Head of IT, Digital and Cyber Risk Management, Bank Tabungan Negara, Indonesia
Wahyu Agung Prasetyo as a Panelist
Head of IT and Cyber Risk Management, Bank Mega, Indonesia
AI in Banking: Unlocking Innovation for Southeast Asia
- Unlocking growth through hyper-personalized services and embedded finance.
- Achieving new levels of efficiency with AI-powered fraud detection, lending automation, and dispute resolution.
- Expanding financial inclusion via AI-driven microfinance and multilingual local support.
Lars Rottweiler
Co-Founder and Chief Technology Officer, Mbanq, United States of America
Networking Luncheon and Exhibition Walkabout
Fireside Chat: Security by Design: Embedding Cryptographic Controls into Banking System Architectures
- How to build banking systems where data is always protected—whether it’s stored, in use, or in transit—using strong encryption and secure communication.
- How key management and secure hardware (like Intel SGX) can control access, protect sensitive operations, and reduce the risk of breaches.
Gimin Leung
Chief Executive Officer, Sandhiguna, Indonesia
Panel Discussion: Redefining Financial Services with Hyper-Personalized Consumer Experiences through
Generative AI
- Discuss how Gen AI can create tailored consumer journeys, from personalized product recommendations to
dynamic financial planning based on individual needs. - Analyze the scalability and operational challenges of integrating Gen AI technologies into existing financial
systems and platforms.
Moderator:
Erikman Daniel Pardamean
Partner,Technology Risk Consulting, RSM Indonesia and Chapter Secretary, ISACA Indonesia Chapter, Indonesia
Panelist:
Alex Song
Chief Revenue Officer, WIZ.AI, Singapore
Bobby Sacagiu
Executive Director Deputy, Head of Solutions Architecture, Cybersecurity, Digital Transformation, DBS Bank, Singapore
Fireside Chat: Financial Sustainability: Green Finance in Shaping a Low-Carbon Economy
- Highlight the importance of aligning financial sector strategies with global climate goals to promote a low-carbon economy.
- Explore how innovative instruments like green bonds, carbon credits, and sustainability-linked loans are
unlocking funding for businesses and governments committed to reducing their carbon footprint.
Moderator:
Dr. Elvi Nasution
Country Head Indonesia, ING, Indonesia
Panelist:
Jenny Hadikusuma
Head of Sustainability, UOB, Indonesia
Panel Discussion: RegTech Revolution: Navigating Regulatory Compliance for BankTech Excellence
- Discuss how advanced technologies like GenAI, quantum computing, and blockchain streamline
compliance processes, from real-time monitoring to automated reporting. - Highlight the benefits of reducing compliance costs and minimizing errors while staying ahead in an
increasingly complex regulatory environment. - Explore how RegTech solutions not only ensure compliance but also drive strategic growth by enabling
banks to focus on customer-centric innovations.
Moderator:
Hendro
Director of Digital Trust and Privacy, Deloitte, Indonesia
Panelist:
Albertus Hendro
Compliance Specialist, Bank Jago, Indonesia
Dr. Fandhy Haristha Siregar
Head of Synergy, Indonesia Risk Management Professional Association, and Head of Cybersecurity Governance and BISO, FWD Insurance, Indonesia
Evening Refreshment and End of BankTech Asia 2025: Jakarta Series
Our Speakers
Sonny Supriyadi
Chief Data Officer, Maybank
Sonny Supriyadi
Chief Data Officer, MaybankSonny is a seasoned professional and has led Pricing and Data Analytics projects/transformations in Asia, Europe and North America. Sonny returned to Indonesia in July 2019 after spending 20 years living and working in the UK. His current responsibility at Maybank Indonesia is to lead and manage a team of data scientists, market. researchers, pricing specialists, and Data Governance, developing a relatively new Division to convert data into meaningful and actionable insights for the Bank to better serve its customers
Lars Rottweiler
Chief Technology Officer, FinLink Incorporated
Lars Rottweiler
Chief Technology Officer, FinLink IncorporatedLars Rottweiler is the CTO and co-founder of Mbanq, a globally leading banking technology and embedded finance provider. Mbanq creates and operates banks, neobanks and FinTech platforms for clients through its digital banking platform, white-label mobile apps, and comprehensive support services. Mbanq stands out for its exceptional regulatory prowess, modern technology and industry-specific solutions, extending embedded banking benefits to a diverse clientele, from retail brands to sports teams. Previously, Lars served as Managing Director at Deutsche Bank and held senior roles at PwC, Accenture, and Infosys. Recognized as a prominent digital finance influencer, Lars is a distinguished speaker, having lectured at prestigious institutions including Stanford University and the University of Liechtenstein, solidifying his global reputation as a banking industry expert.
Firdila Sari
Director of Digital Banking, Bank Aladin Syariah
Firdila Sari
Director of Digital Banking, Bank Aladin SyariahFirdila Sari is the Digital Banking Director at Bank Aladin Syariah, Indonesia’s pioneering sharia digital bank. With over 15 years of experience across global and local financial institutions, including HSBC, Commonwealth Bank, and OVO, she brings a deep expertise in product innovation, digital transformation, and inclusive financial services. Firdila has led end-to-end strategies in digital banking, mobile platforms, and ecosystem partnerships, playing a key role in shaping Indonesia’s fintech and banking landscape.
Haryo Teguh Putranto
Head of KAM Integrated B2B, Samsung Electronics Indonesia
Haryo Teguh Putranto
Head of KAM Integrated B2B, Samsung Electronics IndonesiaHaryo Teguh Putranto is a business and technology professional with over 18 years of experience. Currently serving as Head of Key Account Management – Integrated B2B at Samsung Electronics Indonesia, he combines a strong technical background with a sharp focus on sales strategy and enterprise growth. He has led impactful B2B campaigns that have strengthened Samsung’s position in key sectors like banking, government, and corporate. Haryo has also represented Samsung in national forums such as the Fordigi Summit and Smart City events, highlighting how mobile solutions can accelerate digital transformation. His work reflects a consistent focus on delivering results, building strategic partnerships, and creating real business impact.
Dr. Elvi Nasution
Country Head Indonesia, ING
Dr. Elvi Nasution
Country Head Indonesia, INGElvi is the Country Manager for ING Bank in Indonesia, who has an extensive of experience in sustainable finance and just energy transition. With a diverse career spanning banking, development banks, and the real sector across the USA, Switzerland, and Singapore, Elvi's expertise shines through. Holding senior management positions at ING Bank, National Australia Bank (NAB), Natixis Bank, SMBC, and the World Bank Group, Elvi's leadership is backed by over 25 years of experience. Elvi's educational background is equally impressive, with an MSc degree from the London School of Economics (LSE) and a doctorate degree in finance from UPH. An advocate for renewable energy policies in Indonesia, Elvi has played a pivotal role in significant infrastructure and renewable energy financing transactions in the country.
Gimin Leung
Chief Executive Officer, PT. Sandhiguna Widya Proteksi
Gimin Leung
Chief Executive Officer, PT. Sandhiguna Widya ProteksiGimin leads Sandhiguna, Indonesia’s premier innovator in cryptographic security, where he drives the development of secure, locally engineered encryption solutions. Under his leadership, Sandhiguna’s flagship product, SG-KMS, has become a trusted, Common Criteria-certified key management system adopted by financial institutions and government agencies. With a strong focus on regulatory compliance, data privacy, and cybersecurity resilience, Gimin works closely with stakeholders across sectors to build secure, future-ready digital infrastructures. He is a forward-thinker in quantum-safe cryptography, actively championing the adoption of Post-Quantum Cryptography (PQC) and exploring the long-term potential of Quantum Key Distribution (QKD) for ultra-secure communications. At BankTech Asia 2025 – Jakarta Series, Gimin will speak on the panel “Fortressing The Future: Building Resilience Against Cyber Threats in the Banktech Ecosystem,” offering insights on encryption strategies, cyber risk mitigation, and how institutions can prepare for the quantum era.
Dwitil Mahimkar
Senior Vice President and Regional Product Manager, Liquidity & Investment Product Management, Global Payment Solutions, Asia Pacific, HSBC
Dwitil Mahimkar
Senior Vice President and Regional Product Manager, Liquidity & Investment Product Management, Global Payment Solutions, Asia Pacific, HSBCChartered Account by profession, with seventeen years of diversified experience in Leadership, Strategy, Business Development & Individual contributor roles covering Transaction Banking, Securities Services, Liquidity & Balance Sheet management across two continents i.e. Asia and Africa. Skilled in Cash Management, Electronic Payments, Security Services, Fund Accounting, Liquidity and Investment Solutions currently working as Senior Vice President driving Digitization for Liquidity & Investment tools offered by HSBC based out of Hong Kong for Asia Pacific region. As a Liquidity & Investment product specialist, with the aim to offer best in class End to End Liquidity Management
Alex Song
Chief Revenue Officer, WIZ.AI
Alex Song
Chief Revenue Officer, WIZ.AIAlex Song is the Chief Revenue Officer (CRO) of WIZ Holdings Pte., Ltd, where he oversees all daily operations and business activities to drive growth and ensure excellence. Under his leadership, WIZ.AI now has over 300 business clients across 17 nations, with Fortune 500 companies and unicorn start-ups accounting for 60% of the company's client profile. Alex is a senior business executive with over 11 years of leadership experience in both the technology and logistics sectors. Prior to joining WIZ.AI, he served as VP of Samsung SDS. Alex holds a bachelor's degree in International Trade from Nanjing University.
Hendro
Director of Digital Trust and Privacy, Deloitte
Hendro
Director of Digital Trust and Privacy, DeloitteHendro is is a seasoned cybersecurity and data privacy professional with over 12 years of extensive experience in the areas of cybersecurity management, data protection & privacy and digital identity with in depth knowledge on technology & business domains. He currently served as Director for Data Protection and Privacy & Digital Identity practice at Deloitte Indonesia. Hendro holds Bachelors in Information System and Master of Business Administration and has several professional certifications to his credit some of which are CISSP, CISM, CIPM, CDPSE, CDPO, CISA, PMP, PRINCE2, CAPM, COBIT and others. Prior joining Deloitte, Hendro worked in one of biggest Banks as Technology Planning & Architect, allowing him to know Bank's business and technology operation. After his career in Bank, he worked as Cyber Security Manager in one of International Cyber Security Consulting firm.
Dr. Indah Budiani
Executive Director, Indonesia Business Council for Sustainability Development (IBCSD)
Dr. Indah Budiani
Executive Director, Indonesia Business Council for Sustainability Development (IBCSD)A seasoned sustainability expert with over 20 years of experience leading initiatives in sustainable development, ESG promotion, and advocating for green jobs and decarbonization. She specializes in low-carbon development, net-zero emissions, and plastic circularity, with a strong track record in policy analysis, stakeholder engagement, and project management. Her work includes evaluating occupational safety, green jobs, and illicit wildlife trade. She holds degrees in law, environmental management, and social welfare and has international experience in Germany and the UAE on water projects. In 2016, she earned a Sustainable Business and Responsible Leadership diploma from the Swedish Institute. A recipient of the Alcoa, DAAD, and STUNED fellowships, all focused on sustainability topics. In 2023, she was named Lead Author for the Business and Biodiversity Chapter of IPBES. Her career goal is to drive impactful sustainability projects and build lasting partnerships.
Lakshitha Jayaweera
Vice President, Information Technology and Infrastructure, Citi
Lakshitha Jayaweera
Vice President, Information Technology and Infrastructure, CitiMr. Lakshitha Jayaweera is a results-driven IT leader with over 20 years of experience in Banking Technology, including Fintech, Cloud, Blockchain, and Cybersecurity. He currently serves as Vice President of Information Technology at Citi Bank. Passionate about innovation that enhances accessibility and improves community well-being, Mr. Jayaweera has led several key initiatives, including the successful introduction of Faster Payments and the rollout of Direct Debit payments in Sri Lanka. He played a pivotal role in the LIBOR to RFR transition and enhanced user experience by integrating new digital channels with the core banking system, Flexcube. Additionally, he oversaw the implementation of the Financial Intelligence Report integration with the Central Bank of Sri Lanka. His work focuses on bridging traditional banking with future-ready digital solutions that drive efficiency, compliance, and customer satisfaction.
Rocky Tung
Director and Head of Policy Research, Financial Services Development Council
Rocky Tung
Director and Head of Policy Research, Financial Services Development Council
Dr Tung is the Director and Head of Policy Research for the Financial Services Development Council (FSDC). He leads the team responsible for conducting policy research and industry surveys to formulate proposals for the Hong Kong Special Administrative Region Government and financial regulators. Before joining the FSDC, Dr Tung was the Director of Capital Markets Policy for the CFA Institute, covering research areas related to capital market structures (e.g. corporate governance, regulatory environment) in the Asia Pacific region. Before that, he was the Senior Economist for the Hong Kong General Chamber of Commerce, where he oversaw its macroeconomic research, as well as labour- and international trade-related policy research functions. He also served as an economist and a research analyst for banks, a trade credit insurer and a Hong Kong-based think-tank.
Erikman Pardamean
Partner, Technology Risk Consulting, RSM Indonesia And Chapter Secretary, ISACA Indonesia
Erikman Pardamean
Partner, Technology Risk Consulting, RSM Indonesia And Chapter Secretary, ISACA IndonesiaErikman Pardamean is a Technology Risk Partner at RSM Indonesia and Chapter Secretary at ISACA Indonesia, with 16+ years of expertise in IT GRC, cybersecurity, IT audit, risk management, and data privacy. He has held key roles at PT Astra International Tbk., PT XL Axiata Tbk., and World Vision, advising banks, financial institutions, and enterprises on regulatory compliance, cybersecurity, and AI governance. As Secretary of ISACA Indonesia, Erikman actively shapes industry standards in IT governance, cybersecurity, and risk management, frequently speaking at conferences and panels. His expertise extends to AI and digital risk, emerging technology, and digital banking compliance, aligning with frameworks like NIST, ISO, GDPR, and Indonesia’s PDP Law. He holds multiple globally recognized certifications, including CISA (ISACA), COBIT (ISACA), Certified Associate CISO (EC-Council), Certified in Cybersecurity (ISC)², and ERMCP (ERMA), reinforcing his leadership in IT assurance, cybersecurity, and risk management.
Jenny Hadikusuma
Head of Sustainability, UOB
Jenny Hadikusuma
Head of Sustainability, UOBJenny is a sustainability professional focused on integrating sustainable development into business and society. She contributes through volunteer work in greenhouse gas inventory for healthcare and life cycle assessment for building materials. Her experiences include business strategy, technology implementation, operations management, risk assessment, human resources, and sustainability across real estate, telecommunications, and financial sectors.
Makhadir Mukhamad
Vice President, Head of IT, Digital and Cyber Risk Management, Bank Tabungan Negara
Makhadir Mukhamad
Vice President, Head of IT, Digital and Cyber Risk Management, Bank Tabungan NegaraMakhadir is a seasoned expert in IT Risk Management, IT Governance, Cyber Security, and Fraud Risk Management, with extensive experience spanning over five banks, including state-owned, private, and multinational institutions. Currently serving as Vice President - Head of Digital Risk Management at Bank BTN, bringing a strategic and hands-on approach to managing digital risks in the evolving banking landscape. Known for a strong track record in building robust risk frameworks and aligning technology with business goals to ensure resilience, compliance, and innovation.
Martin Sendra
API & Digital Payment Head, OCBC
Martin Sendra
API & Digital Payment Head, OCBCMartin has more than 10 years of experience in Payment, and Banking industry. Previously he run Payment Solution Advisory for eCommerce players, built product in GoTo Financial to provide Merchant Management Solution, he also drives partnership with financial institution to provide greater payment solutions for customers. Today, Martin heads up API & Digital Payment at Bank OCBC with objectives to provide more suitable payment solutions and collaborate with Partners to embed banking solutions into Partner’s platform. An Artificial Intelligence software engineer with Bachelor of Computer Science from Bina Nusantara University, Martin is passionate about innovation and improvement in providing a greater payment solution and education.
Wahyu Agung Prasetyo
Head of IT and Cyber Risk Management, Bank Mega
Wahyu Agung Prasetyo
Head of IT and Cyber Risk Management, Bank MegaWahyu Prasetyo is an experienced IT and cybersecurity professional with over 20 years in the financial services industry. As the Head of IT & Cyber Risk Management at Bank Mega, he leads strategic initiatives in cyber resilience, IT governance, and regulatory compliance. With a strong focus over the past decade on cybersecurity, Wahyu has been instrumental in shaping secure digital environments in banking. He is also a lecturer, teaching advanced IT subjects such as data management, distributed systems, software quality assurance, Hacking and Security. Wahyu is actively publishing in international journals and articles related to cybersecurity and privacy risk.
Dr. Fandhy Haristha Siregar
Head of Synergy, Indonesia Risk Management Professional Association And Head of Cybersecurity Governance and BISO,FWD Insurance
Dr. Fandhy Haristha Siregar
Head of Synergy, Indonesia Risk Management Professional Association And Head of Cybersecurity Governance and BISO,FWD InsuranceFandhy P. is an accomplished expert in Internal Audit, Governance, Risk Management, and Information Technology, with a strong specialization in Cybersecurity, Data Analytics, and Machine Learning. With a distinguished career spanning leadership roles at Bank Resona Perdania, Avrist Assurance, Bank Muamalat, Commonwealth Bank, and Bank CIMB Niaga, he brings deep industry insights and strategic expertise. He holds 16 prestigious certifications, including CISA, CISM, CRISC, CISSP, CIA, and CRMA, and is a frequent speaker at professional conferences on governance, risk, and audit. Fandhy actively contributes to the profession through key roles in IIA Indonesia, ISACA Indonesia, and IAIB, and has been instrumental in developing national standards for internal auditors with OJK and BNSP.