Andy W. Djiwandono

Andy Djiwandono is Head of Sustainability & Digital Lending at PT Bank Jago Tbk., Indonesia's first purpose-built digital bank, where he has scaled the business to over 15 million users and built its funding and lending businesses based on a sustainability agenda focused on financial inclusion, financial health, and sustainable finance. A self-described social intrapreneur with 25+ years of innovation across digital banking, fintech, e-commerce, and telecommunications, Andy has spent most of his career proving that commercial growth and social impact can rise together.