{
    "success": true,
    "data": {
        "id": 1724129,
        "msgid": "transforming-mindset-into-real-innovation-flip-records-serving-16-million-financial-transaction-users-in-1778156609",
        "date": "2026-05-07 16:49:55",
        "title": "Transforming Mindset into Real Innovation: Flip Records Serving 16 Million Financial Transaction Users in Indonesia",
        "author": "",
        "source": "VIVA",
        "tags": "bisnis",
        "topic": "Finance",
        "summary": "At the Studium Generale event by Pusat Inovasi Digital Indonesia (PIDI) \u2013 DIGDAYA x Hackathon 2026, Flip's Co-Founder Rafi Putra Arriyan highlighted the importance of shifting mindsets to drive genuine innovation in Indonesia's digital transformation. Starting from a simple solution to eliminate interbank transfer fees, Flip has evolved to meet complex user needs in payments, international transfers, and digital ecosystem integrations, now serving over 16 million users. This growth underscores the critical role of understanding real user pain points over flashy concepts, emphasising courage, humility, collaboration, and patience in financial innovation.",
        "content": "<p>Indonesia\u2019s digital transformation cannot rely solely on technology\nbut must begin with a change in mindset. This was evident at the Studium\nGenerale event of the Indonesian Digital Innovation Centre (PIDI) \u2013\nDIGDAYA x Hackathon 2026, themed \u201cInnovating for the Future, Empowering\nDigital Talent\u201d. The event is a national initiative spearheaded by Bank\nIndonesia alongside OJK, industry players, and various strategic\npartners to support the digital transformation of Indonesia\u2019s economy\nand finance. Rafi Putra Arriyan, Co-Founder of Flip, shared Flip\u2019s\njourney in the session \u201cTurning Mindset into Real-World Innovation\u201d. He\nemphasised that innovation does not always start with grand ideas but\nfrom a deep understanding of problems truly felt by users. \u201cFlip began\nby providing an innovative solution to one of the most real financial\nproblems: sending money. However, as we increasingly understood user\nneeds, true innovation occurred when we stayed close to them and\ncomprehended their requirements. In that way, we could identify various\nother related problems, from how they shop to how they save,\u201d Rafi\nstated in his remarks on Thursday, 7 May 2026. Originating from a simple\nsolution to eliminate interbank transfer fees, Flip has continued to\ndevelop by following increasingly complex user needs, ranging from\npayments for various necessities, international transfers, to features\nintegrated with Indonesia\u2019s digital ecosystem. Currently, Flip serves\nmore than 16 million users in Indonesia. This growth reflects the\nbroadening needs of society for practical and relevant financial\nservices in daily life. Rafi also highlighted that many innovations fail\nbecause they are only appealing in concept but not relevant to real\nmarket needs. Flip\u2019s early experience shows that understanding users\u2019\n\u201cpain points\u201d is far more important than merely building solutions that\nappear sophisticated. \u201cStart small mindset. We used to think innovation\nmeant creating something that had never existed before. It turns out\nthat the most difficult innovation is providing solutions that remain\nrelevant to problems that keep changing. For us, innovation requires\ncourage, humility, collaboration, and patience,\u201d Rafi concluded.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/transforming-mindset-into-real-innovation-flip-records-serving-16-million-financial-transaction-users-in-1778156609",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}