Dedi NurfalaqA Strategic Partner for Business Growth & Digital Banking Transformation
Dedi Nurfalaq, S.Sos., MM is a banking professional with more than 20 years in Indonesia's banking and financial services industry. I help institutions shape business strategy, digital transformation and governance that deliver real results.
Dedi Nurfalaq, S.Sos., MM
Banking Professional | Business Development & Digital Banking Practitioner
- 20+ years in Indonesia's banking and financial services industry
- Former Head of Department at PT Bank Woori Saudara Indonesia 1906, Tbk
- Executive Director, Wakafinaja (Yayasan Semangat Indonesia Berwakaf)
- Guest lecturer in postgraduate programmes
- Strategic advisor to Universitas Bani Saleh, Bekasi
A Career Built Where Finance Meets Technology
I am a seasoned banking professional with deep experience in electronic banking, digital channels and business development. As Head of Department at PT Bank Woori Saudara Indonesia 1906, Tbk, a publicly listed bank backed by South Korea's Woori Financial Group, I led the electronic banking platforms and digital payment services that customers relied on every day. I also helped shape the bank's core banking plan after the merger of Bank Woori Indonesia and Bank Saudara, work that required turning complex change into clear plans, aligning business and IT teams, and delivering within a strict regulatory environment.
Before that, I built my commercial foundation in financial technology and responsible business. As Marketing Manager and Business Development Manager at PT Alto Network, I grew partnerships for payment network services. At Indonesia Business Links, I worked with companies on ethical business practice and corporate social responsibility.
Today I serve as Executive Director of Wakafinaja, lead productive waqf strategy and institutional development, teach as a guest lecturer in postgraduate programmes, and advise Universitas Bani Saleh on strategic planning. I hold a Master of Management and a Bachelor of Social Sciences, and I co-authored a peer-reviewed study on corporate performance in an Indonesian foreign-owned bank (DIJEMSS, 2024).
My guiding principle is simple: as long as I live, I choose to be useful.
Advisory Tailored to Your Institution
Every engagement is shaped around the organisation's context, from banks and cooperatives to universities and philanthropic institutions.
Business Strategy & Development
Growth strategy, market expansion and new business lines grounded in data and industry trends.
Digital Banking Transformation
Guidance from technology roadmap to the adoption of digital products that fit customer needs.
Institutional Strategic Planning
Complete strategy documents, including SWOT, Business Model Canvas, three-year roadmap and budget estimates.
Teaching & Corporate Training
Guest lectures, workshops and in-house training on banking and business management.
Waqf & Islamic Finance Advisory
Productive waqf schemes and governance for Islamic philanthropic institutions, aligned with Indonesian law and sharia.
Applied Research & Publications
Research collaboration and applied writing in management, banking and business.
Experience
Highlights from a career across banking, academia and philanthropy.
Head of Department, PT Bank Woori Saudara Indonesia 1906, Tbk
Led electronic banking platforms and digital payment services, contributed to the core banking plan after the Bank Woori Indonesia and Bank Saudara merger, and coordinated business, IT and operations teams within regulatory requirements.
Marketing Manager & Business Development Manager, PT Alto Network
Developed partnerships and new business for payment network services.
Indonesia Business Links
Supported companies on ethical business practice and corporate social responsibility.
Executive Director, Wakafinaja
Leads productive waqf strategy and institutional development at Yayasan Semangat Indonesia Berwakaf.
Guest Lecturer & Strategic Advisor, Universitas Bani Saleh
Teaches in postgraduate programmes and advises on institutional strategic planning, including three-year roadmaps and business models.
đź“„ Journal article: Nurfalaq & Christian (2024), Determinants of Corporate Performance in One of Indonesia's Foreign Banks, published in DIJEMSS (Dinasti International Journal of Education Management and Social Science).
Books
Three books from three sides of my journey. All are written in Bahasa Indonesia and available as PDF e-books.
Jangan Ketipu FYP
A practical guide for first-time voters to spot political hoaxes and deepfakes in three minutes. Published October 2026.
Get the e-book
Selagi Hidup Jadilah Berguna
107 essays from 2004 to 2016 on banking, labour unions, leadership, public policy and family life.
Get the e-book
GBS Survivor
A true story of recovering from Guillain–Barré Syndrome: unable to stand, then back to living, working and serving others.
Get the e-bookLet's Discuss What Your Institution Needs
Fill in the form to schedule an initial consultation, or reach me directly. I reply in English or Bahasa Indonesia.