17 years across payments, digital identity and enterprise technology. I turn complex business challenges into products with real business impact.
Experience across
I’ve spent 17 years in payments, digital identity and financial technology, turning ideas into products with real business impact. At GOJEK I helped launch QRIS and offline card acceptance for merchants. At VIDA I built VIDA Sign from concept to 20,000+ users and 18 enterprise clients. At Telkomsigma I delivered core banking replacement projects.
Today, as co-founder of Etalas, I lead product strategy and delivery for enterprise clients while building AI-powered products, integrating AI from discovery and design to engineering and QA, with the security, compliance and human oversight enterprises require. I also co-founded Kareem Ventures, which builds technology for productive waqf organizations.
From ambiguous requirements to clear roadmaps, PRDs and actionable engineering plans. Discovery, prioritization and go-to-market, end to end.
AI across discovery, design, engineering and QA, with enterprise-grade security and human oversight.
Core banking, wealth platforms, complex integrations.
Fintech, digital identity and enterprise AI.
QRIS, card acceptance, merchant payments and legally binding digital signatures.
Turning ambiguous requirements into a clear picture: business goals, user needs and regulatory constraints. No assumptions.
Product roadmaps, PRDs and actionable specifications that engineering, design and compliance can all build from.
AI integrated throughout engineering and QA, with the security, compliance and human oversight enterprises require.
Launch, enterprise adoption and continuous improvement, driven by client feedback and measurable outcomes.
Live
Led from concept to a legally binding digital signing platform: built the cross-functional team, wrote the PRDs and guided the MVP through launch and iteration, aligned with governance, risk and compliance requirements.
Live
Co-founded an AI agency and software house. I lead product strategy and delivery across client engagements and Etalas's own products, and drive AI adoption across discovery, design, engineering and QA.
Live
Co-founded a productive waqf holding. The platform helps SMEs structure social giving through Islamic waqf contracts and helps waqf organizations operate professionally, in line with Shariah principles.
kareemventure.com
Live
Turn a messy client brief into an execution-ready spec: one brief in, a versioned PRD, quotation, specs and a live prototype out. The AI asks clarifying questions before generating each document, and clients can open a read-only link. I drove product direction, QA, pricing tiers and payment integration.
Live
Free screen recorder and instant video sharing, a Loom alternative: record screen, camera and voice in one click, share HD video by link with no download, and get AI summaries of recordings.
screenbolt.com
Proposal
AI-powered POSM platform: import store and material lists from Excel, apply brand rules, AI image generation and editing, layered PSD output, client preview and print-vendor outputs, production planning and two-step approvals. I own the PRD and the proposal.
va-canvas.etalas.studioI combine product thinking, business strategy and engineering execution to bridge the gap between business and engineering, turning ambiguous requirements into clear roadmaps and solutions that deliver.
Open to product partnerships, fintech and digital identity advisory, and enterprise AI initiatives.