Fajar Halim

Background

About Fajar Halim

Commercial leader in B2B payments and digital financial services with experience across card schemes, wallets, digital identity, and fintech platforms in Indonesia (JCB, GO-PAY, VIDA, OY! Indonesia, Paper.id). VP Commercial at Paper.id, leading sales, customer success, and partnerships to scale our B2B payments and AR automation platform. I focus on sustainable TPV and revenue growth through pricing, product mix, and close collaboration with banks, schemes, and payment partners. I currently oversee multi-trillion IDR annual payment volume across Paper.id and Pivot Payment. I have helped build and scale payment businesses across: • Merchant acquiring and issuing at JCB • Wallet and merchant growth at GO-PAY • Digital identity and API-driven payments at VIDA and OY! I turn complex payment and regulatory landscapes into clear go-to-market playbooks and accountable teams, measured by TPV, margin, NRR, and churn. Focus areas : • Cross-border B2B payments for Indonesian businesses • AR/AP automation and embedded finance • Strategic partnerships between fintechs, banks, and large platforms in SEA Open to collaboration and knowledge-sharing on building and scaling payment businesses in emerging markets.