UangCermat is building Indonesia’s first end-to-end financial services platform that offers savings, loans, and investment services to the underbanked and unbanked segments in Southeast Asia, providing access to sustainable financial products and services. 

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The UangCermat team

Shai Headshot

Shaiful Mustaafa
CEO & co-founder

Shaiful has spent 8 years in the fintech industry, managing and leading teams for businesses running financial product marketplaces, financial content and P2P lending. Prior to that, he spent 8 years working in the financial services sector; firstly in Operations for an international investment bank and then as an investment analyst at a private equity firm. He has a degree in Computer Engineering and an MBA from top universities in Singapore.

Ed Headshot

Edward Kumar
COO & co-founder

Edward has extensive experience in cybersecurity and information systems, having spent 12 years of his career at Apple working on prototypes for iPhone and iCloud and leading the infrastructure deployments in hostile environments using zero-trust strategies. He also has led tech development for an online lifestyle e-commerce marketplace in Indonesia, as well as co-founding a cloud kitchen and online food delivery company