Bapak’s Notes : Selamat Ulang Tahun Ibu

Apa kabar Ghaz ?

Its been quite a while since the last time i write for you and son, let me tell you how it has been hell of a ride. First thing first, we are now living in Manchester Ghaz! can you believe that ? sometimes bapak still couldnt fathom this fact.

As a child who grew up in the suburbs of Sidoarjo, going outside our country was a far fetch let alone living there Ghaz. Bapak used to play near Juanda airport and i was always wondering what lies behind the departure door.

But enough about that, lets talk about the woman responsible for our well being and happiness while we embark on this journey : Ibu.

dsc00695

Did you know Ghaz that Bapak actually was afraid of the idea of pursuing Master’s degree ? I used to think since Bapak has been having good career with good wages and benefits, why risk all that for going back to university again ? after all, theres no guarantee when Bapak will have better career after having the degree.

It was Ibu who convince me that i can always go back to professional life again but Bapak might miss this lifetime chance to study abroad if i didnt pursue it now. Bapak is nearly in my 30’s now, you are still very young and we dont have any long term financial commitment yet. We dont have any car nor house nor debt hence we as a family have the flexibility to just pack our bags and go!. And again this is also because of Ibu. She save our money and ensure me not to settle in just yet because Ibu believe Bapak might get a chance for scholarship.

See Ghaz ? even I dont put that much confidence in myself.

Did you know Ghaz since we moved to this far and foreign land, Ibu become full time housewife ? When Bapak is going to class, you are with Ibu 24/7. She cook for both of us, bath you and ensuring you grow up healthy and happy. She even taking you out for baby class where you can learn about colors, music and other educational stuff. She done it all by herself, taking you out on a stroller, boarding a Stagecoach bus, sometimes in a windy and cold weather,  isnt it amazing Ghaz ?.

Just before we moved here, Ibu was promoted in her job. To leave all that and committed herself to be mother and wife, both of us owe her big time Ghaz so remember this as you grow up (and please remind Bapak too hehe).

Last week, Ibu had her birthday. So lets give out one big hug for our hero Ghaz : Selamat Ulang Tahun Ibu, Bapak and Ghazi love you to the supermoon and back. We wont be what we are today if not because of you.

Love you again!

Selamat Ulang Tahun Bu Mahe

Ketika kuliah di ITS dulu, awal semester selalu dimulai dengan sesi perwalian. Di sesi ini dosen wali memberikan masukan performa akademik semester sebelumnya dan juga diskusi tentang mata kuliah apa saja yang akan diambil semester ini. Jika mendapat dosen wali yang cukup asik, mahasiswa juga memanfaatkan sesi ini untuk curhat, berkeluh kesah atau bahkan meminta nasihat baik itu berkaitan dengan kuliah maupun hal pribadi. Saya termasuk yang mendapat keberuntungan ini. Ibu Mahendrawati, dosen wali saya, tidak saja memperhatikan performa akademik mahasiswanya tetapi juga peduli dengan masalah masalah kami dan tidak jarang memberikan saran dan nasihat yang mengena sekali.

Di suatu semester, saya mendapat nilai C di mata kuliah Aljabar Linier. Mata kuliah berisi rumus dan persamaan matematis yang tidak saya nikmati sama sekali. Sebenarnya ini bukan masalah besar karena mata kuliah lain nilainya cukup bagus sehingga tidak berdampak terhadap penurunan IPK keseluruhan. Tetapi Bu Mahe membahas ini cukup intens. Beliau bertanya kenapa mata kuliah pemrograman mendapat nilai yang bagus namun sebaliknya nilai mata kuliah analitis dan matematis terjun bebas.

Jawaban saya sederhana : mata kuliah tersebut bukan minat saya sehingga saya tidak terlalu peduli dengan mata kuliah tersebut. Bu Mahe kemudian memberikan saran yang kurang lebih terdengar seperti ini.

Tentu saja nilaimu jelek, kamu tidak mengerahkan usaha disitu. Sudah coba untuk berusaha ? siapa tahu kamu bisa. Lagipula kalau hanya fokus di bidang yang kamu suka saja, bisa bisa tidak berkembang.

Saat mendengar itu, sejujurnya kalimat itu tidak terlalu mengena. Tetapi melihat kembali ke belakang dan merefleksikannya kembali ke perjalanan hidup saya hari ini, her advice was spot on. Momen momen menarik terjadi ketika saya, baik sengaja ataupun tidak sengaja, keluar dan mengerahkan usaha untuk hal yang awalnya tidak saya minati.

Ketika dulu menempati posisi sebagai senior engineer, saya pikir bahwa IT dan teknik adalah hidup saya. I was good at those stuff, it was my passion and i thought im going to do this for a long time. Tapi nasib berkata lain, saya dipindah ke Corporate Strategy. Pada awalnya memang susah dan  tidak nyaman, tapi dengan mencoba mengerahkan usaha disitu it turns out to be great. Saya tidak menyangka sebelumnya bahwa strategy, business model, corporate finance, investment dan product development menjadi bidang yang saya kuasai dan minati.

Saran bu mahe kembali mengena ketika saya memutuskan untuk berhenti berhenti bekerja sejenak dan mengambil beasiswa master. Karir lumayan dengan gaji dan manfaat yang bagus ditambah saya baru saja mempunyai anak dan istri yang juga baru saja di promosi. Meninggalkan semua itu ditambah dengan menghadapi segala ketidakpastian tentu saja susah, menakutkan dan tidak nyaman. But hey, with enough effort and perserverance, my time here with Ghazi and Sari turns out to be great so far. 

Di salah satu buku Malcolm Gladwell (saya lupa yang mana), ada sebuah percobaan dimana beberapa orang secara random ditantang  menyelesaikan soal matematika advance dengan imbalan hadiah uang. Sebagian besar responden tidak pernah mengenyam bangku kuliah dan mereka diberikan waktu sebanyak mungkin. Yang mengejutkan, ada sedikit orang yang berhasil. Bagaimana mereka melakukannya ? mencoba-coba terus, membuat kesalahan sebanyak mungkin dan menyesuaikan solusi berdasarkan koreksi yang di dapat dari kegagalan sebelumnya. Proses ini menghabiskan waktu hingga 5-6 jam. Mayoritas responden sudah menyerah bahkan sebelum 1 jam berakhir.

Gladwell menyimpulkan with enough effort and perserverance, even complex math problems are solvable by ordinary people. Tentunya ini akan membutuhkan waktu yang tidak sedikit.

Jangan jangan rasa minat dan nyaman terjadi karena bidang tersebut memang sudah saya kuasai. Keengganan untuk keluar dari kotak minat ini jangan jangan adalah rasa takut gagal dan salah. Tembok besar yang menghalangi perkembangan personal saya.  Padahal kalau mengerahkan usaha dan waktu disitu bisa jadi saya menguasai bidang tersebut dan membuka jalan ke arah yang lebih bagus.

Selamat ulang tahun Bu Mahe. Terima kasih telah menjadi partner diskusi saya dan banyak mahasiswa-i ketika kuliah dulu. Semoga ibu sekeluarga tetap sehat dan terus menginspirasi banyak mahasiswa-i di kampus untuk keluar dan terbang jauh dari apa yang mereka kira adalah batasan mereka sendiri.

img_20161011_164500_hdr

Terinspirasi dari posting Ariesty yang juga sesama anak wali Bu Mahe. Walaupun tentu saja angkatannya, ehm, berbeda jauh. 

Perjalanan Beasiswa : Timeline (Part 2)

Melanjutkan tulisan sebelumnya, posting kali ini akan membahas beberapa tahap dalam proses mengejar beasiswa. Setelah sebelumnya membahas pentingnya riset, perencanaan dari jauh hari dan memulai dari langkah yang paling mudah, di tulisan ini saya akan membahas tentang test IELTS, aplikasi universitas dan aplikasi beasiswa. Timeline Perjalanan Beasiswa

Mari kita mulai dari yang pertama yaitu IELTS Continue reading

Perjalanan Beasiswa : Timeline (Part 1)

Sampai saat ini, saya masih sulit percaya beberapa hari kedepan kami sekeluarga harus meninggalkan rumah untuk pindah ke negeri jauh. Berkat beasiswa LPDP, saya diberi kesempatan untuk mengambil magister Innovation Management and Entrepreneurship di The University of Manchester.

img1

Selain hasil yang tentunya menggembirakan, banyak pembelajaran yang saya dapat dari proses pencarian beasiswa ini. Beberapa hal akan saya share di seri tulisan #perjalananBeasiswa di blog ini.

Mari kita mulai dari yang pertama yaitu pengaturan waktu / timeline. Continue reading

Album baru yang saya dengar

Sudah lama tidak menulis.

Sepertinya waktu luang saya akhir akhir lebih banyak dihabiskan dengan membaca buku, mengurus persiapan relokasi, bermain dengan Ghazi dan tentu saja….menaikkan level kompetensi di Battlefield 4.

Tentunya jika diteruskan ini tidak baik. Menulis adalah skill penting yang harus diasah terus dari waktu ke waktu. Apalagi bulan depan saya kembali menjadi pelajar dan mulai mengenyam pendidikan pasca sarjana. Oleh karena itu, kali ini saya mereview beberapa album rilisan 2016 yang nikmat untuk didengar. Hitung hitung pemanasan sebelum menulis paper.

Oh ya, semua album bisa didengarkan di layanan streaming musik Deezer. Klik saja sub-judul di artikel ini. Continue reading

Indonesia Fintech Industry Updates #3

OCBC Become The First Bank in South East Asia To Open Public API

Singapore-based bank OCBC made an interesting digital move just recently. The bank embraced the fintech wave by officially opening their internal data to be used as public API services called Connect2OCBC. This move is the first one in the region and no banks has ever done this before even though recently BCA has already moving in the direction by holding a Hackathon. Using this API, software developers can programmatically use OCBC’s data to enrich their own services.

Screen-Shot-2559-05-18-at-12.51.28-AM

Right now Connect2OCBC offers four different API access :

  • Branch Locator : Give location data on all OCBC branch and their opening hours
  • ATM Locator : List OCBC ATM machines location
  • Smart Card Advisor : Give recommendation on perks and rewards for OCBC card holder
  • Forex Rate : Give up to date FOREX rate

Quoted by The Edge Market, OCBC Senior VP for Group Operations and Technology Praveen Raina said that the bank aimed to create a ‘data social network’ which facilitates free flow of certain non-customer data that will benefit any third party and the community as a whole in a secure manner. Praveen added that OCB has been in discussion with several fintech startups and real estate firms in order to help them make an optimal use of this API’s.

“As we mature, we see more and more collaboration with third party app developers, and that’s where the ‘API economy’ comes in. Organisations that don’t do this will be left behind. This is no longer a matter of choice, whether we do it or not,” he added.

Developer manual and use case examples are available on Connect2OCBC site. Being asked about future plans, The bank are focusing to add more services to the platform and the additional services expected to be ready the end of the year. However there are still no information whether the data will include OCBC presence outside Singapore (e.g Indonesia).

More information on this : https://e27.co/no-kidding-ocbc-just-became-the-first-bank-in-southeast-asia-to-have-an-open-api-20160517/

Doku & Dycode Opened Indonesia IoT Challenge 2016

Indonesia online payment startup Doku held a developer competition called Indonesia Internet of Things (IoT) Challenge 2016. This competition invites young Indonesian software developer to submit their creative IoT products which integrates with Doku payment platform. Partnering with software development house DyCode, Doku offered total prize of 30 million IDR for the winners.

In the press release, Doku’s CEO said that this competition aimed to encourage young developers to show their talent and solve real problems using IOT and Payment platform. This competition is open for anyone and participant are free to choose their preferred programming language and IoT tools.

bg-mentor

Participant will be judged on several criteria :

  1. Simplicity of the solution
  2. Technology understanding of the participant
  3. Hardware efficiency
  4. Esthetics and design
  5. Bonus points for good implementation of DOKU API in the solution

Submission is currently open until 28th of May and finalist will be announced on 5th of June 2016.

More information here : http://edu.dycode.co.id/idiot-challenge/

Finnet launched Finpay Link to Ease Payment via Social Media

Indonesian internet users has an unique habit of using Social Media as an e-commerce platform. Instagram and Facebook has become primary channel for online sellers to showcase their product especially for individual sellers and SME.

solusi-bisnis-finpay-link

Leveraging on this phenomenon, Telkom affiliated company Finnet launched Finpay Link, an online payment gateway services tailored for Social Media sellers. With Finpay Link, sellers will be able to create customizable link for their product and embed them easily in social media. This will enable customer to instantly pay the products just like in ecommerce marketplace sites such as Elevenia or Lazada. More convenient options compared to current practice of doing manual bank transfer.

Finnet CEO Niam Dzikri said that manual bank transfer has 65% error rate. Most of this errors contributed by human factor such as mistyping the account number and payment amount. Finpay Link aim to minimize these mistakes and made payment process in Social Media selling more straight forward. Apart from this, Finpay link also offer real time confirmation notifications and bank account checking.

More information here : http://www.indotelko.com/kanal?c=bid&it=finpay-link-transaksi-ukm-goes-digital

Kredivo, online financing services with real time credit scoring

Singapore based startup, FinAccel, recently launched online financing services called Kredivo. This services enable its users to buy things online on credit which they can also pay it in installments. To do this, FinAcccel partnered with local financing companies BFI Finance.

kredivo

What makes Kredivo interesting is it offers the capability to do real time credit risk assessment. When Kredivo users buy an item, the platform do a background check based on variety of information. There are about 1000 variables are considered to determine users credit score including self-reported data about income, employment, marital status, but also social network data like how often someone posts, how many friends you have, what type of phone you use etc.

Currently, Kredivo is integrated with 20 online merchants including e-commerce marketplace Jualo. Ahmed Aljunied, Jualo CTO said that they like the product very much and it give significant spike to the transaction.

” Consumers tend to be suspicious of online sellers, so the ability to receive their purchases without having paid a single cent is an extremely attractive proposition,” 

Kredivo user has 30 days to pay for the item, without additional fees or interest. If payment isn’t completed in 30 days, interest will be charged with 2.95 percent per month and late fees of 3 percent a month.

More information on Kredivo : https://www.techinasia.com/startup-unlock-ecommerce-growth-southeast-asia

Indonesia Fintech Industry Updates #2

Quadrupled Investment Growth On Asia Pacific Fintech Industry

In their recent report “Fintech and the evolving landscape”,  Global consulting company Accenture stated that Asia Pacific (APAC) region had a quadrupled growth in 2015 with to USD 4.3 billion. With this figure. APAC contributed almost 20% of total investment in global fintech industry (USD 22 Bio) and become the second biggest invested fintech region after North America. Most of these growths are contributed by China and India while in South East Asia, the hottest fintech hub still being lead by Singapore.

image001

In terms of business model, payment still reigns in a top spot for the most invested fintech business in APAC. However there is a huge surge in Insurance technology. From 2014 to 2015, Insurance Technology grow almost tripled even though the amount is still small compared to payment.  The report predicted that Insurance Technology will be the next hot battleground in APAC fintech landscape.

In this report, fintech startups were divided into two different types: Competitive and collaborative. Competitive-type challenges the established financial institutions while collaborative-type add value to the incumbent. Last year investment collaborative-type startup increased by 138 % while competitive-type only increased by 23%.

This is a good sign that going forward banks and other financial are more open to invest and collaborate with fintech startups. Trend which we already see in Indonesia right now with BCA and Mandiri leading the pack.

For more info, read the full Accenture report here.

Paypal launched fintech incubation program in Singapore

Global mammoth on online payment, PayPal has just launched fintech incubation program in Singapore. This program are opened for fintech startups in the region. Selected participant will go through nine month incubation in PayPal’s Technology Centre in Suntec City. The incubation program will include mentorship on finance and technology topics such as risk, compliance, core payment network and channel development. Participant will also given direct access to PayPal executives, external talents and also well-known industry experts.

PayPal

In order to be eligible, applicants should fulfill these criteria :

1. A fintech or technology startup
2. Have a minimum viable product (MVP) and early trial with customers
3. Armed with seed stage funding
4. Based out of Singapore or willing to relocate to Singapore

Acceptance will be judged based on team capability, business model, technology innovation and traction.

Apart from PayPal, VISA also setup strong footprint in South East Asia by opening their new Innovation Centre which also in Singapore. Align with the Accenture report, massive growth in fintech sector has been jump-starting the interest of global tech giants  to setup business in this region.

More information on this here (e27)

Gojek-Bluebird Partnership

In a surprising twist, recently Gojek has striked partnership with the Bluebird, the company they aimed to disrupt. During the press release, Head of Buebird Public Relation Teguh Wijayanto stated that this partnership improve hailing process for Bluebird. Gojek’s CEO Nadiem Makariem also said that the partnership will include technology, payment system and promotion. Currently the detail on this partnership is not yet clear. Both parties has stated that Gojek-Bluebird joint services will be revealed to public at the end of May 2015

1641042Go-Jek-Blue-Bird-1780x390

Focusing specifically in payment parts, this partnership will likely served as the first Go-Pay payment expansion outside Gojek own ecosystem. Considering this move and their recent GoPay campaign (50% discount  for all gojek services), Seems like Nadiem Makariem has a big ambition to dominant players in the universal payment platform going forward.

More information on this here (Kompas).