Full experience.

Lead the bank's macroeconomic and financial-markets research function.

• Produce multi-horizon projections for the BI-Rate, USD/IDR, 1/5/10-year SBN yields, the Fed Funds Rate, Term SOFR and USTs, across baseline, moderate and worst-case scenarios.
• Build the macro-financial stress-testing frame behind Enterprise Risk Management assumptions, including cross-variable sensitivity propagation and an audit trail on every override.
• Apply time-series econometrics (ARIMA, VAR/VECM, GARCH/EGARCH, Nelson-Siegel, Taylor rule), validated by walk-forward backtesting.
• Write the ALCO assumption packs and the periodic research notes that go to management and the Board.
• Designed and built the desk's multi-agent AI research platform end to end, from the schema-intelligence database through the specialist agents to production scheduling, on Python/Flask, SQL Server, Docker and nginx.

Teach across economics and finance: Islamic banking and Islamic economics, general economics and finance, data science and IT-related subjects, and management and business courses including marketing.

• Supervise student research and examine undergraduate theses.
• Keep an independent research agenda across tourism and hospitality, macroeconomics and financial markets, and Islamic finance.

Contribute to the board's Islamic finance development agenda, bringing the bank-side and academic views into the same room.

Taught within the School of Hospitality and Tourism Management alongside doctoral and post-doctoral research.

Led the research line on blockchain and central bank digital currency, and its policy implications.

Doctoral research on the adoption of blockchain-based sharing economy platforms in accommodation, using a sequential mixed-methods design: PRISMA systematic review, grounded theory from focus group discussions, then an experiment analysed with multigroup analysis.

• All three studies published in international journals: two Elsevier Q1, one Taylor & Francis Q1.
• Supervised by Prof. Iis Tussyadiah and Dr Albert N. Kimbu; viva examiners Prof. Xiao Ma and Prof. Anita Eves.

The grounding for a practice that treats building systems and researching them as the same job.

Thesis: Blockchain-based Sharing Economy. A PhD by publication comprising three studies, all published in international journals (two Elsevier Q1, one Taylor & Francis Q1). Manuscript submitted 11 April 2023.

• Supervisors: Prof. Iis Tussyadiah and Dr Albert N. Kimbu.

Built a machine-learning solution identifying and ranking US accommodation clusters by their positive impact on local communities, combining 58 variables from Expedia Group, the US Census Bureau, the FBI and the US Bureau of Justice Statistics.

• Other category winners came from the University of Florida, Virginia Tech and Barclays.