I blend research rigor, design systems, and rapid prototyping to help products simplify complexities and elevate user experiences.
Democratizing Retail Sovereign (SBN/ORI) and Corporate Fixed-Income Bond Trading in Southeast Asia.
Bonds and fixed-income debt securities are among the most reliable wealth generation tools, yet retail investors have historically found them intimidating due to confusing calculations (YTM, coupon frequencies, accrued interest, and tax deductions). Tuntun Bonds was designed as an intuitive gateway that translates complex bond mathematics into clear, projected passive income streams.
Unlike stocks where price per share is straightforward, bonds require investors to grasp Coupon Rate vs Yield to Maturity (YTM), secondary market liquidity discounts, and settlement timelines. Our challenge was designing interactive calculators that allow investors to visualize their exact monthly cashflow payout schedule with a single slider adjustment.
“Financial clarity creates investor courage. When users see their exact future cashflow calendar, bond investing feels rewarding and secure.”
Surveyed 50+ fixed-income retail buyers to uncover misconceptions regarding bond maturity dates, coupon payouts, and early exit fees.
Engineered an interactive calendar visualizer showing exact coupon pay dates, gross vs net income, and reinvestment scenarios.
Developed clear Pefindo / Moody’s rating badges (AAA, AA+, etc.) with plain-language explanations of credit security and default protections.
Designed an integrated RDN (Investor Account) auto-debit flow that confirms sovereign bond reservations in under 30 seconds.
During national sovereign bond issuance periods (ORI and Sukuk), Tuntun Bonds achieved 100% allotment quota sellouts well ahead of target dates, with users praising the clarity of the payout forecasts.
The payout simulator and cashflow timeline that Farid engineered made our bond product the easiest to understand across all Indonesian securities brokerages.
Antai Securities Limited
Precision agriculture IoT monitoring, crop yield prediction, and farm-to-market trade platform.
