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Bobby Yulandikaputra


  1. Why Indonesian fintech’s ASEAN expansion cost more than anyone priced in

  2. ASEAN’s startup ecosystem is entering its accountability phase

  3. The agritech credit paradox: Lessons from TaniHub and Indonesia’s first agritech generation

  4. The KoinWorks era: What Indonesia’s SME lending journey has taught the next generation

  5. The founder-to-minister pivot isn’t the problem, ASEAN’s missing governance infrastructure is

  6. The imported risk: How geopolitics moved from ASEAN’s macro problem to ASEAN’s balance sheet

  7. The yellow flag problem: Most risk functions fail at culture before they fail at technique

  8. The case for hybrid microfinance: Combining AI with social accountability

  9. Climate risk’s invisible threat: What ASEAN banks aren’t accounting for

  10. The new ransomware playbook: Why ASEAN banks are losing the disclosure war

  11. The principles that govern both chemical plants and financial systems

  12. Why concentration disclosure is key to ASEAN’s financial stability

  13. How AI is dismantling the risk pool in insurance

  14. The fatwa lag: How AI is overtaking the system designed to govern Islamic finance

  15. The fraud officer in Yogyakarta won’t catch the AI wave, and most ASEAN institutions don’t know it yet

  16. Synthetic identities now cost nothing to make, and ASEAN’s banks have not caught up

  17. The 83,000 experiment: Indonesia is running ASEAN’s largest test of risk management at scale

  18. The flattening: How AI is collapsing the middle of the risk function

  19. The credential trap: What I have stopped looking for in risk hires

  20. 3 résumés out of 90: ASEAN’s governance debt is coming due

  21. The velocity of obsolescence: Why technical debt is your greatest macro risk in 2026

  22. Breaking the two-speed economy: How integrated ERM unlocks capital for the real sector

  23. The sovereign AI moat: Why integrated risk is the only way to scale intelligence in 2026

  24. The antifragility of scale: Why risk management is Southeast Asia’s secret 2026 growth engine

  25. The macro-antifragility framework: Navigating Southeast Asia’s risk landscape in 2026

  26. Beyond the audit: Why risk management is the secret engine of 2026 growth

  27. The ASEAN AI rush: Why “move fast and break things” is a dangerous strategy for risk

  28. Flying blind: ASEAN’s digital boom has a 98 per cent risk-tech gap