Summary
Endy Muhardin is a Senior Consultant and payment systems architect with 18–19 years of experience designing and delivering Java enterprise and banking infrastructure, including ISO 8583 processing, HSM integration, PIN block encryption, and multi-bank switching. He leads open-source payment projects used by Indonesian institutions—payment gateway, disbursement platform, accounting app, PKI-based signing, and an educational payment simulator—packaged under Apache 2.0 and monetized via deployment and support rather than licensing. He has production experience with major clients like BNI, Pegadaian, KAI and Telkom, and a hands-on stack centered on Spring Boot, jPOS, PostgreSQL, Docker/Kubernetes, Vault and mTLS/OAuth2. In addition to consulting and security audits (HSM, PCI DSS), he trains bank and fintech teams and teaches at Institut Tazkia and STMIK Tazkia, bringing a practitioner’s perspective to academic settings. A detail often overlooked: he deliberately ships tooling (including a simulator) to make complex payment security concepts reproducible and teachable, accelerating team readiness for real-world integrations.
19 years of coding experience
Master's degree, Islamic Economy, Master's degree, Islamic Economy at Institut Tazkia
STT Telkom