Rudy Gunawan

Director, Asia


After graduation, I built my career in consulting services. In 2003 I joined a team that was transforming operations and organization of a large Asian bank. Since then, I continued with different aspects of financial industry. Finally, specialization in payments brought me to OpenWay in 2005.

In which professional and non-professional areas you feel confident as an expert?

After spending time learning, making mistakes and successes in financial and payment industry, it forges me into a professional player in this community. For all future time, I prefer to learn from the expert instead of becoming an expert.   

What do you feel about the disruptions in the payment industry? What recent event / innovation inspired or frightened you?

The past disruption may be caused by advanced technology such as shifting human teller into digital channel and from physical contact into contactless. However, I believe the upcoming disruption would be going the other way around from advanced into simplistic cheap alternatives such as from expensive contactless into cheaper QR base transaction and from bureaucratic loan into straightforward peer-to- peer lending.    

When choosing a business model, what characteristics do you expect are the most important?

The idea should solve a problem or response to a real need in society. The business model should allow a small start with full ecosystem and able to reach financial self-sustainable within short period.

Is there a book or a channel that grabbed your attention recently? Why?

The Flash on Netflix as watching it is the uncanny bonding moment with my only daughter.   

How do you envision the role of banking and processing companies in 5 years?

Due to the fact that this industry is (tightly) regulated, I believe no major or catastrophic
changes in the landscape. However, I believe banks will follow telcos in direction of becoming more of infrastructure for over the top applications and players. 

What skills do you feel are must-have for a decision-maker today and in the future in the banking industry?

Technologically savvy, passionate for (people) human capital and ability to interpret patterns. 

What qualities of your strategic partners will make you feel confident now and in the future?

Trustworthiness and resiliency.

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